LB
SBA 7(a) franchise lending portfolio
Liberty Bank and Trust Company
CRITICAL risk
- Total loans
- 10
- Loan volume
- $2.0M
- Avg loan size
- $200K
- Charge-off 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% (very high risk) |
| Smoothie King (health Food Sto | 1 | $107K | 0.0% (low risk) |
| Soupy's | 1 | $100K | 0.0% (low risk) |
| Obee's Soup Salad Subs | 1 | $165K | 0.0% (low risk) |
| Midas | 1 | $364K | 100.0% (very high risk) |
| Smoothie King | 1 | $200K | N/A |
| Stumpy's Hatchet House | 1 | $460K | 0.0% (low risk) |
| Matcha Café Maiko - License Ag | 1 | $80K | N/A |
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
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 Liberty Bank and Trust Company originated?
- 10 loans totaling $2.0M. The portfolio carries a 25.0% charge-off rate, earning a “CRITICAL” 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 Liberty Bank and Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands Liberty 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.