GC
SBA 7(a) franchise lending portfolio
Gulf Coast Bank and Trust Company
Risk rating: Elevated
- Total loans
- 510
- Loan volume
- $299.1M
- Avg loan size
- $586K
- Charge-off rate
- 18.3%
- vs 16.0% national
Charged off
57
Avg interest
7.36%
Franchises funded
252
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Cici's Pizza | 24 | $5.4M | 37.5% (high risk) |
| The NOW Massage | 21 | $12.1M | N/A |
| Quiznos | 17 | $2.7M | 41.2% (high risk) |
| Jimmy John's | 14 | $4.5M | 0.0% (excellent) |
| The Great Greek Mediterranean | 14 | $9.8M | N/A |
| Pieology | 11 | $7.2M | 0.0% (excellent) |
| Subway Sandwich Shop | 10 | $1.8M | 10.0% (average) |
| Anytime Fitness | 10 | $2.2M | 0.0% (excellent) |
| Killer Burger | 10 | $5.5M | N/A |
| Smoothie King (health Food Sto | 9 | $1.9M | N/A |
| Days Inn | 8 | $10.6M | N/A |
| Wow Cafe And Wingery | 8 | $2.2M | N/A |
| Marco's Pizza | 8 | $3.2M | N/A |
| Firehouse Subs | 8 | $3.3M | N/A |
| International House Of Pancake | 6 | $2.6M | N/A |
| P J's Coffee And Tea Cafe | 6 | $752K | N/A |
| Super 8 Motel | 5 | $4.8M | N/A |
| F45 Training | 5 | $1.9M | N/A |
| Franklin's Printing & Office | 4 | $854K | N/A |
| Microplay | 4 | $715K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 6 |
| FY1996 | 6 |
| FY1997 | 8 |
| FY1998 | 16 |
| FY1999 | 15 |
| FY2000 | 11 |
| FY2001 | 1 |
| FY2003 | 7 |
| FY2004 | 18 |
| FY2005 | 17 |
| FY2006 | 15 |
| FY2007 | 8 |
| FY2008 | 12 |
| FY2009 | 13 |
| FY2010 | 12 |
| FY2011 | 28 |
| FY2012 | 7 |
| FY2013 | 12 |
| FY2014 | 17 |
| FY2015 | 18 |
| FY2016 | 19 |
| FY2017 | 14 |
| FY2018 | 6 |
| FY2019 | 16 |
| FY2020 | 25 |
| FY2021 | 59 |
| FY2022 | 31 |
| FY2023 | 31 |
| FY2024 | 27 |
| FY2025 | 31 |
| FY2026 | 4 |
SBA 7(a) · charge-off rate by approval year
Gulf Coast Bank and Trust Company: above all franchise loans in 10 of 16 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1995 | 6 | 3 | Too few |
| 1996 | 6 | 2 | Too few |
| 1997 | 8 | 4 | Too few |
| 1998 | 16 | 4 | 25.0% |
| 1999 | 15 | 5 | 33.3% |
| 2000 | 11 | 6 | 54.5% |
| 2003 | 7 | 2 | Too few |
| 2004 | 18 | 4 | 22.2% |
| 2005 | 17 | 5 | 29.4% |
| 2006 | 15 | 4 | 26.7% |
| 2007 | 8 | 2 | Too few |
| 2008 | 12 | 4 | 33.3% |
| 2009 | 12 | 0 | 0.0% |
| 2010 | 12 | 0 | 0.0% |
| 2011 | 26 | 3 | 11.5% |
| 2012 | 7 | 0 | Too few |
| 2013 | 11 | 0 | 0.0% |
| 2014 | 16 | 2 | 12.5% |
| 2015 | 13 | 0 | 0.0% |
| 2016 | 16 | 2 | 12.5% |
| 2017 | 10 | 1 | 10.0% |
| 2018 | 3 | 0 | Too few |
| 2019 | 7 | 0 | Too few |
| 2020 | 8 | 0 | Too early |
| 2021 | 23 | 3 | 13.0% |
| 2022 | 3 | 0 | Too early |
| 2023 | 3 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
12817.5% (elevated)
10219.0% (elevated)
4317.6% (elevated)
3823.5% (high risk)
210.0% (excellent)
1711.1% (average)
179.1% (good)
140.0% (excellent)
140.0% (excellent)
1033.3% (high risk)
Portfolio summary
Total funded$299.1M
Charged off57 of 510
Risk tierElevated
Avg rate7.36%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off 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%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Gulf Coast Bank and Trust Company originated?
- 510 loans totaling $299.1M. The portfolio carries a 18.3% charge-off rate, earning a “Elevated” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Gulf Coast Bank and Trust Company's rate of 18.3% is above the national rate.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Gulf Coast Bank and Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands Gulf Coast Bank and Trust Company has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.