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SBA 7(a) franchise lending portfolio
First Texas Bank
EXCELLENT risk
- Total loans
- 19
- Loan volume
- $3.3M
- Avg loan size
- $173K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.00%
Franchises funded
15
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 3 | $357K | 0.0% |
| Subway Sandwich Shop | 3 | $865K | 0.0% |
| Western Sizzlin Steak House | 1 | $98K | 0.0% |
| Hardee's Restaurant | 1 | $48K | 0.0% |
| Mail Boxes Etc. Usa | 1 | $50K | 0.0% |
| Church's Fried Chicken | 1 | $96K | 0.0% |
| Schlotzsky's Sandwich Shop | 1 | $607K | 0.0% |
| Firehouse Subs | 1 | $230K | 0.0% |
| Jimmy John's | 1 | $150K | 0.0% |
| Golf Etc. | 1 | $125K | 0.0% |
| Shipley Donut Shop | 1 | $362K | 0.0% |
| Curves For Women | 1 | $40K | 0.0% |
| Sears Catalog Store | 1 | $145K | 0.0% |
| Post Net | 1 | $74K | 0.0% |
| Servpro | 1 | $45K | 0.0% |
Lending volume by year
2'95
1'96
1'97
2'98
2'99
1'00
1'01
4'02
1'03
1'04
1'05
1'07
1'11
Geographic exposure
190.0%
Portfolio summary
Total funded$3.3M
Defaults0 of 19
Risk tierEXCELLENT
Avg rate6.00%
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%).