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SBA 7(a) franchise lending portfolio
The Lyons National Bank
CRITICAL risk
- Total loans
- 11
- Loan volume
- $4.6M
- Avg loan size
- $420K
- Default rate
- 22.2%
- vs 15.4% national avg
Defaults
2
Avg interest
5.85%
Franchises funded
7
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 5 | $925K | 20.0% |
| Allstate Insurance | 1 | $500K | 0.0% |
| Tio Juan's Margaritas Mexican | 1 | $2.5M | 100.0% |
| NAPA Auto Parts | 1 | $345K | 0.0% |
| Miracle Method | 1 | $104K | — |
| Weichert Realtors | 1 | $30K | — |
| Beerhead Bar & Eatery | 1 | $215K | 0.0% |
Lending volume by year
1'03
1'04
1'05
1'09
2'11
1'12
1'14
1'16
1'18
1'22
Geographic exposure
1122.2%
Portfolio summary
Total funded$4.6M
Defaults2 of 11
Risk tierCRITICAL
Avg rate5.85%
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%).