SBA 7(a) franchise lending portfolio
Village Bank and Trust, National Association
- Total loans
- 124
- Loan volume
- $53.0M
- Avg loan size
- $428K
- Charge-off rate
- 9.4%
- vs 16.0% national
Charged off
6
Avg interest
6.41%
Franchises funded
68
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Jimmy John's | 10 | $4.8M | N/A |
| Subway | 9 | $2.2M | N/A |
| Ben & Jerry's | 5 | $1.4M | N/A |
| Burger King | 5 | $3.7M | N/A |
| Jersey Mike's | 5 | $1.4M | N/A |
| SportClips | 4 | $2.5M | N/A |
| Yesco | 3 | $330K | N/A |
| Tropical Smoothie Cafe | 3 | $760K | N/A |
| The UPS Store (f/k/a Mail Box | 3 | $1.2M | N/A |
| College Hunks Hauling Junk | 3 | $965K | N/A |
| Sport Clips | 2 | $610K | N/A |
| Wingstop | 2 | $507K | N/A |
| Tuffy Auto Service Center | 2 | $761K | N/A |
| Papa John's | 2 | $354K | N/A |
| D-Bat | 2 | $525K | N/A |
| Restore Hyper Wellness | 2 | $858K | N/A |
| Domino's | 2 | $834K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1998 | 1 |
| FY2012 | 3 |
| FY2013 | 10 |
| FY2014 | 8 |
| FY2015 | 13 |
| FY2016 | 2 |
| FY2017 | 9 |
| FY2018 | 6 |
| FY2019 | 7 |
| FY2020 | 8 |
| FY2021 | 15 |
| FY2022 | 4 |
| FY2023 | 9 |
| FY2024 | 7 |
| FY2025 | 17 |
| FY2026 | 5 |
SBA 7(a) · charge-off rate by approval year
Village Bank and Trust, National Association: highest rate in the 2015 loan year, 18.2%
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2012 | 3 | 0 | Too few |
| 2013 | 10 | 0 | 0.0% |
| 2014 | 8 | 2 | Too few |
| 2015 | 11 | 2 | 18.2% |
| 2017 | 6 | 0 | Too few |
| 2018 | 3 | 0 | Too few |
| 2019 | 7 | 0 | Too few |
| 2020 | 7 | 0 | Too early |
| 2021 | 6 | 1 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 Village Bank and Trust, National Association originated?
- 124 loans totaling $53.0M. The portfolio carries a 9.4% charge-off rate, earning a “Good” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Village Bank and Trust, National Association's rate of 9.4% is below the national rate.
- 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 Village Bank and Trust, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Village Bank and Trust, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.