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SBA 7(a) franchise lending portfolio
D. L. Evans Bank
AVERAGE risk
- Total loans
- 56
- Loan volume
- $8.0M
- Avg loan size
- $142K
- Default 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% |
| Home Helpers | 4 | $297K | 0.0% |
| Grease Monkey | 3 | $1.5M | 0.0% |
| Cold Stone Creamery | 3 | $332K | 0.0% |
| Moxie Java | 2 | $975K | 0.0% |
| Isold It On Ebay | 2 | $126K | 100.0% |
| Meineke Car Care | 2 | $201K | 50.0% |
| Idaho Pizza Company | 2 | $204K | 0.0% |
| Daylight Donut Shop | 2 | $57K | 50.0% |
| Cold Stone Creamery | 2 | $469K | — |
| Culligan | 2 | $140K | 0.0% |
| Real Deals on Home Decor | 2 | $175K | 0.0% |
| Educational Outfitters | 2 | $55K | — |
| EarthWise Pet Supply | 2 | $350K | — |
| Domino's Pizza | 1 | $70K | 0.0% |
| Texaco Service Station | 1 | $268K | 0.0% |
| Cinnamonster (retail - Sweetro | 1 | $127K | 0.0% |
| Gandolfo's New York Delicatess | 1 | $73K | 100.0% |
| Quiznos | 1 | $115K | 0.0% |
| Kawasaki | 1 | $250K | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
5612.8%
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
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%).