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SBA 7(a) franchise lending portfolio
Plumas Bank
EXCELLENT risk
- Total loans
- 137
- Loan volume
- $96.1M
- Avg loan size
- $701K
- Default rate
- 1.3%
- vs 15.4% national avg
Defaults
1
Avg interest
6.28%
Franchises funded
92
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dutch Bros. | 7 | $7.6M | 0.0% |
| Little Caesar Pizza | 5 | $1.1M | 0.0% |
| Round Table Pizza | 4 | $1.4M | 0.0% |
| Cold Stone Creamery | 4 | $1.2M | 0.0% |
| Papa Murphy's Take 'N' Bake Pi | 4 | $1.4M | 0.0% |
| Pizza Factory | 3 | $677K | 0.0% |
| Huckleberry's | 3 | $1.8M | — |
| Valero | 3 | $1.9M | 0.0% |
| Dutch Bros. Coffee | 3 | $1.1M | 0.0% |
| SC Fuels - Southern Counties O | 3 | $3.8M | — |
| Anytime Fitness | 2 | $996K | 0.0% |
| Chevron (gas Station) | 2 | $5.1M | 0.0% |
| Chevron - Retail Supply Contra | 2 | $3.9M | 0.0% |
| Ampm Mini Market- Arco | 2 | $2.2M | 0.0% |
| Little Ceasar's Pizza | 2 | $310K | 0.0% |
| Papa Murphy's | 2 | $644K | — |
| Edible Arrangements | 2 | $480K | 0.0% |
| Sweethoney Dessert | 2 | $708K | 0.0% |
| Shell Service Station | 2 | $1.3M | 0.0% |
| MAACO | 2 | $739K | 100.0% |
Lending volume by year
1'03
1
1
1
1
3'10
4
5
3
13
8'15
16
10
16
11
7'20
16
6
3
5
4'25
2'26
Plumas Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$96.1M
Defaults1 of 137
Risk tierEXCELLENT
Avg rate6.28%
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%).