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SBA 7(a) franchise lending portfolio
Home Federal Bank
AVERAGE risk
- Total loans
- 10
- Loan volume
- $2.0M
- Avg loan size
- $196K
- Default rate
- 10.0%
- vs 15.4% national avg
Defaults
1
Avg interest
6.88%
Franchises funded
9
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dairy Queen | 2 | $324K | 0.0% |
| Learning Express | 1 | $185K | 100.0% |
| Mr. Rooter | 1 | $45K | 0.0% |
| Batteries Plus | 1 | $101K | 0.0% |
| Maui Wowi | 1 | $142K | 0.0% |
| H & R Block | 1 | $300K | 0.0% |
| Culver's Frozen Custard | 1 | $690K | 0.0% |
| Club Z | 1 | $60K | 0.0% |
| Erbert & Gerbert's Subs & Club | 1 | $117K | 0.0% |
Lending volume by year
1'93
1'94
2'99
1'05
1'07
2'08
1'09
1'10
Geographic exposure
1010.0%
Portfolio summary
Total funded$2.0M
Defaults1 of 10
Risk tierAVERAGE
Avg rate6.88%
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%).