![Tompkins Community Bank logo](https://cdn.brandfetch.io/tompkinscommunitybank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Tompkins Community Bank
CRITICAL risk
- Total loans
- 25
- Loan volume
- $3.1M
- Avg loan size
- $122K
- Default 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% |
| Fitness Together | 2 | $196K | 100.0% |
| Paul Davis Restoration | 2 | $170K | 0.0% |
| Apricot Lane | 2 | $189K | 100.0% |
| Alloy Personal Traning | 2 | $440K | — |
| Choice Hotels International In | 1 | $100K | 0.0% |
| Fantastic Sam's | 1 | $100K | 0.0% |
| Merle Norman Cosmetics | 1 | $35K | 0.0% |
| Curves For Women | 1 | $140K | 100.0% |
| Foot Solutions | 1 | $50K | 0.0% |
| Servicemaster | 1 | $73K | 100.0% |
| Once Upon A Child | 1 | $130K | 0.0% |
| Cookie Bouquet | 1 | $60K | 0.0% |
| Hobbytown Usa | 1 | $200K | 0.0% |
| Anytime Fitness | 1 | $165K | 0.0% |
| Home Instead Senior Care | 1 | $350K | 0.0% |
| Weed Man | 1 | $60K | 0.0% |
| Blue Kangaroo Packoutz | 1 | $50K | — |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
1320.0%
1241.7%
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
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%).