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SBA 7(a) franchise lending portfolio
Clear Lake Bank & Trust Company
EXCELLENT risk
- Total loans
- 16
- Loan volume
- $4.2M
- Avg loan size
- $261K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.64%
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 3 | $357K | 0.0% |
| Servpro | 3 | $1.7M | — |
| Pretzelmaker | 2 | $225K | 0.0% |
| Ben Franklin Store | 1 | $175K | 0.0% |
| Kentucky Fried Chicken | 1 | $284K | 0.0% |
| Taco Bell | 1 | $100K | 0.0% |
| Ace Hardware | 1 | $120K | 0.0% |
| Ford Motor (dealers) | 1 | $500K | 0.0% |
| Erbert & Gerbert's Subs & Club | 1 | $330K | 0.0% |
| Batteries Plus | 1 | $116K | 0.0% |
| Line-X | 1 | $220K | — |
Lending volume by year
1'93
1'01
1'08
1'10
1'11
1'12
1'13
1'15
2'16
1'17
1'21
2'22
1'24
1'25
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%).