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SBA 7(a) franchise lending portfolio
TransPecos Banks, SSB.
ELEVATED risk
- Total loans
- 20
- Loan volume
- $32.7M
- Avg loan size
- $1.6M
- Default rate
- 16.7%
- vs 15.4% national avg
Defaults
2
Avg interest
6.46%
Franchises funded
18
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Kids 'r' Kids | 2 | $3.5M | 0.0% |
| AAMCO Transmissions | 2 | $431K | 100.0% |
| Chevron (gas Station) | 1 | $180K | 0.0% |
| Subway Sandwich Shop | 1 | $240K | 0.0% |
| Subway | 1 | $928K | 100.0% |
| AlphaGraphics | 1 | $1.6M | — |
| Country Hearth Inn/Country Hea | 1 | $2.2M | 0.0% |
| Econo Lodge | 1 | $2.9M | 0.0% |
| Quality Inn/Quality Suites, Ho | 1 | $2.1M | 0.0% |
| Best Western - Membership Agre | 1 | $2.3M | — |
| Knights Inn | 1 | $2.2M | 0.0% |
| Marco's Pizza | 1 | $382K | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 1 | $3.0M | — |
| Best Western Inn | 1 | $4.1M | 0.0% |
| Studio 6 | 1 | $2.8M | — |
| All Dry | 1 | $270K | — |
| Gatti's Pizza/Mr. Gatti's Pizz | 1 | $3.3M | — |
| Poolwerx | 1 | $250K | — |
Lending volume by year
1'92
1'05
5'15
5'16
2'17
3'18
1'22
2'23
Geographic exposure
2016.7%
Portfolio summary
Total funded$32.7M
Defaults2 of 20
Risk tierELEVATED
Avg rate6.46%
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%).