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SBA 7(a) franchise lending portfolio
The Yellowstone Bank
AVERAGE risk
- Total loans
- 37
- Loan volume
- $13.2M
- Avg loan size
- $358K
- Default 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% |
| Salad Creations | 2 | $464K | 0.0% |
| Dollar Discount Stores | 2 | $175K | 0.0% |
| Dairy Queen Grill & Chill/Texa | 2 | $1.0M | 0.0% |
| Great Harvest Bread Co. | 1 | $92K | 0.0% |
| Our Own Hardware | 1 | $300K | 0.0% |
| Sports Replay | 1 | $65K | 100.0% |
| Subway Sandwich Shop | 1 | $134K | 0.0% |
| Once Upon A Child | 1 | $75K | 0.0% |
| Heaven's Best | 1 | $26K | 100.0% |
| MAACO Auto Painting Center | 1 | $150K | 0.0% |
| Matco Tools (rent Tools) | 1 | $60K | 0.0% |
| Gymboree | 1 | $70K | 0.0% |
| Wheat Montana Bakery & Deli | 1 | $345K | 0.0% |
| V2k Window Fashions | 1 | $40K | 0.0% |
| Oreck Floor Care Center | 1 | $30K | 0.0% |
| Circuit Women In Fitness (the) | 1 | $6K | 0.0% |
| Rent-A-Wreck (car Rental) | 1 | $150K | 0.0% |
| 9round | 1 | $65K | 0.0% |
| Spicy Pickle | 1 | $310K | 0.0% |
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 default rate by loan vintage
BrandNational avg
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%).