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SBA 7(a) franchise lending portfolio
First Financial Bank
AVERAGE risk
- Total loans
- 445
- Loan volume
- $255.1M
- Avg loan size
- $573K
- Default rate
- 12.5%
- vs 15.4% national avg
Defaults
44
Avg interest
6.21%
Franchises funded
195
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Health Mart Pharmacy | 32 | $36.7M | 0.0% |
| Subway Sandwich Shop | 20 | $4.8M | 10.0% |
| Vital Care | 20 | $24.1M | 0.0% |
| Denny's Restaurant | 18 | $11.0M | 11.1% |
| Health Mart Pharmacies | 18 | $17.7M | 7.1% |
| Dairy Queen Grill & Chill/Texa | 12 | $3.7M | 0.0% |
| Papa Murphy's Take & Bake Pizz | 11 | $2.4M | 18.2% |
| Domino's Pizza | 10 | $2.3M | 30.0% |
| Moe's Sw Grill | 9 | $3.1M | 0.0% |
| The Medicine Shoppe | 8 | $10.6M | 0.0% |
| Great American Cookies | 6 | $1.6M | 0.0% |
| Mail Boxes Etc. Usa | 5 | $540K | 0.0% |
| Huddle House | 5 | $2.0M | 0.0% |
| Good Neighbor Pharmacy | 5 | $13.9M | 0.0% |
| International House Of Pancake | 4 | $980K | 25.0% |
| The Pita Pit | 4 | $450K | 75.0% |
| Dairy Queen Frozen Treat Cente | 4 | $950K | 0.0% |
| Vital Care | 4 | $3.2M | 0.0% |
| Senior Helpers | 4 | $7.3M | 0.0% |
| Tcby | 3 | $466K | 66.7% |
Lending volume by year
1'92
5
3
1
1
2'98
1
8
2
6
7'03
8
15
32
43
26'08
10
8
10
12
9'13
22
21
29
19
40'18
27
20
12
4
13'23
11
11
6'26
First Financial Bank default rate by loan vintage
BrandNational avg
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%).