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SBA 7(a) franchise lending portfolio
Texas Regional Bank
CRITICAL risk
- Total loans
- 12
- Loan volume
- $4.3M
- Avg loan size
- $360K
- Default rate
- 20.0%
- vs 15.4% national avg
Defaults
2
Avg interest
5.91%
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Smoothie King | 4 | $988K | 0.0% |
| Merle Norman Cosmetics | 1 | $70K | 0.0% |
| Honest1 Auto Care (aka Honest | 1 | $248K | — |
| Fuzzy's Taco Shop | 1 | $450K | 0.0% |
| Baskin-Robbins | 1 | $140K | 0.0% |
| Minuteman Press | 1 | $105K | 0.0% |
| Bright Star Healthcare/Brights | 1 | $283K | 100.0% |
| Three Dog Bakery | 1 | $150K | 100.0% |
| Mellow Mushroom | 1 | $1.9M | — |
Lending volume by year
1'04
2'10
2'13
2'14
3'15
2'16
Geographic exposure
1220.0%
Portfolio summary
Total funded$4.3M
Defaults2 of 12
Risk tierCRITICAL
Avg rate5.91%
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%).