BS
SBA 7(a) franchise lending portfolio
Bath Savings Institution
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $2.9M
- Avg loan size
- $163K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.68%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 3 | $720K | 0.0% (low risk) |
| Budget Blinds | 3 | $40K | 0.0% (low risk) |
| Johnny Rockets | 2 | $350K | 0.0% (low risk) |
| CertaPro Painters | 2 | $795K | 0.0% (low risk) |
| Century 21 | 1 | $125K | 0.0% (low risk) |
| Mister Bagel | 1 | $30K | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 1 | $250K | 0.0% (low risk) |
| The Cleaning Authority | 1 | $50K | 0.0% (low risk) |
| Cleaning Authority (the) | 1 | $50K | 0.0% (low risk) |
| Domino's Pizza | 1 | $177K | 0.0% (low risk) |
| True Value Hardware | 1 | $100K | 0.0% (low risk) |
| Romeo's Pizza | 1 | $250K | N/A |
Lending volume by year
1'92
4'07
1'08
1'09
4'10
1'11
1'12
1'14
1'19
2'20
1'26
Geographic exposure
180.0% (low risk)
Portfolio summary
Total funded$2.9M
Defaults0 of 18
Risk tierEXCELLENT
Avg rate5.68%
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 Bath Savings Institution originated?
- 18 loans totaling $2.9M. The portfolio carries a 0.0% 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 Bath Savings Institution fund the most?
- The “Top franchise exposures” table above lists the brands Bath Savings Institution has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.