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SBA 7(a) franchise lending portfolio
St. Mary's Bank
AVERAGE risk
- Total loans
- 11
- Loan volume
- $2.0M
- Avg loan size
- $180K
- Default rate
- 14.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.58%
Franchises funded
9
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Zoo Health Club/Blitz 45 Funct | 2 | $1.2M | — |
| CertaPro Painters | 2 | $225K | 0.0% |
| Mr. Appliance Of Central Texas | 1 | $15K | 0.0% |
| Make And Take Gourmet | 1 | $50K | 100.0% |
| Mr. Appliance | 1 | $35K | 0.0% |
| Midas Muffler Shop | 1 | $65K | 0.0% |
| Ace Hardware | 1 | $83K | — |
| btone FITNESS | 1 | $184K | — |
| Playa Bowls | 1 | $150K | 0.0% |
Lending volume by year
1'07
1'08
2'13
2'20
2'22
1'23
1'25
1'26
Geographic exposure
1114.3%
Portfolio summary
Total funded$2.0M
Defaults1 of 11
Risk tierAVERAGE
Avg rate5.58%
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%).