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SBA 7(a) franchise lending portfolio
Great Southern Bank
CRITICAL risk
- Total loans
- 52
- Loan volume
- $10.5M
- Avg loan size
- $201K
- Default rate
- 24.0%
- vs 15.4% national avg
Defaults
12
Avg interest
6.23%
Franchises funded
39
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Orange Leaf | 5 | $1.2M | 0.0% |
| Little Ceasar's Pizza | 3 | $630K | 0.0% |
| Grand Rental Station | 2 | $235K | 0.0% |
| Worldwide Refinishing System | 2 | $95K | 100.0% |
| Massage Heights | 2 | $225K | 0.0% |
| Little Gym | 2 | $250K | 100.0% |
| Dickey's Barbeque | 2 | $442K | 0.0% |
| Maid-Rite Sandwich Shop | 2 | $100K | 0.0% |
| Dickey's Barbecue Pit | 2 | $465K | 50.0% |
| Golden Corral (restaurant) | 1 | $100K | — |
| Subway Sandwich Shop | 1 | $186K | 0.0% |
| H & R Block | 1 | $92K | 0.0% |
| Popeye's Famous Fried Chicken | 1 | $535K | 0.0% |
| B.t. Bones Restaurant (steakho | 1 | $650K | 0.0% |
| Blimpie | 1 | $82K | 100.0% |
| Ming Auto Beauty Center | 1 | $100K | 0.0% |
| Scott's Lawnservice | 1 | $78K | 100.0% |
| Golf U.s.a. (retail Golf Equip | 1 | $208K | 100.0% |
| Wheel Repair Solutions Interna | 1 | $56K | 0.0% |
| Post Net | 1 | $60K | 100.0% |
Lending volume by year
1'92
1'93
4'95
2'96
3'98
2'00
1'02
3'04
3'05
3'06
1'07
4'08
1'10
9'11
2'12
4'13
5'14
2'15
1'24
Great Southern 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%).