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SBA 7(a) franchise lending portfolio
West Shore Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $10.7M
- Avg loan size
- $1.1M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.53%
Franchises funded
7
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 2 | $259K | 0.0% |
| Ace Hardware | 2 | $2.8M | — |
| Chrysler - Sales and Service A | 2 | $4.5M | — |
| Oberweis Ice Cream And Dairy S | 1 | $25K | — |
| Jimmy John's | 1 | $308K | 0.0% |
| Dairy Queen Grill & Chill/Texa | 1 | $553K | — |
| Little Caesars | 1 | $2.3M | — |
Lending volume by year
1'13
2'18
2'21
2'22
2'23
1'24
Geographic exposure
100.0%
Portfolio summary
Total funded$10.7M
Defaults0 of 10
Risk tierEXCELLENT
Avg rate6.53%
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%).