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SBA 7(a) franchise lending portfolio
Bristol County Savings Bank
EXCELLENT risk
- Total loans
- 31
- Loan volume
- $7.1M
- Avg loan size
- $230K
- Default rate
- 3.9%
- vs 15.4% national avg
Defaults
1
Avg interest
5.75%
Franchises funded
20
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Fitness Together | 4 | $339K | 0.0% |
| Honey Dew Donuts | 3 | $605K | — |
| Subway Sandwich Shop | 2 | $225K | 0.0% |
| Holiday Inn | 2 | $1.2M | 0.0% |
| Domino's Pizza | 2 | $261K | 0.0% |
| Paul Davis Restoration | 2 | $350K | 0.0% |
| Home Care Assistance 1-866-4-L | 2 | $80K | 0.0% |
| Dunkin' Donuts | 2 | $993K | 0.0% |
| Honey Dew Donuts | 1 | $105K | 100.0% |
| Taylor Rental Center | 1 | $460K | 0.0% |
| Midas Muffler Shop | 1 | $150K | 0.0% |
| Cinnabon | 1 | $180K | 0.0% |
| Days Inn | 1 | $1.4M | 0.0% |
| Del's Lemonade | 1 | $150K | 0.0% |
| Ameriprise Financial | 1 | $150K | 0.0% |
| Auntie Anne's | 1 | $16K | 0.0% |
| Tropical Smoothie Cafe | 1 | $50K | 0.0% |
| Club Pilates | 1 | $204K | 0.0% |
| Subway | 1 | $141K | 0.0% |
| 1-800-Water Damage | 1 | $65K | 0.0% |
Lending volume by year
1'00
1'04
1'05
1'09
1'10
1'11
2'12
3'14
5'15
2'16
4'18
5'19
3'20
1'24
Bristol County Savings Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$7.1M
Defaults1 of 31
Risk tierEXCELLENT
Avg rate5.75%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).