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SBA 7(a) franchise lending portfolio
NBT Bank, National Association
AVERAGE risk
- Total loans
- 94
- Loan volume
- $13.8M
- Avg loan size
- $147K
- Default rate
- 14.1%
- vs 15.4% national avg
Defaults
12
Avg interest
5.95%
Franchises funded
58
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 9 | $875K | 0.0% |
| Snap-On-Tools | 4 | $124K | 0.0% |
| Arby's | 4 | $455K | 0.0% |
| Great Clips | 4 | $280K | 0.0% |
| Matco Tools (rent Tools) | 3 | $70K | 33.3% |
| Servpro | 3 | $424K | 0.0% |
| Camp Bow Wow | 3 | $570K | 0.0% |
| Burger King | 3 | $585K | 0.0% |
| Century 21 | 2 | $294K | 100.0% |
| Kentucky Fried Chicken | 2 | $650K | 0.0% |
| Dairy Queen | 2 | $315K | 0.0% |
| 1-800-Radiator | 2 | $135K | 100.0% |
| Subway | 2 | $726K | 0.0% |
| Edible Arrangements | 2 | $281K | 50.0% |
| The Goddard School | 2 | $827K | 0.0% |
| Home Helpers | 2 | $89K | 0.0% |
| Batteries Plus Bulbs | 2 | $300K | 100.0% |
| Dickey's Barbecue Pit | 2 | $280K | 50.0% |
| Dickey's Barbeque | 2 | $243K | 0.0% |
| Signs By Tomorrow | 1 | $125K | 0.0% |
Lending volume by year
2'92
2
1
4
2
1'97
2
2
3
2
3'04
3
5
3
1
5'10
7
7
8
6
5'15
4
4
5
2
1'21
2
1
1'25
NBT Bank, National Association default rate by loan vintage
BrandNational avg
Geographic exposure
6015.1%
156.7%
814.3%
525.0%
425.0%
10.0%
10.0%
Portfolio summary
Total funded$13.8M
Defaults12 of 94
Risk tierAVERAGE
Avg rate5.95%
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%).