TC
SBA 7(a) franchise lending portfolio
Tri Counties Bank
EXCELLENT risk
- Total loans
- 28
- Loan volume
- $12.9M
- Avg loan size
- $462K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.00%
Franchises funded
24
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Denny's Restaurant | 3 | $955K | 0.0% (low risk) |
| Ace Hardware | 2 | $543K | 0.0% (low risk) |
| Harley Davidson | 2 | $616K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $100K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $140K | 0.0% (low risk) |
| Super 8 Motel | 1 | $1.1M | 0.0% (low risk) |
| Chevron (gas Station) | 1 | $318K | 0.0% (low risk) |
| Domino's Pizza | 1 | $100K | 0.0% (low risk) |
| General Nutrition Center | 1 | $50K | 0.0% (low risk) |
| Jack-In-The-Box | 1 | $500K | 0.0% (low risk) |
| Home Instead Senior Care | 1 | $677K | 0.0% (low risk) |
| Quiznos | 1 | $130K | 0.0% (low risk) |
| Purofirst | 1 | $650K | 0.0% (low risk) |
| Keva Juice | 1 | $187K | 0.0% (low risk) |
| Thrifty Rent-A-Car | 1 | $625K | 0.0% (low risk) |
| Nothing Bundt Cakes | 1 | $325K | 0.0% (low risk) |
| Mr. Rooter | 1 | $274K | 0.0% (low risk) |
| Best Western Inn | 1 | $2.3M | 0.0% (low risk) |
| Midas Muffler Shop | 1 | $135K | 0.0% (low risk) |
| Edible Arrangements | 1 | $285K | 0.0% (low risk) |
Lending volume by year
4'92
2'93
1'95
2'96
1'98
2'99
1'02
1'03
1'04
2'07
2'11
1'12
1'14
1'16
2'17
1'18
1'19
2'21
Geographic exposure
280.0% (low risk)
Portfolio summary
Total funded$12.9M
Defaults0 of 28
Risk tierEXCELLENT
Avg rate6.00%
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 Tri Counties Bank originated?
- 28 loans totaling $12.9M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Tri Counties Bank fund the most?
- The “Top franchise exposures” table above lists the brands Tri Counties 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.