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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
- Default 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% |
| Armstrong Mccall | 2 | $1.3M | 0.0% |
| Merry Maids | 1 | $35K | 0.0% |
| UPS Store | 1 | $150K | 0.0% |
| Best Western Inn | 1 | $263K | 0.0% |
| Philly Connection | 1 | $150K | 100.0% |
| Tcby | 1 | $100K | 0.0% |
| Century 21 | 1 | $10K | 0.0% |
| California Closet Company | 1 | $420K | 0.0% |
| Liberty Tax Service | 1 | $57K | 0.0% |
| Mobile Appearance Reconditioni | 1 | $50K | 0.0% |
| My Dollar Store | 1 | $173K | 100.0% |
| Which Wich Superior Sandwiches | 1 | $308K | 0.0% |
| Nothing Bundt Cakes | 1 | $300K | — |
| Dickey's Barbeque | 1 | $148K | 0.0% |
| Witch Wich | 1 | $282K | 0.0% |
| Buffalo Wild Wings (f/K/A Bw-3 | 1 | $1.9M | 0.0% |
| Frios Gourmet Pops | 1 | $75K | 0.0% |
| Taco Casa | 1 | $1.2M | 0.0% |
| Kampgrounds of America | 1 | $2.8M | — |
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%
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
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%).