TC
SBA 7(a) franchise lending portfolio
The Central Trust Bank
AVERAGE risk
- Total loans
- 265
- Loan volume
- $53.4M
- Avg loan size
- $201K
- Charge-off rate
- 13.5%
- vs 15.4% national avg
Defaults
34
Avg interest
5.64%
Franchises funded
143
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 34 | $7.1M | 0.0% (low risk) |
| Sports Clips | 10 | $1.3M | 0.0% (low risk) |
| Little Ceasar's Pizza | 6 | $559K | 0.0% (low risk) |
| Fortel's Pizza Den | 6 | $970K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 5 | $358K | 0.0% (low risk) |
| Cornwell Quality Tool Company, | 5 | $274K | 100.0% (very high risk) |
| The UPS Store | 5 | $744K | 0.0% (low risk) |
| Pasta Express | 4 | $205K | 50.0% (very high risk) |
| Mr. Goodcents Sub' And Pasta | 4 | $710K | 25.0% (very high risk) |
| Fazoli's (italian Restaurant) | 4 | $1.2M | 0.0% (low risk) |
| Camille's Sidewalk Cafe | 4 | $1.4M | 50.0% (very high risk) |
| Anytime Fitness | 4 | $1.2M | 0.0% (low risk) |
| Liberty Tax Service | 4 | $210K | 0.0% (low risk) |
| Servpro | 3 | $395K | 0.0% (low risk) |
| Sylvan Learning Center | 3 | $320K | 0.0% (low risk) |
| Midas Muffler Shop | 3 | $1.2M | 33.3% (very high risk) |
| Social Suppers | 3 | $215K | 0.0% (low risk) |
| Anytime Fitness | 3 | $867K | 0.0% (low risk) |
| Smoothie King | 3 | $912K | 0.0% (low risk) |
| Pickleman's Gourmet Café | 3 | $780K | 0.0% (low risk) |
Lending volume by year
2'92
3
4
11
6
10'97
4
9
7
14
13'02
16
13
17
18
11'07
8
7
13
7
10'12
4
6
4
13
8'17
7
2
2
8
4'22
1
1
2'26
The Central Trust Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$53.4M
Defaults34 of 265
Risk tierAVERAGE
Avg rate5.64%
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 The Central Trust Bank originated?
- 265 loans totaling $53.4M. The portfolio carries a 13.5% charge-off rate, earning a “AVERAGE” 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 The Central Trust Bank fund the most?
- The “Top franchise exposures” table above lists the brands The Central Trust Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.