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SBA 7(a) franchise lending portfolio
Mid-Missouri Bank
CRITICAL risk
- Total loans
- 25
- Loan volume
- $7.2M
- Avg loan size
- $286K
- Default rate
- 28.0%
- vs 15.4% national avg
Defaults
7
Avg interest
4.92%
Franchises funded
21
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 4 | $891K | 50.0% |
| Mailbox It | 2 | $85K | 0.0% |
| Simple Simon's Pizza | 1 | $40K | 0.0% |
| Conoco Service Station | 1 | $390K | 0.0% |
| Citgo Service Station | 1 | $561K | 100.0% |
| True Value Hardware | 1 | $187K | 0.0% |
| Instant Imprints | 1 | $180K | 100.0% |
| Shakley's Frozen Custard | 1 | $488K | 0.0% |
| Curves For Women | 1 | $40K | 0.0% |
| Papa John's Pizza | 1 | $208K | 0.0% |
| Days Inn | 1 | $2.0M | 0.0% |
| Cd Warehouse | 1 | $20K | 0.0% |
| Money Mailer | 1 | $56K | 100.0% |
| Shake's Frozen Custard | 1 | $520K | 100.0% |
| Mcalister's Gourmet Deli | 1 | $470K | 0.0% |
| Allstate Insurance | 1 | $133K | 0.0% |
| Winestyles, Inc. | 1 | $150K | 0.0% |
| Super 8 Motel | 1 | $410K | 100.0% |
| MetroPCS (Texas) - Exclusive D | 1 | $200K | 0.0% |
| Powerhouse Gyms | 1 | $30K | 0.0% |
Lending volume by year
1'94
1'97
1'98
1'99
4'04
6'05
3'06
5'07
1'13
1'16
1'18
Mid-Missouri Bank default rate by loan vintage
BrandNational avg
Geographic exposure
2528.0%
Portfolio summary
Total funded$7.2M
Defaults7 of 25
Risk tierCRITICAL
Avg rate4.92%
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%).