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SBA 7(a) franchise lending portfolio
First Commercial Bank, National Association
CRITICAL risk
- Total loans
- 37
- Loan volume
- $17.6M
- Avg loan size
- $475K
- Default rate
- 28.6%
- vs 15.4% national avg
Defaults
10
Avg interest
5.50%
Franchises funded
24
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 7 | $5.9M | 0.0% |
| All Tune And Lube | 4 | $338K | 50.0% |
| I Can't Believe It's Yogurt | 2 | $117K | 100.0% |
| Super 8 Motel | 2 | $2.3M | 50.0% |
| Popeye's Famous Fried Chicken | 2 | $699K | 0.0% |
| Travelodge | 2 | $1.6M | 50.0% |
| Ramada Inn | 1 | $1.0M | 0.0% |
| Blimpie | 1 | $35K | 0.0% |
| Cici's Pizza | 1 | $220K | 0.0% |
| Rainbow Carpet Dyeing | 1 | $26K | 100.0% |
| Golden Corral (restaurant) | 1 | $150K | — |
| General Business Services | 1 | $32K | 0.0% |
| Econo Lodge Motel | 1 | $975K | 0.0% |
| Good Times Drive Thru, Icn. | 1 | $420K | 0.0% |
| Century 21 | 1 | $100K | 0.0% |
| Maxi's Deli | 1 | $469K | 100.0% |
| Jackson Hewitt Tax Service | 1 | $60K | 0.0% |
| Holiday Inn | 1 | $490K | 0.0% |
| Wendy's | 1 | $328K | 0.0% |
| Howard Johnson | 1 | $764K | 0.0% |
Lending volume by year
1'92
4'93
6'94
10'95
2'96
7'97
2'98
2'99
1'00
1'01
1'21
First Commercial Bank, National Association default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$17.6M
Defaults10 of 37
Risk tierCRITICAL
Avg rate5.50%
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%).