SB
SBA 7(a) franchise lending portfolio
Security Bank & Trust Company
CRITICAL risk
- Total loans
- 13
- Loan volume
- $3.9M
- Avg loan size
- $298K
- Charge-off rate
- 25.0%
- vs 15.4% national avg
Defaults
3
Avg interest
6.12%
Franchises funded
12
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Do It Best Hardware | 2 | $443K | 0.0% (low risk) |
| Ben Franklin Store | 1 | $395K | 0.0% (low risk) |
| Matco Tools (rent Tools) | 1 | $50K | 0.0% (low risk) |
| Tires Plus | 1 | $261K | 0.0% (low risk) |
| NAPA Auto Parts | 1 | $110K | 0.0% (low risk) |
| Coast-To-Coast Store | 1 | $268K | 0.0% (low risk) |
| Sylvan Learning Center | 1 | $245K | 100.0% (very high risk) |
| Mgm Liquor | 1 | $564K | 0.0% (low risk) |
| Dairy Queen | 1 | $340K | 0.0% (low risk) |
| Dairy Queen Frozen Treat Cente | 1 | $264K | 100.0% (very high risk) |
| Precision Tune | 1 | $254K | 100.0% (very high risk) |
| Discover Strength | 1 | $680K | N/A |
Lending volume by year
1'93
1'97
1'98
2'99
1'07
1'09
3'10
1'11
1'12
1'25
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 Security Bank & Trust Company originated?
- 13 loans totaling $3.9M. The portfolio carries a 25.0% 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 Security Bank & Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands Security Bank & Trust Company has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.