BC
SBA 7(a) franchise lending portfolio
Bristol County Savings Bank
EXCELLENT risk
- Total loans
- 31
- Loan volume
- $7.1M
- Avg loan size
- $230K
- Charge-off 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% (low risk) |
| Honey Dew Donuts | 3 | $605K | N/A |
| Subway Sandwich Shop | 2 | $225K | 0.0% (low risk) |
| Holiday Inn | 2 | $1.2M | 0.0% (low risk) |
| Domino's Pizza | 2 | $261K | 0.0% (low risk) |
| Paul Davis Restoration | 2 | $350K | 0.0% (low risk) |
| Home Care Assistance 1-866-4-L | 2 | $80K | 0.0% (low risk) |
| Dunkin' Donuts | 2 | $993K | 0.0% (low risk) |
| Honey Dew Donuts | 1 | $105K | 100.0% (very high risk) |
| Taylor Rental Center | 1 | $460K | 0.0% (low risk) |
| Midas Muffler Shop | 1 | $150K | 0.0% (low risk) |
| Cinnabon | 1 | $180K | 0.0% (low risk) |
| Days Inn | 1 | $1.4M | 0.0% (low risk) |
| Del's Lemonade | 1 | $150K | 0.0% (low risk) |
| Ameriprise Financial | 1 | $150K | 0.0% (low risk) |
| Auntie Anne's | 1 | $16K | 0.0% (low risk) |
| Tropical Smoothie Cafe | 1 | $50K | 0.0% (low risk) |
| Club Pilates | 1 | $204K | 0.0% (low risk) |
| Subway | 1 | $141K | 0.0% (low risk) |
| 1-800-Water Damage | 1 | $65K | 0.0% (low risk) |
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 charge-off 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
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 Bristol County Savings Bank originated?
- 31 loans totaling $7.1M. The portfolio carries a 3.9% 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 Bristol County Savings Bank fund the most?
- The “Top franchise exposures” table above lists the brands Bristol County Savings Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.