FS
SBA 7(a) franchise lending portfolio
First State Bank of St Charles, Missouri
CRITICAL risk
- Total loans
- 16
- Loan volume
- $3.3M
- Avg loan size
- $203K
- Charge-off rate
- 31.3%
- vs 15.4% national avg
Defaults
5
Avg interest
6.00%
Franchises funded
8
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Liberty Tax Service | 5 | $750K | 0.0% (low risk) |
| Massage Luxe | 4 | $1.3M | 0.0% (low risk) |
| The Pita Pit | 2 | $583K | 50.0% (very high risk) |
| Play N Trade | 1 | $123K | 100.0% (very high risk) |
| Smallcakes | 1 | $137K | 100.0% (very high risk) |
| Hotshots Sports Bar & Grill | 1 | $106K | 100.0% (very high risk) |
| Orange Leaf Frozen Yogurt | 1 | $158K | 100.0% (very high risk) |
| Minuteman Press | 1 | $140K | 0.0% (low risk) |
Lending volume by year
2'11
6'12
1'13
3'15
4'16
First State Bank of St Charles, Missouri charge-off rate by loan vintage
BrandNational avg
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 State Bank of St Charles, Missouri originated?
- 16 loans totaling $3.3M. The portfolio carries a 31.3% 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 State Bank of St Charles, Missouri fund the most?
- The “Top franchise exposures” table above lists the brands First State Bank of St Charles, Missouri has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.