TC
SBA 7(a) franchise lending portfolio
The Citizens National Bank of Bluffton
CRITICAL risk
- Total loans
- 11
- Loan volume
- $4.3M
- Avg loan size
- $388K
- Charge-off rate
- 25.0%
- vs 15.4% national avg
Defaults
2
Avg interest
5.90%
Franchises funded
11
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servicemaster | 1 | $74K | 0.0% (low risk) |
| Ben & Jerry's Ice Cream | 1 | $150K | 0.0% (low risk) |
| Church's Fried Chicken | 1 | $405K | 100.0% (very high risk) |
| Subway Sandwich Shop | 1 | $49K | 0.0% (low risk) |
| Goin' Postal | 1 | $50K | 0.0% (low risk) |
| Woodhouse Day Spa-Parkland (th | 1 | $614K | 0.0% (low risk) |
| Domino's Pizza | 1 | $100K | 100.0% (very high risk) |
| Allstate Insurance | 1 | $220K | 0.0% (low risk) |
| Woodhouse Day Spa / Woodhouse | 1 | $1.0M | N/A |
| Subway | 1 | $207K | N/A |
| Home Instead/Home Instead Seni | 1 | $1.4M | N/A |
Lending volume by year
1'99
1'00
1'04
1'07
3'08
1'11
1'18
1'22
1'25
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 Citizens National Bank of Bluffton originated?
- 11 loans totaling $4.3M. The portfolio carries a 25.0% charge-off rate, earning a “CRITICAL” 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 Citizens National Bank of Bluffton fund the most?
- The “Top franchise exposures” table above lists the brands The Citizens National Bank of Bluffton has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.