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SBA 7(a) franchise lending portfolio
RCB Bank
CRITICAL risk
- Total loans
- 32
- Loan volume
- $7.6M
- Avg loan size
- $236K
- Default rate
- 21.9%
- vs 15.4% national avg
Defaults
7
Avg interest
5.08%
Franchises funded
27
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Best Western Inn | 2 | $1.4M | 0.0% |
| Dairy Queen | 2 | $531K | 50.0% |
| Papa Murphy's Take & Bake Pizz | 2 | $275K | 0.0% |
| Kentucky Fried Chicken | 2 | $1.3M | 0.0% |
| Daylight Donut Shop | 2 | $191K | 0.0% |
| Coast-To-Coast Store | 1 | $228K | 0.0% |
| Golf U.s.a. (retail Golf Equip | 1 | $136K | 0.0% |
| Matco Tools (rent Tools) | 1 | $42K | 0.0% |
| Quik Print | 1 | $140K | 0.0% |
| Culligan Soft Water Service | 1 | $132K | 0.0% |
| Temporary Franchises | 1 | $135K | 0.0% |
| Econo Lodge Motel | 1 | $510K | 0.0% |
| Days Inn | 1 | $686K | 0.0% |
| True Value Hardware | 1 | $265K | 0.0% |
| Subway Sandwich Shop | 1 | $160K | 0.0% |
| Line-X | 1 | $100K | 0.0% |
| Blimpie | 1 | $33K | 0.0% |
| Cleaning Authority (the) | 1 | $90K | 100.0% |
| Kwik-Kopy | 1 | $115K | 100.0% |
| Packaging And Shipping Special | 1 | $150K | 100.0% |
Lending volume by year
3'92
1'93
4'94
2'95
1'96
1'97
1'99
4'00
1'02
4'03
3'04
4'05
1'11
1'12
1'21
RCB Bank default rate by loan vintage
BrandNational avg
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%).