WS
SBA 7(a) franchise lending portfolio
Waukesha State Bank
Risk rating: Good
- Total loans
- 78
- Loan volume
- $32.2M
- Avg loan size
- $413K
- Charge-off rate
- 6.1%
- vs 16.0% national
Charged off
3
Avg interest
6.90%
Franchises funded
48
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Central Bark Doggy Day Care | 13 | $6.2M | N/A |
| Subway Sandwich Shop | 6 | $814K | N/A |
| Rosati's Pizza | 5 | $1.1M | N/A |
| Moe's Sw Grill | 3 | $492K | N/A |
| Quiznos | 3 | $360K | N/A |
| Signs By Tomorrow | 2 | $297K | N/A |
| Domino's Pizza | 2 | $115K | N/A |
| 1-800 Water Damage | 2 | $225K | N/A |
| Holiday Inn Express | 2 | $4.3M | N/A |
| World Fuel Services - Wholesal | 2 | $2.3M | N/A |
| Piggly Wiggly | 2 | $582K | N/A |
| World Fuel Services Inc. aka L | 2 | $2.6M | N/A |
| H&R Block - Franchise License | 2 | $610K | N/A |
| I Can't Believe It's Yogurt | 1 | $150K | N/A |
| Express Personnel Services | 1 | $40K | N/A |
| Fast Frame | 1 | $110K | N/A |
| Car-X Auto Service | 1 | $664K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1998 | 2 |
| FY1999 | 2 |
| FY2000 | 1 |
| FY2001 | 1 |
| FY2002 | 1 |
| FY2003 | 1 |
| FY2004 | 4 |
| FY2005 | 4 |
| FY2006 | 2 |
| FY2007 | 1 |
| FY2008 | 3 |
| FY2009 | 4 |
| FY2011 | 2 |
| FY2012 | 4 |
| FY2013 | 3 |
| FY2014 | 3 |
| FY2015 | 2 |
| FY2016 | 1 |
| FY2017 | 1 |
| FY2018 | 4 |
| FY2019 | 4 |
| FY2020 | 4 |
| FY2021 | 12 |
| FY2022 | 3 |
| FY2023 | 4 |
| FY2024 | 1 |
| FY2025 | 4 |
SBA 7(a) · charge-off rate by approval year
Waukesha State Bank charge-off rate by loan vintage
None of these 8 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2004 | 4 | 1 | Too few |
| 2005 | 4 | 1 | Too few |
| 2008 | 3 | 0 | Too few |
| 2009 | 4 | 0 | Too few |
| 2012 | 4 | 0 | Too few |
| 2013 | 3 | 0 | Too few |
| 2014 | 3 | 0 | Too few |
| 2021 | 3 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$32.2M
Charged off3 of 78
Risk tierGood
Avg rate6.90%
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 Waukesha State Bank originated?
- 78 loans totaling $32.2M. The portfolio carries a 6.1% 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. Waukesha State Bank's rate of 6.1% 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 Waukesha State Bank fund the most?
- The “Top franchise exposures” table above lists the brands Waukesha State 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.