TF
SBA 7(a) franchise lending portfolio
The Farmers Bank, Frankfort, Indiana
GOOD risk
- Total loans
- 28
- Loan volume
- $14.9M
- Avg loan size
- $532K
- Charge-off rate
- 7.7%
- vs 15.4% national avg
Defaults
1
Avg interest
5.89%
Franchises funded
19
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Fastsigns | 4 | $2.3M | N/A |
| Star Midwest Petroleum Inc. - | 3 | $659K | 0.0% (low risk) |
| Hometeam Inspection Service, I | 2 | $79K | 0.0% (low risk) |
| Navis Pack & Ship (Commercial | 2 | $153K | N/A |
| Play It Again Sports | 2 | $400K | N/A |
| Floor Coverings International | 2 | $250K | N/A |
| Quiznos | 1 | $140K | 0.0% (low risk) |
| Rainbow International Corporat | 1 | $100K | 100.0% (very high risk) |
| Cafe La France | 1 | $143K | 0.0% (low risk) |
| Choice Hotels International In | 1 | $3.5M | 0.0% (low risk) |
| Pepe's Tacos | 1 | $85K | 0.0% (low risk) |
| La Quinta Inn | 1 | $3.2M | 0.0% (low risk) |
| Jimmy John's | 1 | $392K | 0.0% (low risk) |
| Shredder Indoor Ski and Snowbo | 1 | $425K | N/A |
| Monster Tree Service | 1 | $348K | 0.0% (low risk) |
| Biggby Coffee | 1 | $322K | N/A |
| Empire Petroleum Partners - Pe | 1 | $615K | N/A |
| Good Oil Company, Inc. (BP) Co | 1 | $765K | N/A |
| Pirtek | 1 | $978K | N/A |
Lending volume by year
1'03
3'09
3'13
1'15
1'16
2'18
3'20
6'21
3'22
2'23
2'24
1'26
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 Farmers Bank, Frankfort, Indiana originated?
- 28 loans totaling $14.9M. The portfolio carries a 7.7% charge-off rate, earning a “GOOD” 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 Farmers Bank, Frankfort, Indiana fund the most?
- The “Top franchise exposures” table above lists the brands The Farmers Bank, Frankfort, Indiana has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.