FC
SBA 7(a) franchise lending portfolio
First Command Bank
UNKNOWN risk
- Total loans
- 17
- Loan volume
- $7.4M
- Avg loan size
- $433K
- Charge-off rate
- N/A
- vs 15.4% national avg
Defaults
0
Avg interest
9.35%
Franchises funded
14
Risk rating
UNKNOWN
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Resting Rainbow Pet Memorials | 2 | $1.1M | N/A |
| The Back Nine | 2 | $892K | N/A |
| American Kolache | 2 | $313K | N/A |
| Kitchen Guard Services | 1 | $350K | N/A |
| Mr. Electric | 1 | $208K | N/A |
| Floor Coverings International | 1 | $157K | N/A |
| Mosquito Hunters | 1 | $50K | N/A |
| Seniore's Pizza | 1 | $360K | N/A |
| Outdoor Lighting Perspectives | 1 | $150K | N/A |
| Alloy Personal Traning | 1 | $500K | N/A |
| Cinnaholic | 1 | $345K | N/A |
| A Better Solution In Home Care | 1 | $205K | N/A |
| Scooter's Coffee | 1 | $2.0M | N/A |
| Lightbridge Academy | 1 | $732K | N/A |
Lending volume by year
2'23
2'24
9'25
4'26
Geographic exposure
3N/A
2N/A
2N/A
2N/A
1N/A
1N/A
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$7.4M
Defaults0 of 17
Risk tierUNKNOWN
Avg rate9.35%
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 Command Bank originated?
- 17 loans totaling $7.4M.
- 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 Command Bank fund the most?
- The “Top franchise exposures” table above lists the brands First Command 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.