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SBA 7(a) franchise lending portfolio
The Bank of Missouri
CRITICAL risk
- Total loans
- 79
- Loan volume
- $27.4M
- Avg loan size
- $346K
- Default rate
- 21.5%
- vs 15.4% national avg
Defaults
14
Avg interest
6.12%
Franchises funded
56
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jimmy John's | 5 | $1.7M | 0.0% |
| Orange Leaf Frozen Yogurt | 5 | $1.6M | 100.0% |
| Bright Star Healthcare/Brights | 3 | $457K | 0.0% |
| Parlor Doughnuts | 3 | $1.2M | — |
| Anytime Fitness | 2 | $80K | 0.0% |
| Mcalister's Gourmet Deli | 2 | $513K | 0.0% |
| Great Clips | 2 | $287K | 0.0% |
| Wings Etc. | 2 | $2.1M | 0.0% |
| Arby's | 2 | $525K | 0.0% |
| The Glass Guru | 2 | $91K | 0.0% |
| Snap Fitness | 2 | $422K | 0.0% |
| America's Incredible Pizza Com | 2 | $618K | 0.0% |
| Chem-Dry | 2 | $190K | 0.0% |
| Culver's | 2 | $2.8M | 0.0% |
| Arby's | 2 | $914K | 0.0% |
| Quizno's Subs | 1 | $155K | 100.0% |
| Snap-On-Tools | 1 | $166K | 0.0% |
| Sunshine Pack & Ship | 1 | $75K | 0.0% |
| Quiznos | 1 | $130K | 100.0% |
| Jenny Craig Weight Loss Center | 1 | $150K | 0.0% |
Lending volume by year
1'00
1
2
1
2
2'07
3
2
1
5
13'14
8
8
10
5
2'19
1
2
4
3
2'24
1'25
The Bank of Missouri 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%).