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SBA 7(a) franchise lending portfolio
RiverHills Bank
CRITICAL risk
- Total loans
- 12
- Loan volume
- $6.1M
- Avg loan size
- $511K
- Default rate
- 25.0%
- vs 15.4% national avg
Defaults
2
Avg interest
6.03%
Franchises funded
10
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin Donuts | 2 | $312K | 0.0% |
| Quaker Steak And Lube | 2 | $1.3M | 0.0% |
| Marco's Pizza | 1 | $162K | 0.0% |
| Ace Hardware | 1 | $350K | 100.0% |
| Gold Star Chili, Inc. | 1 | $865K | 100.0% |
| Bp Express | 1 | $640K | 0.0% |
| DQ Grill & Chill Operating Agr | 1 | $563K | — |
| RockBox Fitness | 1 | $263K | — |
| Dairy Queen of Mid Ohio Inc. - | 1 | $811K | — |
| Lykins Oil Company | 1 | $868K | — |
Lending volume by year
1'07
3'08
2'09
1'10
1'14
1'21
1'22
2'23
Geographic exposure
Portfolio summary
Total funded$6.1M
Defaults2 of 12
Risk tierCRITICAL
Avg rate6.03%
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%).