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SBA 7(a) franchise lending portfolio
Fairfield County Bank
CRITICAL risk
- Total loans
- 22
- Loan volume
- $3.1M
- Avg loan size
- $143K
- Default rate
- 22.7%
- vs 15.4% national avg
Defaults
5
Avg interest
6.20%
Franchises funded
15
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Baskin-Robbins 31 Ice Cream | 3 | $100K | 0.0% |
| Roly Poly Rolled Sandwiches | 3 | $185K | 66.7% |
| Charley's Steakery Fresh Grill | 2 | $80K | 0.0% |
| Val Pak | 2 | $700K | 100.0% |
| Case Handyman | 2 | $250K | 0.0% |
| Nevada Bob's Discount Golf & T | 1 | $100K | 0.0% |
| Velocity Sports Performance | 1 | $422K | 0.0% |
| Duchess (restaurant) | 1 | $80K | 0.0% |
| Chyten Educational Services | 1 | $100K | 0.0% |
| Anytime Fitness | 1 | $150K | 0.0% |
| Re/Max Realty | 1 | $30K | 0.0% |
| Ford Motor (dealers) | 1 | $100K | 0.0% |
| The Melting Pot | 1 | $215K | 0.0% |
| Robeks Juice | 1 | $600K | 100.0% |
| La Boxing | 1 | $25K | 0.0% |
Lending volume by year
1'96
1'01
1'02
1'03
1'04
3'05
3'06
1'07
3'08
4'09
2'11
1'14
Fairfield County Bank default rate by loan vintage
BrandNational avg
Geographic exposure
2123.8%
10.0%
Portfolio summary
Total funded$3.1M
Defaults5 of 22
Risk tierCRITICAL
Avg rate6.20%
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%).