TP
SBA 7(a) franchise lending portfolio
The Paducah Bank and Trust Company
EXCELLENT risk
- Total loans
- 27
- Loan volume
- $3.5M
- Avg loan size
- $131K
- Charge-off rate
- 3.9%
- vs 15.4% national avg
Defaults
1
Avg interest
5.89%
Franchises funded
19
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 3 | $623K | 0.0% (low risk) |
| Great Clips | 2 | $355K | 0.0% (low risk) |
| Pasta House | 2 | $136K | 0.0% (low risk) |
| Dairy Queen | 2 | $152K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 2 | $250K | 0.0% (low risk) |
| Subway | 2 | $147K | 0.0% (low risk) |
| Plato's Closet | 2 | $300K | 0.0% (low risk) |
| Stanley's Steamer Carpet Clean | 1 | $24K | 0.0% (low risk) |
| Jani-King (janitor's Service) | 1 | $33K | 0.0% (low risk) |
| Amerispec | 1 | $81K | 0.0% (low risk) |
| The Honey Baked Ham Co. And Ca | 1 | $332K | 100.0% (very high risk) |
| Budget Blinds | 1 | $66K | 0.0% (low risk) |
| Sign-A-Rama | 1 | $69K | 0.0% (low risk) |
| Wingstop Restaurant | 1 | $98K | 0.0% (low risk) |
| Purosystems | 1 | $50K | 0.0% (low risk) |
| Quiznos | 1 | $30K | 0.0% (low risk) |
| Window World International | 1 | $350K | 0.0% (low risk) |
| Chicken Salad Chick | 1 | $350K | N/A |
| Once Upon A Child | 1 | $106K | 0.0% (low risk) |
Lending volume by year
1'95
2'02
1'03
2'04
1'06
2'07
1'08
3'09
4'10
2'11
1'12
1'14
3'15
1'16
1'21
1'25
The Paducah Bank and Trust Company charge-off rate by loan vintage
BrandNational avg
Geographic exposure
273.8% (low risk)
Portfolio summary
Total funded$3.5M
Defaults1 of 27
Risk tierEXCELLENT
Avg rate5.89%
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 Paducah Bank and Trust Company originated?
- 27 loans totaling $3.5M. The portfolio carries a 3.9% charge-off rate, earning a “EXCELLENT” 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 Paducah Bank and Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands The Paducah Bank and Trust Company has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.