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SBA 7(a) franchise lending portfolio
First National Bank Texas
EXCELLENT risk
- Total loans
- 19
- Loan volume
- $5.3M
- Avg loan size
- $279K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.96%
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| ServiceMaster | 4 | $1.1M | 0.0% |
| Precision Tune Auto Care | 3 | $275K | 0.0% |
| AlphaGraphics | 3 | $200K | 0.0% |
| Children's Lighthouse Early Le | 2 | $552K | 0.0% |
| Tcby | 1 | $117K | 0.0% |
| Subway | 1 | $480K | — |
| Cold Stone Creamery | 1 | $430K | — |
| Tropical Smoothie Cafe | 1 | $255K | 0.0% |
| Venture X | 1 | $943K | — |
| Shipley Do-Nut | 1 | $555K | 0.0% |
| Little Caesars | 1 | $405K | 0.0% |
Lending volume by year
1'01
1'18
3'19
7'20
5'21
2'22
Geographic exposure
190.0%
Portfolio summary
Total funded$5.3M
Defaults0 of 19
Risk tierEXCELLENT
Avg rate5.96%
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%).