![Schertz Bank & Trust logo](https://cdn.brandfetch.io/schertzbankandtrust.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Schertz Bank & Trust
CRITICAL risk
- Total loans
- 13
- Loan volume
- $6.0M
- Avg loan size
- $462K
- Default 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% |
| Lenny's Sub Shop | 1 | $150K | 100.0% |
| Mail Boxes Etc. Usa | 1 | $130K | 0.0% |
| Precision Door Service | 1 | $150K | 0.0% |
| Packaging And Shipping Special | 1 | $135K | 100.0% |
| Quiznos | 1 | $165K | 0.0% |
| Fox's Pizza Den | 1 | $150K | 0.0% |
| New York Burrito Gourmet Wraps | 1 | $66K | 0.0% |
| Papa John's Pizza | 1 | $275K | 0.0% |
| Howard Johnson | 1 | $1.7M | — |
| Jimmy John's | 1 | $1.3M | 100.0% |
| Microtel Inn And Suites | 1 | $1.6M | — |
| Express Employment Professiona | 1 | $166K | — |
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%
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
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%).