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SBA 7(a) franchise lending portfolio
Farmers Bank and Trust
AVERAGE risk
- Total loans
- 13
- Loan volume
- $3.1M
- Avg loan size
- $242K
- Default rate
- 11.1%
- vs 15.4% national avg
Defaults
1
Avg interest
6.03%
Franchises funded
10
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Gambino's Pizza | 3 | $473K | 50.0% |
| Gambino's Pizza | 2 | $225K | — |
| Servicemaster | 1 | $36K | 0.0% |
| Wendy's | 1 | $200K | 0.0% |
| International Harvester | 1 | $1.2M | 0.0% |
| Gold's Gym | 1 | $150K | 0.0% |
| Fantastic Sam's | 1 | $135K | 0.0% |
| Rocky Mountain Chocolate Facto | 1 | $200K | 0.0% |
| Zland | 1 | $350K | 0.0% |
| Hokulia Shave Ice | 1 | $180K | — |
Lending volume by year
2'94
1'95
1'02
1'07
1'08
2'09
1'10
2'16
1'21
1'24
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%).