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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
- Default 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% |
| Great Clips | 2 | $355K | 0.0% |
| Pasta House | 2 | $136K | 0.0% |
| Dairy Queen | 2 | $152K | 0.0% |
| Cold Stone Creamery, Inc. | 2 | $250K | 0.0% |
| Subway | 2 | $147K | 0.0% |
| Plato's Closet | 2 | $300K | 0.0% |
| Stanley's Steamer Carpet Clean | 1 | $24K | 0.0% |
| Jani-King (janitor's Service) | 1 | $33K | 0.0% |
| Amerispec | 1 | $81K | 0.0% |
| The Honey Baked Ham Co. And Ca | 1 | $332K | 100.0% |
| Budget Blinds | 1 | $66K | 0.0% |
| Sign-A-Rama | 1 | $69K | 0.0% |
| Wingstop Restaurant | 1 | $98K | 0.0% |
| Purosystems | 1 | $50K | 0.0% |
| Quiznos | 1 | $30K | 0.0% |
| Window World International | 1 | $350K | 0.0% |
| Chicken Salad Chick | 1 | $350K | — |
| Once Upon A Child | 1 | $106K | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
273.8%
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
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%).