CV
SBA 7(a) franchise lending portfolio
Cache Valley Bank
AVERAGE risk
- Total loans
- 55
- Loan volume
- $24.3M
- Avg loan size
- $441K
- Charge-off rate
- 14.3%
- vs 15.4% national avg
Defaults
6
Avg interest
6.04%
Franchises funded
31
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Crumbl | 15 | $5.1M | 0.0% (low risk) |
| Wing Zone | 5 | $1.1M | 25.0% (very high risk) |
| Best Western Inn | 3 | $6.1M | 0.0% (low risk) |
| Central Park Hamburgers | 2 | $497K | 0.0% (low risk) |
| Kid To Kid | 2 | $200K | 0.0% (low risk) |
| MAACO Auto Painting & Bodywork | 2 | $142K | 0.0% (low risk) |
| Generator Supercenter | 2 | $500K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $100K | 0.0% (low risk) |
| Avis Rent-A-Car | 1 | $260K | 0.0% (low risk) |
| Mobile Appearance Reconditioni | 1 | $53K | 0.0% (low risk) |
| Liberty Tax Service | 1 | $130K | 0.0% (low risk) |
| Roto Rooter | 1 | $250K | 0.0% (low risk) |
| Blimpie | 1 | $75K | 100.0% (very high risk) |
| Fantastic Sam's | 1 | $75K | 100.0% (very high risk) |
| Bajio | 1 | $232K | 0.0% (low risk) |
| Yogo Factory | 1 | $285K | 0.0% (low risk) |
| Bee Hive Homes | 1 | $1.8M | 0.0% (low risk) |
| Shell Service Station | 1 | $100K | 0.0% (low risk) |
| Subway | 1 | $550K | 0.0% (low risk) |
| Ascend Collection | 1 | $2.0M | N/A |
Lending volume by year
1'94
2'95
1'00
3'01
3'05
1'06
1'11
2'12
7'14
7'15
3'16
2'17
2'19
5'20
6'21
2'22
5'23
2'25
Cache Valley Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
2517.4% (high risk)
50.0% (low risk)
30.0% (low risk)
350.0% (very high risk)
30.0% (low risk)
20.0% (low risk)
20.0% (low risk)
2100.0% (very high risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$24.3M
Defaults6 of 55
Risk tierAVERAGE
Avg rate6.04%
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 Cache Valley Bank originated?
- 55 loans totaling $24.3M. The portfolio carries a 14.3% charge-off rate, earning a “AVERAGE” 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 Cache Valley Bank fund the most?
- The “Top franchise exposures” table above lists the brands Cache Valley 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.