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SBA 7(a) franchise lending portfolio
Capitol National Bank
ELEVATED risk
- Total loans
- 35
- Loan volume
- $7.4M
- Avg loan size
- $211K
- Default rate
- 15.4%
- vs 15.4% national avg
Defaults
4
Avg interest
6.67%
Franchises funded
13
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Biggby Coffee | 14 | $4.3M | 0.0% |
| Fantastic Sam's | 4 | $277K | 25.0% |
| Baskin-Robbins | 3 | $420K | 0.0% |
| Biggby Coffee | 3 | $450K | 0.0% |
| Subway Sandwich Shop | 2 | $529K | 0.0% |
| Signs By Tomorrow | 2 | $115K | 100.0% |
| Cookies By Design | 1 | $90K | 0.0% |
| Matco Tools (rent Tools) | 1 | $48K | 100.0% |
| Marco's Pizza | 1 | $136K | 0.0% |
| Dreammaker Bath & Kitchen | 1 | $108K | 0.0% |
| Marco's Pizza | 1 | $150K | 0.0% |
| Gigi's Cupcakes | 1 | $289K | 0.0% |
| Jersey Mike's | 1 | $500K | — |
Lending volume by year
5'97
2'04
2'05
1'07
1'08
2'15
3'16
4'18
2'19
2'20
3'21
4'22
2'23
1'24
1'25
Capitol National Bank default rate by loan vintage
BrandNational avg
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%).