DL
SBA 7(a) franchise lending portfolio
D. L. Evans Bank
Risk rating: Average
- Total loans
- 56
- Loan volume
- $8.0M
- Avg loan size
- $142K
- Charge-off rate
- 12.8%
- vs 16.0% national
Charged off
6
Avg interest
5.93%
Franchises funded
36
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Cold Stone Creamery | 5 | $802K | N/A |
| Anytime Fitness | 4 | $630K | N/A |
| Home Helpers | 4 | $297K | N/A |
| Grease Monkey | 3 | $1.5M | N/A |
| Moxie Java | 2 | $975K | N/A |
| Isold It On Ebay | 2 | $126K | N/A |
| Meineke Car Care | 2 | $201K | N/A |
| Idaho Pizza Company | 2 | $204K | N/A |
| Daylight Donut Shop | 2 | $57K | N/A |
| Culligan | 2 | $140K | N/A |
| Real Deals on Home Decor | 2 | $175K | N/A |
| Educational Outfitters | 2 | $55K | N/A |
| EarthWise Pet Supply | 2 | $350K | N/A |
| Domino's Pizza | 1 | $70K | N/A |
| Texaco Service Station | 1 | $268K | N/A |
| Cinnamonster (retail - Sweetro | 1 | $127K | N/A |
| Gandolfo's New York Delicatess | 1 | $73K | N/A |
| Quiznos | 1 | $115K | N/A |
| Kawasaki | 1 | $250K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 1 |
| FY1997 | 1 |
| FY1998 | 2 |
| FY1999 | 1 |
| FY2000 | 3 |
| FY2001 | 1 |
| FY2003 | 3 |
| FY2004 | 6 |
| FY2005 | 5 |
| FY2006 | 1 |
| FY2007 | 6 |
| FY2009 | 3 |
| FY2010 | 1 |
| FY2013 | 1 |
| FY2014 | 1 |
| FY2015 | 1 |
| FY2016 | 3 |
| FY2017 | 5 |
| FY2018 | 1 |
| FY2019 | 1 |
| FY2020 | 3 |
| FY2022 | 4 |
| FY2023 | 2 |
SBA 7(a) · charge-off rate by approval year
D. L. Evans Bank charge-off rate by loan vintage
None of these 8 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2000 | 3 | 1 | Too few |
| 2003 | 3 | 0 | Too few |
| 2004 | 6 | 0 | Too few |
| 2005 | 5 | 1 | Too few |
| 2007 | 6 | 2 | Too few |
| 2009 | 3 | 0 | Too few |
| 2017 | 4 | 0 | Too few |
| 2020 | 3 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
5612.8% (average)
Portfolio summary
Total funded$8.0M
Charged off6 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. D. L. Evans Bank's rate of 12.8% is below the national rate.
- 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.