SB
SBA 7(a) franchise lending portfolio
Schertz Bank & Trust
CRITICAL risk
- Total loans
- 13
- Loan volume
- $6.0M
- Avg loan size
- $462K
- Charge-off rate
- 30.0%
- vs 15.4% national avg
Defaults
3
Avg interest
6.20%
Franchises funded
13
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Schoop's Hamburgers | 1 | $23K | 0.0% (low risk) |
| Lenny's Sub Shop | 1 | $150K | 100.0% (very high risk) |
| Mail Boxes Etc. Usa | 1 | $130K | 0.0% (low risk) |
| Precision Door Service | 1 | $150K | 0.0% (low risk) |
| Packaging And Shipping Special | 1 | $135K | 100.0% (very high risk) |
| Quiznos | 1 | $165K | 0.0% (low risk) |
| Fox's Pizza Den | 1 | $150K | 0.0% (low risk) |
| New York Burrito Gourmet Wraps | 1 | $66K | 0.0% (low risk) |
| Papa John's Pizza | 1 | $275K | 0.0% (low risk) |
| Howard Johnson | 1 | $1.7M | N/A |
| Jimmy John's | 1 | $1.3M | 100.0% (very high risk) |
| Microtel Inn And Suites | 1 | $1.6M | N/A |
| Express Employment Professiona | 1 | $166K | N/A |
Lending volume by year
1'96
1'02
1'04
1'05
2'06
2'07
1'12
2'13
1'17
1'20
Geographic exposure
1330.0% (very high risk)
Portfolio summary
Total funded$6.0M
Defaults3 of 13
Risk tierCRITICAL
Avg rate6.20%
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 Schertz Bank & Trust originated?
- 13 loans totaling $6.0M. The portfolio carries a 30.0% charge-off rate, earning a “CRITICAL” 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 Schertz Bank & Trust fund the most?
- The “Top franchise exposures” table above lists the brands Schertz Bank & 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.