NS
SBA 7(a) franchise lending portfolio
Newtown Savings Bank
CRITICAL risk
- Total loans
- 25
- Loan volume
- $4.0M
- Avg loan size
- $158K
- Charge-off rate
- 47.8%
- vs 15.4% national avg
Defaults
11
Avg interest
5.69%
Franchises funded
16
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 3 | $490K | 33.3% (very high risk) |
| Sea Tow | 2 | $90K | 50.0% (very high risk) |
| Edible Arrangements | 2 | $195K | 0.0% (low risk) |
| Curves For Women | 2 | $320K | 100.0% (very high risk) |
| Dippin Dots | 2 | $75K | 0.0% (low risk) |
| Whizard Academy For Mathmatics | 2 | $200K | 100.0% (very high risk) |
| Young Chefs Academy | 2 | $75K | 100.0% (very high risk) |
| Subway Sandwich Shop | 2 | $350K | 0.0% (low risk) |
| Ace Hardware | 1 | $440K | 100.0% (very high risk) |
| Dairy Queen | 1 | $350K | 0.0% (low risk) |
| Re/Max Realty | 1 | $120K | 100.0% (very high risk) |
| Tutor Doctor | 1 | $42K | 100.0% (very high risk) |
| Dream Dinners | 1 | $285K | 0.0% (low risk) |
| Carvel Ice Cream | 1 | $130K | 0.0% (low risk) |
| SportClips | 1 | $300K | 0.0% (low risk) |
| iCRYO Franchise System LLC | 1 | $500K | N/A |
Lending volume by year
1'02
5'05
5'06
8'07
2'08
1'09
1'17
1'21
1'22
Newtown Savings Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
2547.8% (very high risk)
Portfolio summary
Total funded$4.0M
Defaults11 of 25
Risk tierCRITICAL
Avg rate5.69%
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 Newtown Savings Bank originated?
- 25 loans totaling $4.0M. The portfolio carries a 47.8% 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 Newtown Savings Bank fund the most?
- The “Top franchise exposures” table above lists the brands Newtown Savings Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.