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SBA 7(a) franchise lending portfolio
Countybank
EXCELLENT risk
- Total loans
- 27
- Loan volume
- $27.1M
- Avg loan size
- $1.0M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.41%
Franchises funded
21
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Eggs Up Grill | 3 | $2.2M | — |
| Red Roof Inn | 2 | $4.3M | 0.0% |
| Duck Donuts | 2 | $1.0M | — |
| Big Air ; Big Air Trampoline P | 2 | $1.8M | — |
| The UPS Store (f/k/a Mail Box | 2 | $599K | — |
| True Value Company LLC - Membe | 1 | $1.1M | 0.0% |
| Baymont by Wyndham aka Baymont | 1 | $2.2M | — |
| IHOP | 1 | $965K | — |
| Quality Inn by Choice Hotels / | 1 | $2.9M | — |
| Bishops | 1 | $613K | 0.0% |
| Subway | 1 | $550K | — |
| Batteries Plus | 1 | $330K | — |
| Senior Helpers | 1 | $225K | 0.0% |
| Romeo's Pizza | 1 | $485K | 0.0% |
| Little Caesars | 1 | $1.2M | 0.0% |
| Smoothie King | 1 | $325K | 0.0% |
| CertaPro Painters | 1 | $380K | — |
| Microtel Inn & Suites by Wyndh | 1 | $3.9M | 0.0% |
| Edible Arrangements | 1 | $265K | 0.0% |
| iCRYO Franchise System LLC | 1 | $850K | — |
Lending volume by year
2'18
4'19
2'20
7'21
3'22
2'23
2'24
5'25
Geographic exposure
Portfolio summary
Total funded$27.1M
Defaults0 of 27
Risk tierEXCELLENT
Avg rate7.41%
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%).