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SBA 7(a) franchise lending portfolio
Dacotah Bank
CRITICAL risk
- Total loans
- 15
- Loan volume
- $3.0M
- Avg loan size
- $200K
- Default rate
- 20.0%
- vs 15.4% national avg
Defaults
2
Avg interest
5.32%
Franchises funded
11
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Pizza Ranch | 3 | $205K | 0.0% |
| Pizza Ranch | 2 | $350K | 0.0% |
| Ace Hardware | 2 | $470K | 0.0% |
| Play It Again Sports (retail S | 1 | $75K | 100.0% |
| Buffalo Wings & Rings | 1 | $121K | 0.0% |
| Upper Cervical Health Centers | 1 | $71K | 0.0% |
| Massage Envy | 1 | $400K | 0.0% |
| Nothing Bundt Cakes | 1 | $370K | 0.0% |
| Panchero's | 1 | $386K | — |
| Glass Guru (The) | 1 | $42K | 100.0% |
| Pet Supplies Plus | 1 | $513K | — |
Lending volume by year
1'94
1'08
1'10
1'12
3'17
1'18
1'19
4'20
1'21
1'22
Geographic exposure
Portfolio summary
Total funded$3.0M
Defaults2 of 15
Risk tierCRITICAL
Avg rate5.32%
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%).