SY
SBA 7(a) franchise lending portfolio
Stock Yards Bank & Trust Company
Risk rating: Good
- Total loans
- 107
- Loan volume
- $44.6M
- Avg loan size
- $417K
- Charge-off rate
- 9.5%
- vs 16.0% national
Charged off
6
Avg interest
6.04%
Franchises funded
69
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Two Men and a Truck | 6 | $8.6M | N/A |
| Radio Shack | 5 | $275K | N/A |
| Subway | 5 | $1.1M | N/A |
| Zaxby's | 4 | $4.3M | N/A |
| Do it Best – Membership Agreem | 4 | $3.5M | N/A |
| Ritter's Frozen Custard | 3 | $404K | N/A |
| Mosquito Joe | 3 | $1.2M | N/A |
| Duck Donuts | 3 | $200K | N/A |
| Smash My Trash | 3 | $759K | N/A |
| Zoes Kitchen | 2 | $1.2M | N/A |
| Big League Barbers | 2 | $214K | N/A |
| Sky Zone Indoor Trampoline Par | 2 | $2.9M | N/A |
| Green District | 2 | $158K | N/A |
| Kumon Center | 2 | $53K | N/A |
| ServiceMaster | 2 | $316K | N/A |
| Stanley Steemer | 2 | $409K | N/A |
| Big O Tires | 2 | $450K | N/A |
| Allegra | 2 | $514K | N/A |
| Tapville Social | 2 | $314K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY1994 | 1 |
| FY1997 | 1 |
| FY1998 | 2 |
| FY2001 | 1 |
| FY2002 | 1 |
| FY2003 | 1 |
| FY2004 | 1 |
| FY2006 | 4 |
| FY2007 | 1 |
| FY2008 | 6 |
| FY2009 | 2 |
| FY2010 | 3 |
| FY2011 | 3 |
| FY2012 | 3 |
| FY2013 | 4 |
| FY2015 | 6 |
| FY2016 | 2 |
| FY2017 | 3 |
| FY2018 | 2 |
| FY2019 | 7 |
| FY2020 | 9 |
| FY2021 | 14 |
| FY2022 | 5 |
| FY2023 | 5 |
| FY2024 | 9 |
| FY2025 | 10 |
SBA 7(a) · charge-off rate by approval year
Stock Yards Bank & Trust Company charge-off rate by loan vintage
None of these 12 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2006 | 4 | 2 | Too few |
| 2008 | 6 | 0 | Too few |
| 2010 | 3 | 0 | Too few |
| 2011 | 3 | 0 | Too few |
| 2012 | 3 | 0 | Too few |
| 2013 | 4 | 0 | Too few |
| 2015 | 6 | 0 | Too few |
| 2017 | 3 | 0 | Too few |
| 2019 | 5 | 0 | Too few |
| 2020 | 3 | 0 | Too early |
| 2021 | 6 | 1 | Too early |
| 2022 | 3 | 1 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
6613.6% (average)
230.0% (excellent)
140.0% (excellent)
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$44.6M
Charged off6 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Stock Yards Bank & Trust Company's rate of 9.5% is below the national rate.
- 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.