DL
SBA 7(a) franchise lending portfolio
D. L. Evans Bank
AVERAGE risk
- Total loans
- 56
- Loan volume
- $8.0M
- Avg loan size
- $142K
- Charge-off rate
- 12.8%
- vs 15.4% national avg
Defaults
6
Avg interest
5.93%
Franchises funded
36
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 4 | $630K | 0.0% (low risk) |
| Home Helpers | 4 | $297K | 0.0% (low risk) |
| Grease Monkey | 3 | $1.5M | 0.0% (low risk) |
| Cold Stone Creamery | 3 | $332K | 0.0% (low risk) |
| Moxie Java | 2 | $975K | 0.0% (low risk) |
| Isold It On Ebay | 2 | $126K | 100.0% (very high risk) |
| Meineke Car Care | 2 | $201K | 50.0% (very high risk) |
| Idaho Pizza Company | 2 | $204K | 0.0% (low risk) |
| Daylight Donut Shop | 2 | $57K | 50.0% (very high risk) |
| Cold Stone Creamery | 2 | $469K | N/A |
| Culligan | 2 | $140K | 0.0% (low risk) |
| Real Deals on Home Decor | 2 | $175K | 0.0% (low risk) |
| Educational Outfitters | 2 | $55K | N/A |
| EarthWise Pet Supply | 2 | $350K | N/A |
| Domino's Pizza | 1 | $70K | 0.0% (low risk) |
| Texaco Service Station | 1 | $268K | 0.0% (low risk) |
| Cinnamonster (retail - Sweetro | 1 | $127K | 0.0% (low risk) |
| Gandolfo's New York Delicatess | 1 | $73K | 100.0% (very high risk) |
| Quiznos | 1 | $115K | 0.0% (low risk) |
| Kawasaki | 1 | $250K | 0.0% (low risk) |
Lending volume by year
1'95
1
2
1
3
1'01
3
6
5
1
6'07
3
1
1
1
1'15
3
5
1
1
3'20
4
2'23
D. L. Evans Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
5612.8% (elevated risk)
Portfolio summary
Total funded$8.0M
Defaults6 of 56
Risk tierAVERAGE
Avg rate5.93%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off 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%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has D. L. Evans Bank originated?
- 56 loans totaling $8.0M. The portfolio carries a 12.8% charge-off rate, earning a “AVERAGE” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does D. L. Evans Bank fund the most?
- The “Top franchise exposures” table above lists the brands D. L. Evans Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.