FC
SBA 7(a) franchise lending portfolio
Fairfield County Bank
CRITICAL risk
- Total loans
- 22
- Loan volume
- $3.1M
- Avg loan size
- $143K
- Charge-off 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% (low risk) |
| Roly Poly Rolled Sandwiches | 3 | $185K | 66.7% (very high risk) |
| Charley's Steakery Fresh Grill | 2 | $80K | 0.0% (low risk) |
| Val Pak | 2 | $700K | 100.0% (very high risk) |
| Case Handyman | 2 | $250K | 0.0% (low risk) |
| Nevada Bob's Discount Golf & T | 1 | $100K | 0.0% (low risk) |
| Velocity Sports Performance | 1 | $422K | 0.0% (low risk) |
| Duchess (restaurant) | 1 | $80K | 0.0% (low risk) |
| Chyten Educational Services | 1 | $100K | 0.0% (low risk) |
| Anytime Fitness | 1 | $150K | 0.0% (low risk) |
| Re/Max Realty | 1 | $30K | 0.0% (low risk) |
| Ford Motor (dealers) | 1 | $100K | 0.0% (low risk) |
| The Melting Pot | 1 | $215K | 0.0% (low risk) |
| Robeks Juice | 1 | $600K | 100.0% (very high risk) |
| La Boxing | 1 | $25K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
2123.8% (very high risk)
10.0% (low risk)
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
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 Fairfield County Bank originated?
- 22 loans totaling $3.1M. The portfolio carries a 22.7% charge-off rate, earning a “CRITICAL” 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 Fairfield County Bank fund the most?
- The “Top franchise exposures” table above lists the brands Fairfield County 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.