![FNB Bank, Inc. logo](https://cdn.brandfetch.io/fnbbank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
FNB Bank, Inc.
GOOD risk
- Total loans
- 20
- Loan volume
- $4.3M
- Avg loan size
- $213K
- Default rate
- 6.3%
- vs 15.4% national avg
Defaults
1
Avg interest
6.18%
Franchises funded
15
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servicemaster | 2 | $165K | 0.0% |
| The UPS Store | 2 | $55K | 0.0% |
| Popeye's Famous Fried Chicken | 2 | $190K | 0.0% |
| Dairy Queen Frozen Treat Cente | 2 | $225K | 0.0% |
| Subway | 2 | $345K | — |
| Barbizon School Of (territory) | 1 | $24K | 100.0% |
| Fox's Pizza Den | 1 | $150K | 0.0% |
| Merle Norman Cosmetics | 1 | $47K | 0.0% |
| Snap Fitness | 1 | $150K | 0.0% |
| Mcalister's Gourmet Deli | 1 | $220K | 0.0% |
| Little Ceasar's Pizza | 1 | $300K | 0.0% |
| Taco John's | 1 | $420K | 0.0% |
| Line-X | 1 | $75K | 0.0% |
| Fox's Pizza Den | 1 | $497K | — |
| Super 8 by Wyndhan | 1 | $1.4M | — |
Lending volume by year
1'95
1'03
1'04
1'05
3'09
1'10
1'11
1'12
3'13
2'15
2'21
3'23
Geographic exposure
Portfolio summary
Total funded$4.3M
Defaults1 of 20
Risk tierGOOD
Avg rate6.18%
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%).