FN
SBA 7(a) franchise lending portfolio
First National Bank and Trust Company of Weatherford d/b/a F
AVERAGE risk
- Total loans
- 24
- Loan volume
- $10.5M
- Avg loan size
- $436K
- Charge-off rate
- 14.3%
- vs 15.4% national avg
Defaults
3
Avg interest
5.51%
Franchises funded
22
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Popeye's Famous Fried Chicken | 2 | $256K | 0.0% (low risk) |
| Armstrong Mccall | 2 | $1.3M | 0.0% (low risk) |
| Merry Maids | 1 | $35K | 0.0% (low risk) |
| UPS Store | 1 | $150K | 0.0% (low risk) |
| Best Western Inn | 1 | $263K | 0.0% (low risk) |
| Philly Connection | 1 | $150K | 100.0% (very high risk) |
| Tcby | 1 | $100K | 0.0% (low risk) |
| Century 21 | 1 | $10K | 0.0% (low risk) |
| California Closet Company | 1 | $420K | 0.0% (low risk) |
| Liberty Tax Service | 1 | $57K | 0.0% (low risk) |
| Mobile Appearance Reconditioni | 1 | $50K | 0.0% (low risk) |
| My Dollar Store | 1 | $173K | 100.0% (very high risk) |
| Which Wich Superior Sandwiches | 1 | $308K | 0.0% (low risk) |
| Nothing Bundt Cakes | 1 | $300K | N/A |
| Dickey's Barbeque | 1 | $148K | 0.0% (low risk) |
| Witch Wich | 1 | $282K | 0.0% (low risk) |
| Buffalo Wild Wings (f/K/A Bw-3 | 1 | $1.9M | 0.0% (low risk) |
| Frios Gourmet Pops | 1 | $75K | 0.0% (low risk) |
| Taco Casa | 1 | $1.2M | 0.0% (low risk) |
| Kampgrounds of America | 1 | $2.8M | N/A |
Lending volume by year
1'95
1'99
2'00
5'03
1'04
1'05
1'08
1'10
1'11
3'12
1'13
1'14
1'18
1'19
1'20
2'21
Geographic exposure
2414.3% (elevated risk)
Portfolio summary
Total funded$10.5M
Defaults3 of 24
Risk tierAVERAGE
Avg rate5.51%
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 National Bank and Trust Company of Weatherford d/b/a F originated?
- 24 loans totaling $10.5M. The portfolio carries a 14.3% charge-off rate, earning a “AVERAGE” 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 National Bank and Trust Company of Weatherford d/b/a F fund the most?
- The “Top franchise exposures” table above lists the brands First National Bank and Trust Company of Weatherford d/b/a F has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.