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SBA 7(a) franchise lending portfolio
Fifth Third Bank
ELEVATED risk
- Total loans
- 821
- Loan volume
- $258.5M
- Avg loan size
- $315K
- Default rate
- 17.3%
- vs 15.4% national avg
Defaults
122
Avg interest
6.31%
Franchises funded
390
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 44 | $7.5M | 2.3% |
| Quiznos | 22 | $3.6M | 31.8% |
| Great Clips | 17 | $2.9M | 0.0% |
| Mail Boxes Etc. Usa | 13 | $1.4M | 23.1% |
| Dairy Queen | 12 | $1.9M | 0.0% |
| Dunkin Donuts | 9 | $3.8M | 11.1% |
| Little Ceasar's Pizza | 9 | $2.4M | 0.0% |
| The Bar Method | 9 | $5.2M | 66.7% |
| Once Upon A Child | 8 | $1.1M | 0.0% |
| Goddard Early Learning Center | 8 | $1.4M | 0.0% |
| Curves For Women | 8 | $544K | 50.0% |
| Culver's ButterBurgers & Froze | 8 | $12.3M | 0.0% |
| Domino's Pizza | 7 | $1.4M | 14.3% |
| Tcby | 7 | $698K | 28.6% |
| Blimpie | 7 | $536K | 14.3% |
| Big Apple Bagels | 6 | $956K | 66.7% |
| Bright Star Learning Center | 6 | $2.1M | 0.0% |
| Marco's Pizza | 6 | $2.5M | 0.0% |
| Servpro | 5 | $778K | 0.0% |
| MAACO Auto Painting Center | 5 | $1.6M | 20.0% |
Lending volume by year
9'92
16
15
19
23
27'97
23
18
30
23
40'02
67
84
80
25
14'07
18
3
8
5
1'12
7
9
19
14
10'17
49
57
33
18
16'22
19
11
7
4'26
Fifth Third Bank default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
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%).