PS
SBA 7(a) franchise lending portfolio
Prairie State Bank and Trust
AVERAGE risk
- Total loans
- 11
- Loan volume
- $3.3M
- Avg loan size
- $302K
- Charge-off rate
- 10.0%
- vs 15.4% national avg
Defaults
1
Avg interest
5.26%
Franchises funded
4
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 5 | $535K | 0.0% (low risk) |
| Subway | 3 | $1.6M | 0.0% (low risk) |
| Jiffy Lube | 2 | $855K | 0.0% (low risk) |
| Subway | 1 | $338K | 100.0% (very high risk) |
Lending volume by year
1'99
1'03
5'11
2'12
1'13
1'15
Geographic exposure
1110.0% (elevated risk)
Portfolio summary
Total funded$3.3M
Defaults1 of 11
Risk tierAVERAGE
Avg rate5.26%
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 Prairie State Bank and Trust originated?
- 11 loans totaling $3.3M. The portfolio carries a 10.0% charge-off rate, earning a “AVERAGE” 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 Prairie State Bank and Trust fund the most?
- The “Top franchise exposures” table above lists the brands Prairie State Bank and Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.