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SBA 7(a) franchise lending portfolio
Stock Yards Bank & Trust Company
GOOD risk
- Total loans
- 107
- Loan volume
- $44.6M
- Avg loan size
- $417K
- Default 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% |
| Radio Shack | 5 | $275K | 0.0% |
| Zaxby's | 4 | $4.3M | 0.0% |
| Do it Best – Membership Agreem | 4 | $3.5M | — |
| Subway | 3 | $847K | 0.0% |
| Ritter's Frozen Custard | 3 | $404K | — |
| Mosquito Joe | 3 | $1.2M | — |
| Duck Donuts | 3 | $200K | 66.7% |
| Smash My Trash | 3 | $759K | 0.0% |
| Subway Sandwich Shop | 2 | $295K | 0.0% |
| Zoes Kitchen | 2 | $1.2M | 0.0% |
| Big League Barbers | 2 | $214K | 0.0% |
| Sky Zone Indoor Trampoline Par | 2 | $2.9M | 0.0% |
| Green District | 2 | $158K | 0.0% |
| Kumon Center | 2 | $53K | 0.0% |
| ServiceMaster | 2 | $316K | — |
| Stanley Steemer | 2 | $409K | 0.0% |
| Big O Tires | 2 | $450K | — |
| Allegra | 2 | $514K | — |
| Tapville Social | 2 | $314K | — |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
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
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%).