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SBA 7(a) franchise lending portfolio
Camden National Bank
AVERAGE risk
- Total loans
- 70
- Loan volume
- $9.6M
- Avg loan size
- $138K
- Default rate
- 10.9%
- vs 15.4% national avg
Defaults
7
Avg interest
5.54%
Franchises funded
41
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 5 | $349K | 0.0% |
| Wrap City | 5 | $401K | 0.0% |
| Little Ceasar's Pizza | 4 | $390K | 0.0% |
| Dairy Queen | 4 | $970K | 0.0% |
| Matco Tools (rent Tools) | 3 | $167K | 33.3% |
| Domino's Pizza | 3 | $570K | 0.0% |
| Arby's | 2 | $531K | 0.0% |
| Gold's Gym | 2 | $286K | 0.0% |
| Dunkin Donuts | 2 | $447K | 0.0% |
| Sears Catalog Store | 2 | $135K | 0.0% |
| Quiznos | 2 | $145K | 50.0% |
| Servpro | 2 | $100K | 0.0% |
| Midas Muffler Shop | 2 | $145K | 0.0% |
| The UPS Store | 2 | $145K | 0.0% |
| Medicine Shoppe | 2 | $460K | 0.0% |
| Aging Excellence | 2 | $20K | 0.0% |
| Subway | 2 | $35K | 0.0% |
| Century 21 | 1 | $35K | 0.0% |
| Micro-Play Of America | 1 | $81K | 100.0% |
| Rocky Mountain Chocolate Facto | 1 | $100K | — |
Lending volume by year
2'92
1
2
4
4
3'99
1
3
4
3
3'06
3
7
4
3
4'12
1
3
3
1
1'17
3
2
1
3
1'25
Camden National Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$9.6M
Defaults7 of 70
Risk tierAVERAGE
Avg rate5.54%
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%).