W&
SBA 7(a) franchise lending portfolio
Wilson & Muir Bank & Trust Company
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $5.0M
- Avg loan size
- $457K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.12%
Franchises funded
9
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Papa Murphy's Take & Bake Pizz | 2 | $350K | 0.0% (low risk) |
| Huddle House | 2 | $155K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $210K | 0.0% (low risk) |
| Oasis Senior Advisors | 1 | $59K | 0.0% (low risk) |
| Deka Lash | 1 | $300K | 0.0% (low risk) |
| Bee Hive Homes Of America | 1 | $90K | 0.0% (low risk) |
| Automotive Technologies | 1 | $172K | 0.0% (low risk) |
| Snap Fitness | 1 | $140K | 0.0% (low risk) |
| Assisted Living Locators | 1 | $3.5M | N/A |
Lending volume by year
1'04
2'07
1'09
2'11
1'12
2'16
1'19
1'23
Geographic exposure
110.0% (low risk)
Portfolio summary
Total funded$5.0M
Defaults0 of 11
Risk tierEXCELLENT
Avg rate6.12%
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 Wilson & Muir Bank & Trust Company originated?
- 11 loans totaling $5.0M. 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 Wilson & Muir Bank & Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands Wilson & Muir Bank & Trust Company has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.