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SBA 7(a) franchise lending portfolio
Peoples Bank and Trust Company
EXCELLENT risk
- Total loans
- 33
- Loan volume
- $26.3M
- Avg loan size
- $796K
- Default rate
- 4.5%
- vs 15.4% national avg
Defaults
1
Avg interest
5.71%
Franchises funded
22
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Simple Simon's Pizza | 8 | $2.8M | 0.0% |
| Simple Simon's Pizza | 3 | $227K | 0.0% |
| Culligan Soft Water Service | 2 | $1.5M | 0.0% |
| Papa Murphy's Take & Bake Pizz | 2 | $359K | 0.0% |
| Baskin-Robbins 31 Ice Cream | 1 | $40K | 0.0% |
| Schwinn Cyclery | 1 | $136K | 0.0% |
| Ace Hardware | 1 | $1.1M | 0.0% |
| Servicemaster | 1 | $107K | 0.0% |
| Muscle Maker Grill | 1 | $160K | 0.0% |
| Americas Best Value Inn (f/K/A | 1 | $760K | 0.0% |
| Little Ceasar's Pizza | 1 | $264K | 0.0% |
| Holiday Inn | 1 | $3.3M | 0.0% |
| Holiday Inn Express/Holiday In | 1 | $3.8M | — |
| Crave Hot Dogs and BBQ | 1 | $299K | — |
| Cheezies | 1 | $83K | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 1 | $4.0M | 0.0% |
| Mooyah | 1 | $345K | 0.0% |
| La Quinta Inn | 1 | $3.5M | 100.0% |
| Robeks Juice | 1 | $212K | 0.0% |
| Postal Annex+ | 1 | $170K | 0.0% |
Lending volume by year
1'93
1'95
1'02
1'03
1'05
1'08
1'09
1'10
1'11
1'12
2'13
5'14
3'15
1'16
1'18
2'19
3'20
5'21
1'23
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%).