BH
SBA 7(a) franchise lending portfolio
Bar Harbor Bank & Trust
EXCELLENT risk
- Total loans
- 42
- Loan volume
- $4.7M
- Avg loan size
- $111K
- Charge-off rate
- 2.5%
- vs 15.4% national avg
Defaults
1
Avg interest
5.19%
Franchises funded
18
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin Donuts | 9 | $1.2M | 0.0% (low risk) |
| Subway Sandwich Shop | 7 | $472K | 0.0% (low risk) |
| Chrysler | 4 | $400K | 0.0% (low risk) |
| Pearle Vision Center | 3 | $60K | 0.0% (low risk) |
| Quiznos | 3 | $525K | 33.3% (very high risk) |
| Pat's Pizza | 2 | $275K | 0.0% (low risk) |
| Line-X | 2 | $95K | 0.0% (low risk) |
| Cko Kickboxing | 2 | $80K | N/A |
| Dairy Queen | 1 | $480K | 0.0% (low risk) |
| Volvo (dealers) | 1 | $250K | 0.0% (low risk) |
| Meineke Car Care | 1 | $90K | 0.0% (low risk) |
| UPS Store | 1 | $90K | 0.0% (low risk) |
| Gmc (dealers) | 1 | $100K | 0.0% (low risk) |
| Servpro | 1 | $125K | 0.0% (low risk) |
| Dunkin' Donuts | 1 | $85K | 0.0% (low risk) |
| Safe Ship | 1 | $25K | 0.0% (low risk) |
| Midas | 1 | $150K | 0.0% (low risk) |
| Koko Fitclub | 1 | $150K | 0.0% (low risk) |
Lending volume by year
1'93
2'94
1'96
3'97
2'99
5'00
2'01
2'02
2'03
4'04
4'05
3'06
2'08
1'10
1'12
4'15
1'16
2'17
Bar Harbor Bank & Trust charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$4.7M
Defaults1 of 42
Risk tierEXCELLENT
Avg rate5.19%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Bar Harbor Bank & Trust originated?
- 42 loans totaling $4.7M. The portfolio carries a 2.5% charge-off rate, earning a “EXCELLENT” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Bar Harbor Bank & Trust fund the most?
- The “Top franchise exposures” table above lists the brands Bar Harbor Bank & Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.