![Traditional Bank, Inc. logo](https://cdn.brandfetch.io/traditionalbank.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
Traditional Bank, Inc.
CRITICAL risk
- Total loans
- 28
- Loan volume
- $9.0M
- Avg loan size
- $321K
- Default 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% |
| Chem-Dry | 3 | $189K | 66.7% |
| Aqua-Tots | 3 | $1.1M | — |
| Schlotzsky's Sandwich Shop | 2 | $1.3M | 0.0% |
| Hallmark Card Shop | 2 | $184K | 0.0% |
| Domino's Pizza | 2 | $271K | 0.0% |
| Moe's Southwest Grill | 2 | $920K | 0.0% |
| One-Hour Martinizing | 1 | $180K | 0.0% |
| Aaron Rental Purchase | 1 | $100K | 0.0% |
| H.u.m.a.n. | 1 | $150K | 0.0% |
| The Alternative Board/T.a.b. | 1 | $70K | 0.0% |
| Mr. Electric | 1 | $475K | 0.0% |
| Moe's Sw Grill | 1 | $467K | 0.0% |
| Great Harvest Bread Co. | 1 | $428K | 100.0% |
| Taco Tico | 1 | $585K | 0.0% |
| Shell Service Station | 1 | $375K | 0.0% |
| Dairy Queen | 1 | $1.5M | 0.0% |
| Scout & Molly's | 1 | $232K | 0.0% |
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. default rate by loan vintage
BrandNational avg
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%).