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SBA 7(a) franchise lending portfolio
Liberty Bank and Trust Company
CRITICAL risk
- Total loans
- 10
- Loan volume
- $2.0M
- Avg loan size
- $200K
- Default rate
- 25.0%
- vs 15.4% national avg
Defaults
2
Avg interest
8.12%
Franchises funded
8
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 3 | $522K | 33.3% |
| Smoothie King (health Food Sto | 1 | $107K | 0.0% |
| Soupy's | 1 | $100K | 0.0% |
| Obee's Soup Salad Subs | 1 | $165K | 0.0% |
| Midas | 1 | $364K | 100.0% |
| Smoothie King | 1 | $200K | — |
| Stumpy's Hatchet House | 1 | $460K | 0.0% |
| Matcha Café Maiko - License Ag | 1 | $80K | — |
Lending volume by year
1'97
1'99
1'01
1'03
1'04
1'08
1'12
1'20
1'24
1'25
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%).