SB
SBA 7(a) franchise lending portfolio
Stockman Bank of Montana
GOOD risk
- Total loans
- 40
- Loan volume
- $8.6M
- Avg loan size
- $215K
- Charge-off 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% (elevated risk) |
| Culligan Soft Water Service | 2 | $282K | 0.0% (low risk) |
| Kentucky Fried Chicken | 2 | $480K | 0.0% (low risk) |
| Dairy Queen | 2 | $515K | 0.0% (low risk) |
| A & W Restaurant | 2 | $270K | 0.0% (low risk) |
| Servpro | 2 | $92K | 0.0% (low risk) |
| Days Inn | 1 | $648K | 0.0% (low risk) |
| Taco John's | 1 | $70K | 0.0% (low risk) |
| Super 8 Motel | 1 | $750K | 0.0% (low risk) |
| Junga Juice, Inc. | 1 | $100K | 100.0% (very high risk) |
| Midas Muffler Shop | 1 | $1.3M | 0.0% (low risk) |
| Sign-A-Rama | 1 | $66K | 0.0% (low risk) |
| Matco Tools (rent Tools) | 1 | $67K | 0.0% (low risk) |
| Candy Bouquet | 1 | $25K | 0.0% (low risk) |
| Glass Doctor | 1 | $388K | 0.0% (low risk) |
| Exxon | 1 | $350K | 0.0% (low risk) |
| The Blind Man | 1 | $50K | 0.0% (low risk) |
| Mad Science Group, The | 1 | $33K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $128K | 0.0% (low risk) |
| Popeyes Louisiana Kitchen | 1 | $265K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
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 Stockman Bank of Montana originated?
- 40 loans totaling $8.6M. The portfolio carries a 8.1% 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 Stockman Bank of Montana fund the most?
- The “Top franchise exposures” table above lists the brands Stockman Bank of Montana has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.