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SBA 7(a) franchise lending portfolio
Community Trust Bank, Inc.
CRITICAL risk
- Total loans
- 122
- Loan volume
- $38.1M
- Avg loan size
- $313K
- Default rate
- 20.4%
- vs 15.4% national avg
Defaults
19
Avg interest
5.70%
Franchises funded
85
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 8 | $2.5M | 0.0% |
| Subway | 4 | $636K | 0.0% |
| Orange Leaf Frozen Yogurt | 4 | $200K | 33.3% |
| Giovanni's Pizza | 4 | $505K | 0.0% |
| Yamaha Sales Center | 3 | $1.4M | 33.3% |
| Servpro | 3 | $345K | 0.0% |
| Giovanni's Pizza | 3 | $289K | 0.0% |
| Howard Johnson | 2 | $971K | 0.0% |
| Coast-To-Coast Store | 2 | $405K | 0.0% |
| Great Clips | 2 | $130K | 0.0% |
| Iga Food Stores | 2 | $627K | 100.0% |
| Play N Trade | 2 | $100K | 100.0% |
| Mcalister's Gourmet Deli | 2 | $1.2M | 0.0% |
| Signs Now | 2 | $121K | 0.0% |
| Red Roof Inn | 2 | $2.3M | 0.0% |
| Greasebusters | 2 | $149K | 0.0% |
| Ace Hardware | 2 | $438K | 0.0% |
| Allstate Insurance | 2 | $225K | 0.0% |
| Firehouse Subs | 2 | $391K | 0.0% |
| The Exercise Coach | 2 | $249K | 0.0% |
Lending volume by year
1'92
2
2
1
3
1'97
1
1
1
1
4'06
2
1
4
8
5'11
9
7
9
5
3'16
7
4
5
6
11'21
5
7
3
3'25
Community Trust Bank, Inc. default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$38.1M
Defaults19 of 122
Risk tierCRITICAL
Avg rate5.70%
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%).