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SBA 7(a) franchise lending portfolio
Johnson Bank
GOOD risk
- Total loans
- 18
- Loan volume
- $4.5M
- Avg loan size
- $249K
- Default rate
- 6.7%
- vs 15.4% national avg
Defaults
1
Avg interest
5.54%
Franchises funded
14
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 4 | $420K | 0.0% |
| Red Wing Shoes | 2 | $130K | 0.0% |
| Pizza Pit | 1 | $161K | — |
| Kentucky Fried Chicken | 1 | $82K | 0.0% |
| Sylvan Learning Center | 1 | $250K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 1 | $150K | 0.0% |
| Heavenly Hams | 1 | $130K | 0.0% |
| Persona Wood Fired Pizzeria | 1 | $160K | 100.0% |
| Fuddrucker's | 1 | $861K | 0.0% |
| Weed Man | 1 | $75K | 0.0% |
| Koala Center For Sleep Disorde | 1 | $135K | 0.0% |
| Zland | 1 | $220K | 0.0% |
| Jimmy John's | 1 | $1.5M | — |
| Dairy Queen Operating Agreemen | 1 | $180K | — |
Lending volume by year
3'93
3'94
1'00
2'04
2'08
1'10
3'14
1'18
2'22
Geographic exposure
186.7%
Portfolio summary
Total funded$4.5M
Defaults1 of 18
Risk tierGOOD
Avg rate5.54%
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%).