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SBA 7(a) franchise lending portfolio
Dollar Bank, A Federal Savings Bank
ELEVATED risk
- Total loans
- 27
- Loan volume
- $5.2M
- Avg loan size
- $192K
- Default rate
- 19.2%
- vs 15.4% national avg
Defaults
5
Avg interest
5.52%
Franchises funded
19
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin Donuts | 6 | $2.4M | 0.0% |
| Cold Stone Creamery, Inc. | 2 | $480K | 100.0% |
| Premiergarage | 2 | $755K | 100.0% |
| Garage Experts | 2 | $45K | 0.0% |
| Citgo Service Station | 1 | $200K | 0.0% |
| Signs & More In 24 | 1 | $80K | 0.0% |
| Flamers Charbroiled Hamburgers | 1 | $178K | 100.0% |
| Dairy Queen | 1 | $100K | 0.0% |
| Certa Propainters | 1 | $25K | 0.0% |
| Millicare Environmental Servic | 1 | $20K | 0.0% |
| Sweets From Heaven | 1 | $205K | 0.0% |
| Visiting Angels | 1 | $25K | 0.0% |
| Roly Poly | 1 | $66K | 0.0% |
| Sign-A-Rama | 1 | $40K | 0.0% |
| Denny's Restaurant | 1 | $86K | 0.0% |
| Rita's Ice-Custard-Happiness | 1 | $20K | 0.0% |
| Sharkey's Cuts For Kids | 1 | $135K | 0.0% |
| Sterling Optical | 1 | $210K | 0.0% |
| Fox's Pizza Den | 1 | $120K | — |
Lending volume by year
1'96
3'98
1'01
1'02
1'04
2'05
1'06
1'08
3'09
3'10
1'11
3'12
1'14
1'15
1'16
2'18
1'20
Dollar Bank, A Federal Savings Bank default rate by loan vintage
BrandNational avg
Geographic exposure
2421.7%
30.0%
Portfolio summary
Total funded$5.2M
Defaults5 of 27
Risk tierELEVATED
Avg rate5.52%
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%).