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SBA 7(a) franchise lending portfolio
First Western Bank & Trust
EXCELLENT risk
- Total loans
- 34
- Loan volume
- $12.8M
- Avg loan size
- $376K
- Default rate
- 4.2%
- vs 15.4% national avg
Defaults
1
Avg interest
5.82%
Franchises funded
21
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servpro | 5 | $1.9M | 0.0% |
| Healthsource Chiropractic | 4 | $665K | 0.0% |
| Uncle Maddio's Pizza Joint | 3 | $500K | 0.0% |
| A&w | 3 | $213K | 0.0% |
| Dairy Queen | 2 | $1.2M | 0.0% |
| Servpro | 2 | $121K | 0.0% |
| Wicks 'n' Sticks | 1 | $127K | 100.0% |
| Papa Murphy's Take & Bake Pizz | 1 | $125K | 0.0% |
| Domino's Pizza | 1 | $375K | 0.0% |
| Anytime Fitness | 1 | $1.7M | 0.0% |
| Uncle Maddio's Pizza | 1 | $203K | 0.0% |
| The Grounds Guys | 1 | $150K | 0.0% |
| Maid To Perfection | 1 | $99K | 0.0% |
| 101 Mobility | 1 | $73K | 0.0% |
| Blaze Pizza | 1 | $396K | — |
| Ace Hardware | 1 | $300K | — |
| Nautical Bowls | 1 | $385K | — |
| Anytime Fitness | 1 | $3.5M | — |
| Pure Barre | 1 | $17K | 0.0% |
| CycleBar | 1 | $200K | — |
Lending volume by year
1'96
1'99
1'04
3'10
2'11
4'14
3'15
2'16
2'17
1'19
2'20
5'21
2'22
4'23
1'24
First Western Bank & Trust default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$12.8M
Defaults1 of 34
Risk tierEXCELLENT
Avg rate5.82%
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%).