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SBA 7(a) franchise lending portfolio
Glacier Bank
GOOD risk
- Total loans
- 454
- Loan volume
- $204.9M
- Avg loan size
- $451K
- Default rate
- 7.0%
- vs 15.4% national avg
Defaults
28
Avg interest
6.22%
Franchises funded
253
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 11 | $1.4M | 0.0% |
| Papa Murphy's Take & Bake Pizz | 10 | $1.6M | 0.0% |
| Dairy Queen | 9 | $2.3M | 0.0% |
| Dutch Bros. Coffee | 8 | $2.4M | 0.0% |
| Quiznos | 7 | $777K | 42.9% |
| Insty-Prints | 6 | $1.3M | 0.0% |
| Ace Hardware | 5 | $1.5M | 0.0% |
| Hobbytown Usa | 5 | $625K | 0.0% |
| Great Clips | 5 | $378K | 0.0% |
| Baskin-Robbins 31 Ice Cream | 5 | $676K | 0.0% |
| Snap Fitness | 5 | $752K | 0.0% |
| Kneaders Bakery And Cafe | 5 | $750K | 0.0% |
| The Grounds Guys | 5 | $167K | 0.0% |
| Bee Hive Homes | 5 | $6.5M | 0.0% |
| Mail Boxes Etc. Usa | 4 | $473K | 0.0% |
| Cold Stone Creamery, Inc. | 4 | $381K | 0.0% |
| Play It Again Sports (retail S | 4 | $316K | 0.0% |
| Texaco Service Station | 4 | $2.5M | 0.0% |
| The UPS Store | 4 | $446K | 0.0% |
| Americas Best Value Inn (f/K/A | 4 | $5.5M | 0.0% |
Lending volume by year
8'92
6
6
6
7
11'97
11
8
9
7
10'02
19
17
15
13
5'07
14
21
17
17
28'12
20
25
27
13
16'17
16
13
13
15
22'22
7
6
5
1'26
Glacier Bank default rate by loan vintage
BrandNational avg
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%).