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SBA 7(a) franchise lending portfolio
Stockman Bank of Montana
GOOD risk
- Total loans
- 40
- Loan volume
- $8.6M
- Avg loan size
- $215K
- Default rate
- 8.1%
- vs 15.4% national avg
Defaults
3
Avg interest
5.60%
Franchises funded
29
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Radio Shack | 7 | $771K | 14.3% |
| Culligan Soft Water Service | 2 | $282K | 0.0% |
| Kentucky Fried Chicken | 2 | $480K | 0.0% |
| Dairy Queen | 2 | $515K | 0.0% |
| A & W Restaurant | 2 | $270K | 0.0% |
| Servpro | 2 | $92K | 0.0% |
| Days Inn | 1 | $648K | 0.0% |
| Taco John's | 1 | $70K | 0.0% |
| Super 8 Motel | 1 | $750K | 0.0% |
| Junga Juice, Inc. | 1 | $100K | 100.0% |
| Midas Muffler Shop | 1 | $1.3M | 0.0% |
| Sign-A-Rama | 1 | $66K | 0.0% |
| Matco Tools (rent Tools) | 1 | $67K | 0.0% |
| Candy Bouquet | 1 | $25K | 0.0% |
| Glass Doctor | 1 | $388K | 0.0% |
| Exxon | 1 | $350K | 0.0% |
| The Blind Man | 1 | $50K | 0.0% |
| Mad Science Group, The | 1 | $33K | 0.0% |
| Subway Sandwich Shop | 1 | $128K | 0.0% |
| Popeyes Louisiana Kitchen | 1 | $265K | 0.0% |
Lending volume by year
1'92
1'93
2'94
1'96
1'97
1'98
1'00
3'02
4'03
1'04
2'05
4'06
3'07
3'09
2'12
4'13
1'14
1'16
2'20
2'21
Stockman Bank of Montana default rate by loan vintage
BrandNational avg
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%).