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SBA 7(a) franchise lending portfolio
TBK Bank, SSB
ELEVATED risk
- Total loans
- 31
- Loan volume
- $8.8M
- Avg loan size
- $285K
- Default rate
- 16.7%
- vs 15.4% national avg
Defaults
5
Avg interest
6.40%
Franchises funded
23
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| NAPA Auto Parts | 3 | $1.7M | 0.0% |
| Western Sizzlin Steak House | 2 | $1.3M | 50.0% |
| H & R Block | 2 | $510K | 0.0% |
| Max Muscle | 2 | $165K | 0.0% |
| Sears Catalog Store | 2 | $705K | 100.0% |
| Premier Rental Purchase | 2 | $780K | 50.0% |
| Pierced? | 2 | $100K | 50.0% |
| Century 21 | 1 | $350K | 0.0% |
| Rocky Mountain Chocolate Facto | 1 | $100K | 0.0% |
| True Value Hardware | 1 | $125K | 0.0% |
| Remax | 1 | $60K | 0.0% |
| Advanced Laser Clinic | 1 | $122K | 0.0% |
| Quiznos | 1 | $100K | 0.0% |
| Curves For Women | 1 | $122K | 0.0% |
| Quik Internet Of Northwest Tex | 1 | $40K | 0.0% |
| New Horizon Computer Learning | 1 | $110K | 0.0% |
| Pirtek | 1 | $350K | 0.0% |
| Fsbohomes | 1 | $175K | 0.0% |
| Rudy's Taco | 1 | $695K | 0.0% |
| Jersey Mike's (deli Restaurant | 1 | $250K | 0.0% |
Lending volume by year
1'92
1
1
1
1
1'98
1
1
1
2
4'05
1
2
3
2
1'13
2
2
1
1
1'23
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%).