FB
SBA 7(a) franchise lending portfolio
Farmers Bank and Trust
AVERAGE risk
- Total loans
- 13
- Loan volume
- $3.1M
- Avg loan size
- $242K
- Charge-off 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% (very high risk) |
| Gambino's Pizza | 2 | $225K | N/A |
| Servicemaster | 1 | $36K | 0.0% (low risk) |
| Wendy's | 1 | $200K | 0.0% (low risk) |
| International Harvester | 1 | $1.2M | 0.0% (low risk) |
| Gold's Gym | 1 | $150K | 0.0% (low risk) |
| Fantastic Sam's | 1 | $135K | 0.0% (low risk) |
| Rocky Mountain Chocolate Facto | 1 | $200K | 0.0% (low risk) |
| Zland | 1 | $350K | 0.0% (low risk) |
| Hokulia Shave Ice | 1 | $180K | N/A |
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
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 Farmers Bank and Trust originated?
- 13 loans totaling $3.1M. The portfolio carries a 11.1% charge-off rate, earning a “AVERAGE” 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 Farmers Bank and Trust fund the most?
- The “Top franchise exposures” table above lists the brands Farmers Bank and Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.