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FranchiseVerdict

SBA 7(a) franchise lending portfolio

The Central Trust Bank

Risk rating: Average
Total loans
265
Loan volume
$53.4M
Avg loan size
$201K
Charge-off rate
13.5%
vs 16.0% national

Charged off

34

Avg interest

5.64%

Franchises funded

143

Risk rating

Average

Top franchise exposures

FranchiseLoansVolumeCharge-off %
Subway Sandwich Shop34$7.1M0.0% (excellent)
Sports Clips10$1.3M0.0% (excellent)
Mail Boxes Etc. Usa10$1.1M0.0% (excellent)
Anytime Fitness7$2.0MN/A
Little Ceasar's Pizza6$559KN/A
Fortel's Pizza Den6$970KN/A
Cornwell Quality Tool Company,5$274KN/A
Pasta Express4$205KN/A
Mr. Goodcents Sub' And Pasta4$710KN/A
Fazoli's (italian Restaurant)4$1.2MN/A
Camille's Sidewalk Cafe4$1.4MN/A
Liberty Tax Service4$210KN/A
Servpro3$395KN/A
Sylvan Learning Center3$320KN/A
Midas Muffler Shop3$1.2MN/A
Social Suppers3$215KN/A
Smoothie King3$912KN/A
Pickleman's Gourmet Café3$780KN/A

SBA 7(a) · charge-off rate by approval year

The Central Trust Bank: below all franchise loans in 8 of 12 rated years

The Central Trust Bank: below all franchise loans in 8 of 12 rated yearsThe Central Trust Bank charge-off rate by loan vintage. 27 approval years, 1993 to 2021; the 12 with at least 10 resolved loans are plotted, against all franchise loans approved the same year. Their rates run from 5.9% to 28.6%.

Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.

Show the numbers by year
YearResolvedCharged offRate
199332Too few
199440Too few
19951119.1%
199661Too few
199710220.0%
199840Too few
199991Too few
200071Too few
200114428.6%
20021317.7%
200316212.5%
200413323.1%
20051715.9%
200618316.7%
20071119.1%
200882Too few
200971Too few
20101317.7%
201170Too few
201210110.0%
201340Too few
201461Too few
201541Too few
20161119.1%
201780Too few
201871Too few
202130Too early

Dashed line: all franchise 7(a) loans approved the same year.

Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.

Geographic exposure

Missouri
19711.9% (average)
Oklahoma
3828.9% (high risk)
Kansas
215.0% (good)
Arkansas
2N/A
Iowa
2N/A
Kentucky
2N/A
Illinois
1N/A
Nebraska
1N/A
Wyoming
1N/A

Portfolio summary

Total funded$53.4M
Charged off34 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. The Central Trust Bank's rate of 13.5% is below the national rate.
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.