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SBA 7(a) franchise lending portfolio
Citizens and Farmers Bank
ELEVATED risk
- Total loans
- 18
- Loan volume
- $2.6M
- Avg loan size
- $146K
- Default rate
- 16.7%
- vs 15.4% national avg
Defaults
3
Avg interest
—
Franchises funded
10
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Bruster's | 7 | $1.3M | 0.0% |
| Mr. Handyman | 2 | $150K | 0.0% |
| Wild Birds Unlimited | 2 | $130K | 0.0% |
| Postal Instant Press | 1 | $192K | 100.0% |
| Pip Printing | 1 | $20K | 100.0% |
| My Girlfriends Kitchens | 1 | $135K | 0.0% |
| Little Professor Book Center | 1 | $236K | 100.0% |
| Domino's Pizza | 1 | $200K | 0.0% |
| Rainbow International Corporat | 1 | $140K | 0.0% |
| Foot Solutions | 1 | $130K | 0.0% |
Lending volume by year
1'02
6'03
8'04
2'05
1'07
Geographic exposure
1816.7%
Portfolio summary
Total funded$2.6M
Defaults3 of 18
Risk tierELEVATED
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%).