SC
SBA 7(a) franchise lending portfolio
St. Charles Bank & Trust Company, National Association
CRITICAL risk
- Total loans
- 18
- Loan volume
- $4.7M
- Avg loan size
- $259K
- Charge-off rate
- 42.9%
- vs 15.4% national avg
Defaults
3
Avg interest
7.34%
Franchises funded
10
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jersey Mike's | 4 | $1.3M | N/A |
| Candy Cloud | 3 | $1.4M | N/A |
| Edible Arrangements | 2 | $150K | 100.0% (very high risk) |
| MIKE More Miles | 2 | $549K | N/A |
| Modern Acupuncture | 2 | $350K | 0.0% (low risk) |
| Quiznos | 1 | $223K | 100.0% (very high risk) |
| Signs Now | 1 | $150K | 0.0% (low risk) |
| Matco Tools (rent Tools) | 1 | $187K | 0.0% (low risk) |
| Dairy Queen Operating Agreemen | 1 | $75K | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 1 | $245K | N/A |
Lending volume by year
1'03
1'07
1'11
2'16
1'19
2'20
1'22
1'23
4'24
3'25
1'26
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 St. Charles Bank & Trust Company, National Association originated?
- 18 loans totaling $4.7M. The portfolio carries a 42.9% 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 St. Charles Bank & Trust Company, National Association fund the most?
- The “Top franchise exposures” table above lists the brands St. Charles Bank & Trust Company, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.