FI
SBA 7(a) franchise lending portfolio
First International Bank & Trust
EXCELLENT risk
- Total loans
- 19
- Loan volume
- $5.2M
- Avg loan size
- $274K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.85%
Franchises funded
13
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Tires Plus | 3 | $308K | 0.0% (low risk) |
| Glass Doctor | 2 | $284K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 2 | $300K | 0.0% (low risk) |
| Servpro | 2 | $155K | 0.0% (low risk) |
| Express Employment Professiona | 2 | $2.8M | 0.0% (low risk) |
| Music Go Round | 1 | $100K | 0.0% (low risk) |
| Option Care, Inc. | 1 | $100K | 0.0% (low risk) |
| Panchero's Mexican Grill | 1 | $333K | 0.0% (low risk) |
| Medicine Shoppe | 1 | $450K | 0.0% (low risk) |
| Cookie Company | 1 | $50K | 0.0% (low risk) |
| True Value Hardware | 1 | $28K | 0.0% (low risk) |
| Overhead Door Co. | 1 | $150K | 0.0% (low risk) |
| Batteries Plus Bulbs | 1 | $150K | 0.0% (low risk) |
Lending volume by year
1'97
5'00
2'04
1'05
2'06
1'07
1'09
1'10
2'11
1'14
2'23
Geographic exposure
190.0% (low risk)
Portfolio summary
Total funded$5.2M
Defaults0 of 19
Risk tierEXCELLENT
Avg rate6.85%
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 International Bank & Trust originated?
- 19 loans totaling $5.2M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 International Bank & Trust fund the most?
- The “Top franchise exposures” table above lists the brands First International Bank & Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.