TS
SBA 7(a) franchise lending portfolio
The State Bank and Trust Company
EXCELLENT risk
- Total loans
- 38
- Loan volume
- $16.5M
- Avg loan size
- $435K
- Charge-off rate
- 3.6%
- vs 15.4% national avg
Defaults
1
Avg interest
6.86%
Franchises funded
29
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| KFC | 4 | $2.6M | 0.0% (low risk) |
| Smoothie King | 4 | $2.0M | 0.0% (low risk) |
| H&r Block | 2 | $727K | 0.0% (low risk) |
| Wings Over | 2 | $352K | 0.0% (low risk) |
| Ace Hardware | 2 | $832K | N/A |
| Dairy Queen | 1 | $198K | 0.0% (low risk) |
| East Of Chicago Pizza | 1 | $213K | 100.0% (very high risk) |
| Buffalo Wild Wings (f/K/A Bw-3 | 1 | $400K | 0.0% (low risk) |
| Subway | 1 | $296K | 0.0% (low risk) |
| Mosquito Squad | 1 | $100K | 0.0% (low risk) |
| The Casual Pint | 1 | $338K | 0.0% (low risk) |
| Scramblers | 1 | $350K | 0.0% (low risk) |
| Scrambler Marie's | 1 | $500K | 0.0% (low risk) |
| The UPS Store | 1 | $222K | 0.0% (low risk) |
| Biggby Coffee | 1 | $230K | 0.0% (low risk) |
| H&R Block - Franchise License | 1 | $222K | 0.0% (low risk) |
| Ace Hardware | 1 | $775K | 0.0% (low risk) |
| Handel's Homemade Ice Cream Si | 1 | $321K | 0.0% (low risk) |
| United Dairy Farmers, Inc. | 1 | $2.2M | N/A |
| Belleria Pizzeria | 1 | $576K | N/A |
Lending volume by year
1'06
2'08
4'13
2'14
3'15
1'16
1'17
6'18
4'19
4'20
3'22
5'23
2'25
The State Bank and Trust Company charge-off rate by loan vintage
BrandNational avg
Geographic exposure
235.9% (moderate risk)
120.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$16.5M
Defaults1 of 38
Risk tierEXCELLENT
Avg rate6.86%
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 State Bank and Trust Company originated?
- 38 loans totaling $16.5M. The portfolio carries a 3.6% 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 State Bank and Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands The State 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.