TY
SBA 7(a) franchise lending portfolio
The Yellowstone Bank
AVERAGE risk
- Total loans
- 37
- Loan volume
- $13.2M
- Avg loan size
- $358K
- Charge-off rate
- 12.9%
- vs 15.4% national avg
Defaults
4
Avg interest
6.32%
Franchises funded
32
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Radio Shack | 3 | $288K | 33.3% (very high risk) |
| Salad Creations | 2 | $464K | 0.0% (low risk) |
| Dollar Discount Stores | 2 | $175K | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 2 | $1.0M | 0.0% (low risk) |
| Great Harvest Bread Co. | 1 | $92K | 0.0% (low risk) |
| Our Own Hardware | 1 | $300K | 0.0% (low risk) |
| Sports Replay | 1 | $65K | 100.0% (very high risk) |
| Subway Sandwich Shop | 1 | $134K | 0.0% (low risk) |
| Once Upon A Child | 1 | $75K | 0.0% (low risk) |
| Heaven's Best | 1 | $26K | 100.0% (very high risk) |
| MAACO Auto Painting Center | 1 | $150K | 0.0% (low risk) |
| Matco Tools (rent Tools) | 1 | $60K | 0.0% (low risk) |
| Gymboree | 1 | $70K | 0.0% (low risk) |
| Wheat Montana Bakery & Deli | 1 | $345K | 0.0% (low risk) |
| V2k Window Fashions | 1 | $40K | 0.0% (low risk) |
| Oreck Floor Care Center | 1 | $30K | 0.0% (low risk) |
| Circuit Women In Fitness (the) | 1 | $6K | 0.0% (low risk) |
| Rent-A-Wreck (car Rental) | 1 | $150K | 0.0% (low risk) |
| 9round | 1 | $65K | 0.0% (low risk) |
| Spicy Pickle | 1 | $310K | 0.0% (low risk) |
Lending volume by year
3'94
2'96
1'99
4'00
1'03
3'04
1'05
4'09
2'10
3'11
2'12
1'14
1'15
2'17
2'18
3'21
2'24
The Yellowstone Bank charge-off rate by loan vintage
BrandNational avg
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 Yellowstone Bank originated?
- 37 loans totaling $13.2M. The portfolio carries a 12.9% charge-off rate, earning a “AVERAGE” 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 Yellowstone Bank fund the most?
- The “Top franchise exposures” table above lists the brands The Yellowstone Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.