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SBA 7(a) franchise lending portfolio
Texas Security Bank
EXCELLENT risk
- Total loans
- 15
- Loan volume
- $12.1M
- Avg loan size
- $809K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.87%
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The Original Pancake House | 2 | $1.8M | 0.0% |
| Hotworx | 2 | $600K | — |
| Bahama Buck's Original Shaved | 2 | $1.8M | — |
| Kiddie Academy | 2 | $517K | 0.0% |
| Yamaha Sales Center | 1 | $800K | 0.0% |
| Floss | 1 | $708K | 0.0% |
| Dairy Queen Grill & Chill/Texa | 1 | $3.8M | 0.0% |
| Craters & Freighters | 1 | $500K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 1 | $110K | 0.0% |
| 1-800-Got-Junk? | 1 | $324K | 0.0% |
| Subway | 1 | $1.2M | 0.0% |
Lending volume by year
1'11
1'13
2'15
2'16
2'17
2'20
1'21
2'22
2'23
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%).