DB
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
- Charge-off 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% (low risk) |
| Cold Stone Creamery, Inc. | 2 | $480K | 100.0% (very high risk) |
| Premiergarage | 2 | $755K | 100.0% (very high risk) |
| Garage Experts | 2 | $45K | 0.0% (low risk) |
| Citgo Service Station | 1 | $200K | 0.0% (low risk) |
| Signs & More In 24 | 1 | $80K | 0.0% (low risk) |
| Flamers Charbroiled Hamburgers | 1 | $178K | 100.0% (very high risk) |
| Dairy Queen | 1 | $100K | 0.0% (low risk) |
| Certa Propainters | 1 | $25K | 0.0% (low risk) |
| Millicare Environmental Servic | 1 | $20K | 0.0% (low risk) |
| Sweets From Heaven | 1 | $205K | 0.0% (low risk) |
| Visiting Angels | 1 | $25K | 0.0% (low risk) |
| Roly Poly | 1 | $66K | 0.0% (low risk) |
| Sign-A-Rama | 1 | $40K | 0.0% (low risk) |
| Denny's Restaurant | 1 | $86K | 0.0% (low risk) |
| Rita's Ice-Custard-Happiness | 1 | $20K | 0.0% (low risk) |
| Sharkey's Cuts For Kids | 1 | $135K | 0.0% (low risk) |
| Sterling Optical | 1 | $210K | 0.0% (low risk) |
| Fox's Pizza Den | 1 | $120K | N/A |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
2421.7% (very high risk)
30.0% (low risk)
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
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 Dollar Bank, A Federal Savings Bank originated?
- 27 loans totaling $5.2M. The portfolio carries a 19.2% charge-off rate, earning a “ELEVATED” 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 Dollar Bank, A Federal Savings Bank fund the most?
- The “Top franchise exposures” table above lists the brands Dollar Bank, A Federal Savings 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.