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SBA 7(a) franchise lending portfolio
Three Rivers Bank of Montana
ELEVATED risk
- Total loans
- 19
- Loan volume
- $5.3M
- Avg loan size
- $278K
- Default 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% |
| Dee-O-Gee | 2 | $380K | 0.0% |
| The Brass Tap | 2 | $870K | 0.0% |
| H&R Block - Franchise License | 2 | $1.4M | 0.0% |
| Cartridge World | 2 | $170K | 0.0% |
| Cold Stone Creamery | 2 | $296K | — |
| Heel Quik (shoe Repair) | 1 | $53K | 0.0% |
| True Value Hardware | 1 | $211K | 0.0% |
| Cold Stone Creamery, Inc. | 1 | $290K | 0.0% |
| Signs Now | 1 | $65K | 0.0% |
| Comfort Keepers | 1 | $564K | — |
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%
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
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%).