F&
SBA 7(a) franchise lending portfolio
Farmers & Mechanics Bank
AVERAGE risk
- Total loans
- 10
- Loan volume
- $1.3M
- Avg loan size
- $129K
- Charge-off rate
- 11.1%
- vs 15.4% national avg
Defaults
1
Avg interest
N/A
Franchises funded
10
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dairy Queen | 1 | $50K | 0.0% (low risk) |
| Radio Shack | 1 | $81K | 100.0% (very high risk) |
| Domino's Pizza | 1 | $145K | 0.0% (low risk) |
| Burger King | 1 | $559K | 0.0% (low risk) |
| Original Great American Choc.c | 1 | $124K | N/A |
| Line-X | 1 | $65K | 0.0% (low risk) |
| Curves For Women | 1 | $32K | 0.0% (low risk) |
| Gymboree | 1 | $85K | 0.0% (low risk) |
| Fast Frame | 1 | $70K | 0.0% (low risk) |
| Wild Birds Unlimited | 1 | $75K | 0.0% (low risk) |
Lending volume by year
2'92
1'94
1'95
1'99
2'01
2'02
1'03
Geographic exposure
1011.1% (elevated risk)
Portfolio summary
Total funded$1.3M
Defaults1 of 10
Risk tierAVERAGE
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 & Mechanics Bank originated?
- 10 loans totaling $1.3M. 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 & Mechanics Bank fund the most?
- The “Top franchise exposures” table above lists the brands Farmers & Mechanics 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.