OB
SBA 7(a) franchise lending portfolio
Opportunity Bank of Montana
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $2.6M
- Avg loan size
- $188K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.50%
Franchises funded
9
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| NAPA Auto Parts | 2 | $900K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $217K | 0.0% (low risk) |
| Taco Del Sol | 2 | $70K | 0.0% (low risk) |
| Taco Del Mar | 2 | $361K | 0.0% (low risk) |
| Jersey Mike's | 2 | $498K | N/A |
| Midas Muffler Shop | 1 | $274K | 0.0% (low risk) |
| Uniglobe Travel International | 1 | $40K | 0.0% (low risk) |
| Cartridge World | 1 | $130K | 0.0% (low risk) |
| Ilovekickboxing.com | 1 | $149K | 0.0% (low risk) |
Lending volume by year
2'94
1'96
1'97
1'04
1'06
1'13
1'14
2'15
1'16
1'17
1'21
1'22
Geographic exposure
140.0% (low risk)
Portfolio summary
Total funded$2.6M
Defaults0 of 14
Risk tierEXCELLENT
Avg rate5.50%
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 Opportunity Bank of Montana originated?
- 14 loans totaling $2.6M. 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 Opportunity Bank of Montana fund the most?
- The “Top franchise exposures” table above lists the brands Opportunity Bank of Montana has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.