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SBA 7(a) franchise lending portfolio
Metcalf Bank
AVERAGE risk
- Total loans
- 33
- Loan volume
- $3.3M
- Avg loan size
- $99K
- Default rate
- 12.5%
- vs 15.4% national avg
Defaults
4
Avg interest
—
Franchises funded
16
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Mr. Goodcents Sub' And Pasta | 11 | $1.3M | 9.1% |
| Subway Sandwich Shop | 4 | $313K | 25.0% |
| Cottman Transmission | 3 | $313K | 0.0% |
| Maggiemoo's (ice Cream) | 2 | $215K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 2 | $200K | 0.0% |
| Dr. Vinyl (vinyl Uphol., Etc.) | 1 | $54K | 0.0% |
| Money Mailer | 1 | $22K | 0.0% |
| Hobbytown Usa | 1 | $120K | 100.0% |
| Rocky Mountain Chocolate Facto | 1 | $166K | 0.0% |
| Gambino's Pizza | 1 | $90K | 0.0% |
| Kangakab Inc. | 1 | $37K | 0.0% |
| Formu-3 Weight Loss Center | 1 | $19K | 100.0% |
| Quickprint Center | 1 | $87K | 0.0% |
| Mailboxes & Parcel Depot | 1 | $75K | 0.0% |
| Sheridan's Frozen Custard | 1 | $189K | 0.0% |
| Fastsigns | 1 | $100K | 0.0% |
Lending volume by year
2'92
4'93
6'94
4'95
4'96
6'97
2'98
1'00
4'02
Metcalf Bank default rate by loan vintage
BrandNational avg
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%).