![First Fidelity Bank logo](https://cdn.brandfetch.io/firstfidelitybank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
First Fidelity Bank
GOOD risk
- Total loans
- 44
- Loan volume
- $16.7M
- Avg loan size
- $381K
- Default 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% |
| Burger King | 3 | $2.3M | 0.0% |
| Sugar Llamas - License Agreeme | 3 | $736K | — |
| Domino's Pizza | 2 | $142K | 0.0% |
| Quiznos | 2 | $290K | 50.0% |
| Mr. Goodcents Sub' And Pasta | 2 | $260K | 50.0% |
| Zuka Juice | 1 | $100K | 0.0% |
| True Value Hardware | 1 | $86K | 0.0% |
| Taco John's | 1 | $239K | 0.0% |
| Coast-To-Coast Store | 1 | $180K | 0.0% |
| Radio Shack | 1 | $66K | 0.0% |
| Pakmail Centers Of America | 1 | $50K | 0.0% |
| Play It Again Sports (retail S | 1 | $137K | 0.0% |
| Allstate Insurance | 1 | $100K | 0.0% |
| Beauty Warehouse | 1 | $60K | 0.0% |
| Anytime Fitness | 1 | $127K | 0.0% |
| AAMCO Transmissions | 1 | $666K | 0.0% |
| Straight Shot Express | 1 | $80K | 0.0% |
| Amoco (gas Station) | 1 | $329K | 0.0% |
| Merry Maids | 1 | $194K | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
1127.3%
110.0%
70.0%
50.0%
40.0%
2—
10.0%
10.0%
1—
10.0%
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
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%).