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SBA 7(a) franchise lending portfolio
First State Bank Nebraska
EXCELLENT risk
- Total loans
- 33
- Loan volume
- $14.3M
- Avg loan size
- $434K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.62%
Franchises funded
13
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Ameriprise Financial | 9 | $5.1M | 0.0% |
| Chiropractic Usa | 4 | $258K | 0.0% |
| Taco John's | 4 | $1.7M | 0.0% |
| DQ Grill & Chill Operating Agr | 4 | $945K | — |
| Anytime Fitness | 2 | $207K | 0.0% |
| Taco John's | 2 | $80K | 0.0% |
| Ameriprise Financial | 2 | $3.3M | 0.0% |
| Dickey's Barbeque | 1 | $415K | 0.0% |
| Hotworx | 1 | $300K | 0.0% |
| QC Kinetix | 1 | $1.3M | 0.0% |
| LIVE Hydration Spa | 1 | $315K | — |
| Transworld Business Advisors | 1 | $25K | — |
| Runza | 1 | $500K | — |
Lending volume by year
2'05
1'06
2'07
1'09
2'10
1'12
1'15
3'17
1'18
3'19
3'20
2'21
4'22
2'23
4'24
1'25
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%).