FF
SBA 7(a) franchise lending portfolio
First Fidelity Bank
GOOD risk
- Total loans
- 44
- Loan volume
- $16.7M
- Avg loan size
- $381K
- Charge-off rate
- 8.1%
- vs 15.4% national avg
Defaults
3
Avg interest
7.12%
Franchises funded
35
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Cici's Pizza | 3 | $692K | 0.0% (low risk) |
| Burger King | 3 | $2.3M | 0.0% (low risk) |
| Sugar Llamas - License Agreeme | 3 | $736K | N/A |
| Domino's Pizza | 2 | $142K | 0.0% (low risk) |
| Quiznos | 2 | $290K | 50.0% (very high risk) |
| Mr. Goodcents Sub' And Pasta | 2 | $260K | 50.0% (very high risk) |
| Zuka Juice | 1 | $100K | 0.0% (low risk) |
| True Value Hardware | 1 | $86K | 0.0% (low risk) |
| Taco John's | 1 | $239K | 0.0% (low risk) |
| Coast-To-Coast Store | 1 | $180K | 0.0% (low risk) |
| Radio Shack | 1 | $66K | 0.0% (low risk) |
| Pakmail Centers Of America | 1 | $50K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $137K | 0.0% (low risk) |
| Allstate Insurance | 1 | $100K | 0.0% (low risk) |
| Beauty Warehouse | 1 | $60K | 0.0% (low risk) |
| Anytime Fitness | 1 | $127K | 0.0% (low risk) |
| AAMCO Transmissions | 1 | $666K | 0.0% (low risk) |
| Straight Shot Express | 1 | $80K | 0.0% (low risk) |
| Amoco (gas Station) | 1 | $329K | 0.0% (low risk) |
| Merry Maids | 1 | $194K | 0.0% (low risk) |
Lending volume by year
2'93
2'94
3'95
3'96
2'97
2'98
2'99
3'00
4'02
6'03
1'04
1'05
1'10
3'11
1'15
1'21
1'22
3'23
2'24
1'25
First Fidelity Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
1127.3% (very high risk)
110.0% (low risk)
70.0% (low risk)
50.0% (low risk)
40.0% (low risk)
2N/A
10.0% (low risk)
10.0% (low risk)
1N/A
10.0% (low risk)
Portfolio summary
Total funded$16.7M
Defaults3 of 44
Risk tierGOOD
Avg rate7.12%
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 Fidelity Bank originated?
- 44 loans totaling $16.7M. The portfolio carries a 8.1% 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 Fidelity Bank fund the most?
- The “Top franchise exposures” table above lists the brands First Fidelity 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.