OS
SBA 7(a) franchise lending portfolio
Old Second National Bank
EXCELLENT risk
- Total loans
- 20
- Loan volume
- $6.3M
- Avg loan size
- $316K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.15%
Franchises funded
19
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Carstar Automotive | 2 | $1.4M | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 1 | $264K | 0.0% (low risk) |
| Quiznos | 1 | $170K | 0.0% (low risk) |
| Karmelkorn | 1 | $50K | 0.0% (low risk) |
| Kentucky Fried Chicken | 1 | $100K | 0.0% (low risk) |
| Golf U.s.a. (retail Golf Equip | 1 | $207K | 0.0% (low risk) |
| Culver's Frozen Custard | 1 | $150K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $110K | 0.0% (low risk) |
| Great Wraps | 1 | $215K | 0.0% (low risk) |
| Elliott's Off-Broadway Deli | 1 | $85K | 0.0% (low risk) |
| Dunkin Donuts | 1 | $545K | 0.0% (low risk) |
| Option Care, Inc. | 1 | $134K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $80K | 0.0% (low risk) |
| Winestyles, Inc. | 1 | $150K | 0.0% (low risk) |
| Dairy Queen Frozen Treat Cente | 1 | $100K | 0.0% (low risk) |
| D-Bat | 1 | $1.1M | N/A |
| ServiceMaster | 1 | $399K | N/A |
| Play It Again Sports | 1 | $405K | N/A |
| Hounds Town USA | 1 | $650K | N/A |
Lending volume by year
1'92
1'94
3'95
1'96
1'98
2'00
2'01
2'02
2'04
1'17
1'21
1'22
1'23
1'24
Geographic exposure
200.0% (low risk)
Portfolio summary
Total funded$6.3M
Defaults0 of 20
Risk tierEXCELLENT
Avg rate8.15%
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 Old Second National Bank originated?
- 20 loans totaling $6.3M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Old Second National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Old Second National 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.