CN
SBA 7(a) franchise lending portfolio
Camden National Bank
Risk rating: Average
- Total loans
- 70
- Loan volume
- $9.6M
- Avg loan size
- $138K
- Charge-off rate
- 10.9%
- vs 16.0% national
Charged off
7
Avg interest
5.54%
Franchises funded
41
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 7 | $384K | N/A |
| Wrap City | 5 | $401K | N/A |
| Little Ceasar's Pizza | 4 | $390K | N/A |
| Dairy Queen | 4 | $970K | N/A |
| Matco Tools (rent Tools) | 3 | $167K | N/A |
| Domino's Pizza | 3 | $570K | N/A |
| Arby's | 2 | $531K | N/A |
| Gold's Gym | 2 | $286K | N/A |
| Dunkin Donuts | 2 | $447K | N/A |
| Sears Catalog Store | 2 | $135K | N/A |
| Quiznos | 2 | $145K | N/A |
| Servpro | 2 | $100K | N/A |
| Midas Muffler Shop | 2 | $145K | N/A |
| The UPS Store | 2 | $145K | N/A |
| Medicine Shoppe | 2 | $460K | N/A |
| Aging Excellence | 2 | $20K | N/A |
| Century 21 | 1 | $35K | N/A |
| Micro-Play Of America | 1 | $81K | N/A |
| Rocky Mountain Chocolate Facto | 1 | $100K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 1 |
| FY1994 | 2 |
| FY1995 | 4 |
| FY1997 | 4 |
| FY1999 | 3 |
| FY2000 | 1 |
| FY2002 | 3 |
| FY2004 | 4 |
| FY2005 | 3 |
| FY2006 | 3 |
| FY2007 | 3 |
| FY2008 | 7 |
| FY2009 | 4 |
| FY2010 | 3 |
| FY2012 | 4 |
| FY2013 | 1 |
| FY2014 | 3 |
| FY2015 | 3 |
| FY2016 | 1 |
| FY2017 | 1 |
| FY2018 | 3 |
| FY2019 | 2 |
| FY2021 | 1 |
| FY2024 | 3 |
| FY2025 | 1 |
SBA 7(a) · charge-off rate by approval year
Camden National Bank charge-off rate by loan vintage
None of these 15 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 |
|---|---|---|---|
| 1995 | 4 | 1 | Too few |
| 1997 | 3 | 0 | Too few |
| 1999 | 3 | 1 | Too few |
| 2002 | 3 | 0 | Too few |
| 2004 | 4 | 1 | Too few |
| 2005 | 3 | 0 | Too few |
| 2006 | 3 | 1 | Too few |
| 2007 | 3 | 0 | Too few |
| 2008 | 7 | 1 | Too few |
| 2009 | 3 | 1 | Too few |
| 2010 | 3 | 0 | Too few |
| 2012 | 4 | 0 | Too few |
| 2014 | 3 | 0 | Too few |
| 2015 | 3 | 0 | Too few |
| 2018 | 3 | 0 | Too few |
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
Portfolio summary
Total funded$9.6M
Charged off7 of 70
Risk tierAverage
Avg rate5.54%
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 Camden National Bank originated?
- 70 loans totaling $9.6M. The portfolio carries a 10.9% 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. Camden National Bank's rate of 10.9% 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 Camden National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Camden National 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.