TF
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
- Charge-off 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% (low risk) |
| Wingstop | 1 | $310K | 0.0% (low risk) |
| Home Care Assistance 1-866-4-L | 1 | $368K | 0.0% (low risk) |
| Mooyah Burgers & Fries | 1 | $599K | 0.0% (low risk) |
| Enviro-Master Services | 1 | $125K | N/A |
| 1000 Degrees Pizzeria | 1 | $231K | 100.0% (very high risk) |
| Adventure Kids Playcare | 1 | $306K | N/A |
| Anytime Fitness | 1 | $464K | 0.0% (low risk) |
| Chicken Express | 1 | $351K | 0.0% (low risk) |
| Big Frog Custom T-Shirts | 1 | $148K | N/A |
| 7Spice Burgers and Wraps | 1 | $341K | 0.0% (low risk) |
| Urban Air Trampoline Park | 1 | $4.1M | 0.0% (low risk) |
| Erbert & Gerbert's Subs & Club | 1 | $150K | 100.0% (very high risk) |
| Service Team Of Professionals | 1 | $127K | 0.0% (low risk) |
| Batteries Plus Bulbs | 1 | $192K | 0.0% (low risk) |
| Parisi Speed School | 1 | $133K | 0.0% (low risk) |
| Visiting Angels | 1 | $460K | N/A |
| Mr. Handyman | 1 | $149K | 0.0% (low risk) |
| Liberty Tax Service | 1 | $260K | 0.0% (low risk) |
| Dental Fix Rx | 1 | $103K | N/A |
Lending volume by year
2'14
4'15
17'16
6'17
2'18
The First National Bank of Tom Bean charge-off rate by loan vintage
BrandNational avg
Geographic exposure
216.2% (moderate risk)
2100.0% (very high risk)
20.0% (low risk)
1N/A
10.0% (low risk)
1N/A
10.0% (low risk)
10.0% (low risk)
1100.0% (very high risk)
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
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 First National Bank of Tom Bean originated?
- 31 loans totaling $13.4M. The portfolio carries a 13.6% 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 First National Bank of Tom Bean fund the most?
- The “Top franchise exposures” table above lists the brands The First National Bank of Tom Bean has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.