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SBA 7(a) franchise lending portfolio
The First National Bank of Tom Bean
AVERAGE risk
- Total loans
- 31
- Loan volume
- $13.4M
- Avg loan size
- $432K
- Default rate
- 13.6%
- vs 15.4% national avg
Defaults
3
Avg interest
6.31%
Franchises funded
30
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Tea2Go | 2 | $1.0M | 0.0% |
| Wingstop | 1 | $310K | 0.0% |
| Home Care Assistance 1-866-4-L | 1 | $368K | 0.0% |
| Mooyah Burgers & Fries | 1 | $599K | 0.0% |
| Enviro-Master Services | 1 | $125K | — |
| 1000 Degrees Pizzeria | 1 | $231K | 100.0% |
| Adventure Kids Playcare | 1 | $306K | — |
| Anytime Fitness | 1 | $464K | 0.0% |
| Chicken Express | 1 | $351K | 0.0% |
| Big Frog Custom T-Shirts | 1 | $148K | — |
| 7Spice Burgers and Wraps | 1 | $341K | 0.0% |
| Urban Air Trampoline Park | 1 | $4.1M | 0.0% |
| Erbert & Gerbert's Subs & Club | 1 | $150K | 100.0% |
| Service Team Of Professionals | 1 | $127K | 0.0% |
| Batteries Plus Bulbs | 1 | $192K | 0.0% |
| Parisi Speed School | 1 | $133K | 0.0% |
| Visiting Angels | 1 | $460K | — |
| Mr. Handyman | 1 | $149K | 0.0% |
| Liberty Tax Service | 1 | $260K | 0.0% |
| Dental Fix Rx | 1 | $103K | — |
Lending volume by year
2'14
4'15
17'16
6'17
2'18
The First National Bank of Tom Bean default rate by loan vintage
BrandNational avg
Geographic exposure
216.2%
2100.0%
20.0%
1—
10.0%
10.0%
10.0%
1100.0%
Portfolio summary
Total funded$13.4M
Defaults3 of 31
Risk tierAVERAGE
Avg rate6.31%
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%).