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SBA 7(a) franchise lending portfolio
Sentry Bank
GOOD risk
- Total loans
- 12
- Loan volume
- $2.6M
- Avg loan size
- $214K
- Default rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.69%
Franchises funded
9
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 2 | $1.0M | 50.0% |
| Fantastic Sam's | 2 | $575K | 0.0% |
| Pizza Ranch | 2 | $230K | 0.0% |
| Cost Cutter Family Hair Care | 1 | $55K | 0.0% |
| Taco John's | 1 | $102K | 0.0% |
| Comfort Keepers | 1 | $70K | 0.0% |
| Ace Hardware | 1 | $150K | 0.0% |
| Apricot Lane | 1 | $162K | 0.0% |
| Country Visions | 1 | $225K | 0.0% |
Lending volume by year
1'04
1'06
3'07
1'08
2'09
1'12
2'13
1'17
Geographic exposure
128.3%
Portfolio summary
Total funded$2.6M
Defaults1 of 12
Risk tierGOOD
Avg rate5.69%
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%).