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SBA 7(a) franchise lending portfolio
Orrstown Bank
ELEVATED risk
- Total loans
- 19
- Loan volume
- $16.6M
- Avg loan size
- $873K
- Default rate
- 16.7%
- vs 15.4% national avg
Defaults
2
Avg interest
6.92%
Franchises funded
15
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Kiddie Academy | 3 | $9.9M | 0.0% |
| Rita's Real Italian Water Ice | 2 | $250K | 50.0% |
| Premier Rental-Purchase | 2 | $490K | 0.0% |
| Merle Norman Cosmetics | 1 | $38K | 0.0% |
| Anytime Fitness | 1 | $350K | 100.0% |
| Econo Lodge by Choice Hotels/E | 1 | $1.2M | 0.0% |
| The UPS Store | 1 | $170K | 0.0% |
| Fuddruckers | 1 | $330K | 0.0% |
| Red Roof Inn | 1 | $2.4M | 0.0% |
| Premier Rental-Purchase | 1 | $50K | 0.0% |
| SportClips | 1 | $125K | — |
| The Goddard School | 1 | $288K | — |
| Subway | 1 | $245K | — |
| Cold Stone Creamery | 1 | $548K | — |
| PuroClean | 1 | $234K | — |
Lending volume by year
1'00
1'01
1'03
4'17
5'18
1'19
1'22
3'23
1'25
1'26
Geographic exposure
1414.3%
520.0%
Portfolio summary
Total funded$16.6M
Defaults2 of 19
Risk tierELEVATED
Avg rate6.92%
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%).