SY
SBA 7(a) franchise lending portfolio
Stock Yards Bank & Trust Company
GOOD risk
- Total loans
- 107
- Loan volume
- $44.6M
- Avg loan size
- $417K
- Charge-off rate
- 9.5%
- vs 15.4% national avg
Defaults
6
Avg interest
6.04%
Franchises funded
69
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Two Men and a Truck | 6 | $8.6M | 0.0% (low risk) |
| Radio Shack | 5 | $275K | 0.0% (low risk) |
| Zaxby's | 4 | $4.3M | 0.0% (low risk) |
| Do it Best – Membership Agreem | 4 | $3.5M | N/A |
| Subway | 3 | $847K | 0.0% (low risk) |
| Ritter's Frozen Custard | 3 | $404K | N/A |
| Mosquito Joe | 3 | $1.2M | N/A |
| Duck Donuts | 3 | $200K | 66.7% (very high risk) |
| Smash My Trash | 3 | $759K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $295K | 0.0% (low risk) |
| Zoes Kitchen | 2 | $1.2M | 0.0% (low risk) |
| Big League Barbers | 2 | $214K | 0.0% (low risk) |
| Sky Zone Indoor Trampoline Par | 2 | $2.9M | 0.0% (low risk) |
| Green District | 2 | $158K | 0.0% (low risk) |
| Kumon Center | 2 | $53K | 0.0% (low risk) |
| ServiceMaster | 2 | $316K | N/A |
| Stanley Steemer | 2 | $409K | 0.0% (low risk) |
| Big O Tires | 2 | $450K | N/A |
| Allegra | 2 | $514K | N/A |
| Tapville Social | 2 | $314K | N/A |
Lending volume by year
1'92
1
1
2
1
1'02
1
1
4
1
6'08
2
3
3
3
4'13
6
2
3
2
7'19
9
14
5
5
9'24
10'25
Stock Yards Bank & Trust Company charge-off rate by loan vintage
BrandNational avg
Geographic exposure
6613.6% (elevated risk)
230.0% (low risk)
140.0% (low risk)
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$44.6M
Defaults6 of 107
Risk tierGOOD
Avg rate6.04%
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 Stock Yards Bank & Trust Company originated?
- 107 loans totaling $44.6M. The portfolio carries a 9.5% charge-off rate, earning a “GOOD” 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 Stock Yards Bank & Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands Stock Yards 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.