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SBA 7(a) franchise lending portfolio
Cache Valley Bank
AVERAGE risk
- Total loans
- 55
- Loan volume
- $24.3M
- Avg loan size
- $441K
- Default 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% |
| Wing Zone | 5 | $1.1M | 25.0% |
| Best Western Inn | 3 | $6.1M | 0.0% |
| Central Park Hamburgers | 2 | $497K | 0.0% |
| Kid To Kid | 2 | $200K | 0.0% |
| MAACO Auto Painting & Bodywork | 2 | $142K | 0.0% |
| Generator Supercenter | 2 | $500K | 0.0% |
| Play It Again Sports (retail S | 1 | $100K | 0.0% |
| Avis Rent-A-Car | 1 | $260K | 0.0% |
| Mobile Appearance Reconditioni | 1 | $53K | 0.0% |
| Liberty Tax Service | 1 | $130K | 0.0% |
| Roto Rooter | 1 | $250K | 0.0% |
| Blimpie | 1 | $75K | 100.0% |
| Fantastic Sam's | 1 | $75K | 100.0% |
| Bajio | 1 | $232K | 0.0% |
| Yogo Factory | 1 | $285K | 0.0% |
| Bee Hive Homes | 1 | $1.8M | 0.0% |
| Shell Service Station | 1 | $100K | 0.0% |
| Subway | 1 | $550K | 0.0% |
| Ascend Collection | 1 | $2.0M | — |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
2517.4%
50.0%
30.0%
350.0%
30.0%
20.0%
20.0%
2100.0%
10.0%
10.0%
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
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%).