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SBA 7(a) franchise lending portfolio
Frost Bank
ELEVATED risk
- Total loans
- 356
- Loan volume
- $108.9M
- Avg loan size
- $306K
- Default rate
- 18.1%
- vs 15.4% national avg
Defaults
49
Avg interest
6.61%
Franchises funded
208
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Smoothie King (health Food Sto | 12 | $1.1M | 0.0% |
| Subway Sandwich Shop | 10 | $1.1M | 0.0% |
| MAACO Auto Painting Center | 9 | $2.1M | 0.0% |
| Quiznos | 7 | $1.1M | 14.3% |
| Wingstop Restaurant | 7 | $1.3M | 0.0% |
| Buttermilk Sky Pie Shop | 7 | $1.8M | 0.0% |
| Express Personnel Services | 6 | $527K | 0.0% |
| Baskin-Robbins 31 Ice Cream | 6 | $736K | 16.7% |
| Pro Cuts | 6 | $580K | 16.7% |
| Dairy Queen | 5 | $1.4M | 0.0% |
| Fastest Labs | 5 | $691K | 0.0% |
| Great Clips | 4 | $901K | 0.0% |
| Servpro | 4 | $1.2M | 0.0% |
| The UPS Store (f/k/a Mail Box | 4 | $1.3M | 0.0% |
| KidStrong | 4 | $1.1M | 0.0% |
| Temporary Franchises | 3 | $740K | 33.3% |
| Rocky Mountain Chocolate Facto | 3 | $671K | 33.3% |
| Ace Hardware | 3 | $903K | 33.3% |
| Get Wax | 3 | $192K | 0.0% |
| Mail Boxes Etc. Usa | 3 | $183K | 66.7% |
Lending volume by year
1'92
4
10
17
15
15'97
9
9
11
7
12'02
14
21
10
11
8'07
7
5
12
3
4'12
1
9
4
6
8'17
16
14
20
23
22'22
21
5
1
1'26
Frost Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$108.9M
Defaults49 of 356
Risk tierELEVATED
Avg rate6.61%
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%).