GC
SBA 7(a) franchise lending portfolio
Gulf Coast Bank and Trust Company
ELEVATED risk
- Total loans
- 510
- Loan volume
- $299.1M
- Avg loan size
- $586K
- Charge-off rate
- 18.3%
- vs 15.4% national avg
Defaults
57
Avg interest
7.36%
Franchises funded
252
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Cici's Pizza | 24 | $5.4M | 37.5% (very high risk) |
| The NOW Massage | 21 | $12.1M | 0.0% (low risk) |
| Quiznos | 17 | $2.7M | 41.2% (very high risk) |
| Jimmy John's | 14 | $4.5M | 0.0% (low risk) |
| The Great Greek Mediterranean | 14 | $9.8M | 50.0% (very high risk) |
| Pieology | 11 | $7.2M | 0.0% (low risk) |
| Subway Sandwich Shop | 10 | $1.8M | 10.0% (elevated risk) |
| Anytime Fitness | 10 | $2.2M | 0.0% (low risk) |
| Killer Burger | 10 | $5.5M | N/A |
| Smoothie King (health Food Sto | 9 | $1.9M | 0.0% (low risk) |
| Days Inn | 8 | $10.6M | 0.0% (low risk) |
| Wow Cafe And Wingery | 8 | $2.2M | 37.5% (very high risk) |
| Marco's Pizza | 8 | $3.2M | 0.0% (low risk) |
| Firehouse Subs | 8 | $3.3M | 0.0% (low risk) |
| International House Of Pancake | 6 | $2.6M | 0.0% (low risk) |
| P J's Coffee And Tea Cafe | 6 | $752K | 0.0% (low risk) |
| Super 8 Motel | 5 | $4.8M | 40.0% (very high risk) |
| F45 Training | 5 | $1.9M | N/A |
| Franklin's Printing & Office | 4 | $854K | 75.0% (very high risk) |
| Microplay | 4 | $715K | 75.0% (very high risk) |
Lending volume by year
6'95
6
8
16
15
11'00
1
7
18
17
15'06
8
12
13
12
28'11
7
12
17
18
19'16
14
6
16
25
59'21
31
31
27
31
4'26
Gulf Coast Bank and Trust Company charge-off rate by loan vintage
BrandNational avg
Geographic exposure
12817.5% (high risk)
10219.0% (high risk)
4317.6% (high risk)
3823.5% (very high risk)
210.0% (low risk)
1711.1% (elevated risk)
179.1% (moderate risk)
140.0% (low risk)
140.0% (low risk)
1033.3% (very high risk)
Portfolio summary
Total funded$299.1M
Defaults57 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). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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.