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SBA 7(a) franchise lending portfolio
Woodlands National Bank
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $3.5M
- Avg loan size
- $272K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.50%
Franchises funded
8
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| NAPA Auto Parts | 3 | $512K | 0.0% |
| Hardware Hank | 3 | $290K | 0.0% |
| The Original Pancake House | 2 | $600K | 0.0% |
| Dairy Queen | 1 | $355K | 0.0% |
| Pro Energy Consultants | 1 | $28K | 0.0% |
| Curves For Women | 1 | $208K | 0.0% |
| Rodeway Inn by Choice Hotels/R | 1 | $940K | — |
| Holiday Station | 1 | $600K | — |
Lending volume by year
1'93
1'96
1'09
1'10
1'11
3'12
1'15
2'18
1'19
1'21
Geographic exposure
130.0%
Portfolio summary
Total funded$3.5M
Defaults0 of 13
Risk tierEXCELLENT
Avg rate5.50%
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%).