FC
SBA 7(a) franchise lending portfolio
First Citizens Bank of Butte
GOOD risk
- Total loans
- 12
- Loan volume
- $2.2M
- Avg loan size
- $180K
- Charge-off rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.50%
Franchises funded
8
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Perkins Restaurants | 3 | $770K | 0.0% (low risk) |
| Domino's Pizza | 2 | $179K | 0.0% (low risk) |
| Wild Noodles | 2 | $530K | 0.0% (low risk) |
| Arctic Circle | 1 | $287K | 100.0% (very high risk) |
| Golf U.s.a. (retail Golf Equip | 1 | $52K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $50K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $130K | 0.0% (low risk) |
| Little Ceasar's Pizza | 1 | $163K | 0.0% (low risk) |
Lending volume by year
2'92
1'93
1'95
1'97
1'98
1'00
1'02
3'05
1'13
Geographic exposure
1010.0% (elevated risk)
20.0% (low risk)
Portfolio summary
Total funded$2.2M
Defaults1 of 12
Risk tierGOOD
Avg rate5.50%
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 First Citizens Bank of Butte originated?
- 12 loans totaling $2.2M. The portfolio carries a 8.3% charge-off rate, earning a “GOOD” 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 First Citizens Bank of Butte fund the most?
- The “Top franchise exposures” table above lists the brands First Citizens Bank of Butte has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.