CV
SBA 7(a) franchise lending portfolio
Cache Valley Bank
Risk rating: Average
- Total loans
- 55
- Loan volume
- $24.3M
- Avg loan size
- $441K
- Charge-off rate
- 14.3%
- vs 16.0% national
Charged off
6
Avg interest
6.04%
Franchises funded
31
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Crumbl | 15 | $5.1M | N/A |
| Wing Zone | 5 | $1.1M | N/A |
| Best Western Inn | 3 | $6.1M | N/A |
| Central Park Hamburgers | 2 | $497K | N/A |
| Kid To Kid | 2 | $200K | N/A |
| MAACO Auto Painting & Bodywork | 2 | $142K | N/A |
| Generator Supercenter | 2 | $500K | N/A |
| Play It Again Sports (retail S | 1 | $100K | N/A |
| Avis Rent-A-Car | 1 | $260K | N/A |
| Mobile Appearance Reconditioni | 1 | $53K | N/A |
| Liberty Tax Service | 1 | $130K | N/A |
| Roto Rooter | 1 | $250K | N/A |
| Blimpie | 1 | $75K | N/A |
| Fantastic Sam's | 1 | $75K | N/A |
| Bajio | 1 | $232K | N/A |
| Yogo Factory | 1 | $285K | N/A |
| Bee Hive Homes | 1 | $1.8M | N/A |
| Shell Service Station | 1 | $100K | N/A |
| Subway | 1 | $550K | N/A |
| Ascend Collection | 1 | $2.0M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1994 | 1 |
| FY1995 | 2 |
| FY2000 | 1 |
| FY2001 | 3 |
| FY2005 | 3 |
| FY2006 | 1 |
| FY2011 | 1 |
| FY2012 | 2 |
| FY2014 | 7 |
| FY2015 | 7 |
| FY2016 | 3 |
| FY2017 | 2 |
| FY2019 | 2 |
| FY2020 | 5 |
| FY2021 | 6 |
| FY2022 | 2 |
| FY2023 | 5 |
| FY2025 | 2 |
SBA 7(a) · charge-off rate by approval year
Cache Valley Bank charge-off rate by loan vintage
None of these 7 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2001 | 3 | 1 | Too few |
| 2005 | 3 | 0 | Too few |
| 2014 | 7 | 0 | Too few |
| 2015 | 6 | 2 | Too few |
| 2020 | 3 | 0 | Too early |
| 2021 | 3 | 0 | Too early |
| 2023 | 3 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
2517.4% (elevated)
5N/A
3N/A
3N/A
3N/A
2N/A
2N/A
2N/A
1N/A
1N/A
Portfolio summary
Total funded$24.3M
Charged off6 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Cache Valley Bank's rate of 14.3% is below the national rate.
- 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.