FN
SBA 7(a) franchise lending portfolio
First National Bank of Coffee County
CRITICAL risk
- Total loans
- 20
- Loan volume
- $15.6M
- Avg loan size
- $778K
- Charge-off rate
- 60.0%
- vs 15.4% national avg
Defaults
3
Avg interest
9.47%
Franchises funded
17
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Monster Mini Golf | 2 | $2.0M | N/A |
| The Back Nine | 2 | $1.1M | N/A |
| JETSET Pilates | 2 | $1.1M | N/A |
| Larry's Giant Subs | 1 | $141K | 100.0% (very high risk) |
| Matco Tools (rent Tools) | 1 | $150K | 100.0% (very high risk) |
| Hungry Howie's | 1 | $100K | 0.0% (low risk) |
| Ramada Inn | 1 | $1.8M | 100.0% (very high risk) |
| Chip/Chip Cookies | 1 | $499K | N/A |
| iCRYO Franchise System LLC | 1 | $1.6M | N/A |
| Super 8 by Wyndhan | 1 | $1.3M | 0.0% (low risk) |
| Wayback Burgers | 1 | $750K | N/A |
| Club Pilates | 1 | $700K | N/A |
| Sylvan Learning Centers | 1 | $1.1M | N/A |
| FYZICAL | 1 | $285K | N/A |
| Crust Pizza Co. | 1 | $850K | N/A |
| Ivybrook Academy | 1 | $1.2M | N/A |
| Hounds Town USA | 1 | $995K | N/A |
Lending volume by year
1'02
1'03
1'10
1'12
1'20
8'23
2'24
5'25
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 of Coffee County originated?
- 20 loans totaling $15.6M. The portfolio carries a 60.0% charge-off rate, earning a “CRITICAL” 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 of Coffee County fund the most?
- The “Top franchise exposures” table above lists the brands First National Bank of Coffee County has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.