TR
SBA 7(a) franchise lending portfolio
Three Rivers Bank of Montana
ELEVATED risk
- Total loans
- 19
- Loan volume
- $5.3M
- Avg loan size
- $278K
- Charge-off rate
- 15.4%
- vs 15.4% national avg
Defaults
2
Avg interest
6.64%
Franchises funded
11
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Firehouse Subs | 4 | $936K | 100.0% (very high risk) |
| Dee-O-Gee | 2 | $380K | 0.0% (low risk) |
| The Brass Tap | 2 | $870K | 0.0% (low risk) |
| H&R Block - Franchise License | 2 | $1.4M | 0.0% (low risk) |
| Cartridge World | 2 | $170K | 0.0% (low risk) |
| Cold Stone Creamery | 2 | $296K | N/A |
| Heel Quik (shoe Repair) | 1 | $53K | 0.0% (low risk) |
| True Value Hardware | 1 | $211K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 1 | $290K | 0.0% (low risk) |
| Signs Now | 1 | $65K | 0.0% (low risk) |
| Comfort Keepers | 1 | $564K | N/A |
Lending volume by year
1'94
1'10
2'12
2'16
2'17
3'19
3'20
2'21
3'22
Geographic exposure
1915.4% (high risk)
Portfolio summary
Total funded$5.3M
Defaults2 of 19
Risk tierELEVATED
Avg rate6.64%
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 Three Rivers Bank of Montana originated?
- 19 loans totaling $5.3M. The portfolio carries a 15.4% charge-off rate, earning a “ELEVATED” 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 Three Rivers Bank of Montana fund the most?
- The “Top franchise exposures” table above lists the brands Three Rivers Bank of Montana has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.