TB
SBA 7(a) franchise lending portfolio
Traditional Bank, Inc.
CRITICAL risk
- Total loans
- 28
- Loan volume
- $9.0M
- Avg loan size
- $321K
- Charge-off rate
- 24.0%
- vs 15.4% national avg
Defaults
6
Avg interest
5.60%
Franchises funded
18
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 3 | $373K | 100.0% (very high risk) |
| Chem-Dry | 3 | $189K | 66.7% (very high risk) |
| Aqua-Tots | 3 | $1.1M | N/A |
| Schlotzsky's Sandwich Shop | 2 | $1.3M | 0.0% (low risk) |
| Hallmark Card Shop | 2 | $184K | 0.0% (low risk) |
| Domino's Pizza | 2 | $271K | 0.0% (low risk) |
| Moe's Southwest Grill | 2 | $920K | 0.0% (low risk) |
| One-Hour Martinizing | 1 | $180K | 0.0% (low risk) |
| Aaron Rental Purchase | 1 | $100K | 0.0% (low risk) |
| H.u.m.a.n. | 1 | $150K | 0.0% (low risk) |
| The Alternative Board/T.a.b. | 1 | $70K | 0.0% (low risk) |
| Mr. Electric | 1 | $475K | 0.0% (low risk) |
| Moe's Sw Grill | 1 | $467K | 0.0% (low risk) |
| Great Harvest Bread Co. | 1 | $428K | 100.0% (very high risk) |
| Taco Tico | 1 | $585K | 0.0% (low risk) |
| Shell Service Station | 1 | $375K | 0.0% (low risk) |
| Dairy Queen | 1 | $1.5M | 0.0% (low risk) |
| Scout & Molly's | 1 | $232K | 0.0% (low risk) |
Lending volume by year
1'97
2'01
1'02
1'03
3'04
2'08
3'10
3'11
2'12
1'13
3'14
2'15
1'16
2'17
1'18
Traditional Bank, Inc. charge-off rate by loan vintage
BrandNational avg
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 Traditional Bank, Inc. originated?
- 28 loans totaling $9.0M. The portfolio carries a 24.0% 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 Traditional Bank, Inc. fund the most?
- The “Top franchise exposures” table above lists the brands Traditional Bank, Inc. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.