FS
SBA 7(a) franchise lending portfolio
Farmers State Bank of Alto Pass, Illinois
EXCELLENT risk
- Total loans
- 44
- Loan volume
- $130.8M
- Avg loan size
- $3.0M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.34%
Franchises funded
27
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Comfort Inn by Choice Hotels/C | 4 | $15.1M | 0.0% (low risk) |
| Super 8 by Wyndhan | 4 | $5.3M | 0.0% (low risk) |
| easyvetclinic | 4 | $825K | 0.0% (low risk) |
| Candlewood Suites | 3 | $13.8M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 3 | $9.2M | 0.0% (low risk) |
| Red Roof Inn | 3 | $11.1M | 0.0% (low risk) |
| Clarion Inn by Choice Hotels/C | 2 | $4.8M | N/A |
| Best Western - Membership Agre | 2 | $8.7M | 0.0% (low risk) |
| Grand Traverse Pie Company | 1 | $500K | 0.0% (low risk) |
| Burgerim | 1 | $300K | N/A |
| Tommy's Express | 1 | $4.6M | 0.0% (low risk) |
| Motel 6 | 1 | $2.3M | N/A |
| Holiday Inn/Holiday Inn & Suit | 1 | $5.0M | 0.0% (low risk) |
| Wyndham Garden® | 1 | $5.0M | 0.0% (low risk) |
| Howard Johnson by Wyndham | 1 | $3.6M | N/A |
| Days Inn by Wyndham | 1 | $2.5M | N/A |
| Dairy Queen/Limited Brazier Op | 1 | $1.1M | 0.0% (low risk) |
| Hampton Inn & Suites | 1 | $5.0M | N/A |
| Cobblestone Inn & Suites | 1 | $2.4M | 0.0% (low risk) |
| Fairfield by Marriott/Fairfiel | 1 | $5.0M | N/A |
Lending volume by year
1'10
4'18
7'19
4'20
12'21
9'22
2'23
1'24
4'25
Farmers State Bank of Alto Pass, Illinois charge-off rate by loan vintage
BrandNational avg
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 State Bank of Alto Pass, Illinois originated?
- 44 loans totaling $130.8M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 State Bank of Alto Pass, Illinois fund the most?
- The “Top franchise exposures” table above lists the brands Farmers State Bank of Alto Pass, Illinois has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.