TC
SBA 7(a) franchise lending portfolio
Tompkins Community Bank
CRITICAL risk
- Total loans
- 25
- Loan volume
- $3.1M
- Avg loan size
- $122K
- Charge-off rate
- 31.8%
- vs 15.4% national avg
Defaults
7
Avg interest
6.83%
Franchises funded
18
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 4 | $553K | 25.0% (very high risk) |
| Fitness Together | 2 | $196K | 100.0% (very high risk) |
| Paul Davis Restoration | 2 | $170K | 0.0% (low risk) |
| Apricot Lane | 2 | $189K | 100.0% (very high risk) |
| Alloy Personal Traning | 2 | $440K | N/A |
| Choice Hotels International In | 1 | $100K | 0.0% (low risk) |
| Fantastic Sam's | 1 | $100K | 0.0% (low risk) |
| Merle Norman Cosmetics | 1 | $35K | 0.0% (low risk) |
| Curves For Women | 1 | $140K | 100.0% (very high risk) |
| Foot Solutions | 1 | $50K | 0.0% (low risk) |
| Servicemaster | 1 | $73K | 100.0% (very high risk) |
| Once Upon A Child | 1 | $130K | 0.0% (low risk) |
| Cookie Bouquet | 1 | $60K | 0.0% (low risk) |
| Hobbytown Usa | 1 | $200K | 0.0% (low risk) |
| Anytime Fitness | 1 | $165K | 0.0% (low risk) |
| Home Instead Senior Care | 1 | $350K | 0.0% (low risk) |
| Weed Man | 1 | $60K | 0.0% (low risk) |
| Blue Kangaroo Packoutz | 1 | $50K | N/A |
Lending volume by year
1'00
5'01
1'02
2'04
1'05
3'07
3'08
2'12
2'18
2'21
3'24
Tompkins Community Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
1320.0% (very high risk)
1241.7% (very high risk)
Portfolio summary
Total funded$3.1M
Defaults7 of 25
Risk tierCRITICAL
Avg rate6.83%
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 Tompkins Community Bank originated?
- 25 loans totaling $3.1M. The portfolio carries a 31.8% 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 Tompkins Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands Tompkins Community 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.