TS
SBA 7(a) franchise lending portfolio
The Stephenson National Bank and Trust
CRITICAL risk
- Total loans
- 16
- Loan volume
- $12.7M
- Avg loan size
- $794K
- Charge-off rate
- 20.0%
- vs 15.4% national avg
Defaults
2
Avg interest
5.27%
Franchises funded
11
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Econo Lodge by Choice Hotels/E | 4 | $1.9M | 0.0% (low risk) |
| Super 8 by Wyndhan | 2 | $1.8M | 0.0% (low risk) |
| Piggly Wiggly | 2 | $977K | N/A |
| Ramada Inn | 1 | $1.1M | 0.0% (low risk) |
| Cousins Submarines (restaurant | 1 | $162K | 0.0% (low risk) |
| Honda | 1 | $535K | 100.0% (very high risk) |
| Signarama | 1 | $135K | 100.0% (very high risk) |
| Little Ceasar's Pizza | 1 | $307K | 0.0% (low risk) |
| Super 8 | 1 | $1.5M | 0.0% (low risk) |
| Titletown Oil Corp. (Shell) Re | 1 | $949K | N/A |
| Rodeway Inn by Choice Hotels/R | 1 | $3.4M | N/A |
Lending volume by year
1'94
1'08
2'10
1'12
2'18
3'20
3'21
3'22
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 Stephenson National Bank and Trust originated?
- 16 loans totaling $12.7M. The portfolio carries a 20.0% charge-off rate, earning a “CRITICAL” 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 Stephenson National Bank and Trust fund the most?
- The “Top franchise exposures” table above lists the brands The Stephenson National Bank and Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.