UF
SBA 7(a) franchise lending portfolio
United Fidelity Bank, FSB
ELEVATED risk
- Total loans
- 94
- Loan volume
- $30.7M
- Avg loan size
- $326K
- Charge-off rate
- 17.0%
- vs 15.4% national avg
Defaults
16
Avg interest
6.00%
Franchises funded
37
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Cold Stone Creamery, Inc. | 19 | $4.6M | 10.5% (elevated risk) |
| It's A Grind Coffee | 12 | $2.9M | 41.7% (very high risk) |
| One-Hour Martinizing | 7 | $1.8M | 14.3% (elevated risk) |
| Quiznos | 5 | $761K | 40.0% (very high risk) |
| Wingstop Restaurant | 5 | $964K | 0.0% (low risk) |
| Super 8 Motel | 3 | $3.4M | 33.3% (very high risk) |
| Days Inn | 3 | $2.5M | 0.0% (low risk) |
| Dairy Queen | 3 | $1.3M | 0.0% (low risk) |
| Line-X | 3 | $400K | 33.3% (very high risk) |
| All Tune And Lube | 2 | $510K | 0.0% (low risk) |
| Business Cards Tomorrow | 2 | $370K | 0.0% (low risk) |
| Dry Cleaning Station | 2 | $245K | 50.0% (very high risk) |
| Subway Sandwich Shop | 2 | $845K | 0.0% (low risk) |
| Marriott Hotel | 2 | $450K | 0.0% (low risk) |
| Aim Mail Center | 2 | $290K | 0.0% (low risk) |
| Signal Graphics Printing | 1 | $210K | 0.0% (low risk) |
| Holiday Inn | 1 | $1.0M | 0.0% (low risk) |
| MAACO Auto Painting Center | 1 | $315K | 0.0% (low risk) |
| Robeks Juice | 1 | $205K | 0.0% (low risk) |
| Big O Tires | 1 | $395K | 100.0% (very high risk) |
Lending volume by year
3'97
2'98
8'99
6'00
6'01
9'02
14'03
17'04
11'05
9'06
6'07
2'08
1'09
United Fidelity Bank, FSB charge-off rate by loan vintage
BrandNational avg
Geographic exposure
5518.2% (high risk)
3514.3% (elevated risk)
20.0% (low risk)
250.0% (very high risk)
Portfolio summary
Total funded$30.7M
Defaults16 of 94
Risk tierELEVATED
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 United Fidelity Bank, FSB originated?
- 94 loans totaling $30.7M. The portfolio carries a 17.0% charge-off rate, earning a “ELEVATED” 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 United Fidelity Bank, FSB fund the most?
- The “Top franchise exposures” table above lists the brands United Fidelity Bank, FSB has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.