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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
- Default 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 | — |
| Candy Cloud | 3 | $1.4M | — |
| Edible Arrangements | 2 | $150K | 100.0% |
| MIKE More Miles | 2 | $549K | — |
| Modern Acupuncture | 2 | $350K | 0.0% |
| Quiznos | 1 | $223K | 100.0% |
| Signs Now | 1 | $150K | 0.0% |
| Matco Tools (rent Tools) | 1 | $187K | 0.0% |
| Dairy Queen Operating Agreemen | 1 | $75K | 0.0% |
| The UPS Store (f/k/a Mail Box | 1 | $245K | — |
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
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%).