BC
SBA 7(a) franchise lending portfolio
BAC Community Bank
Risk rating: Excellent
- Total loans
- 50
- Loan volume
- $14.0M
- Avg loan size
- $280K
- Charge-off rate
- 4.0%
- vs 16.0% national
Charged off
2
Avg interest
N/A
Franchises funded
27
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Speedee Oil Change & Tune-Up | 12 | $6.3M | 0.0% (excellent) |
| Papa Murphy's Take & Bake Pizz | 5 | $735K | N/A |
| Relax The Back Store | 3 | $295K | N/A |
| Chevron (gas Station) | 3 | $1.1M | N/A |
| Amailcenter Franchise Corp. | 2 | $111K | N/A |
| Wendy's | 2 | $950K | N/A |
| Togo's Eatery | 2 | $268K | N/A |
| Subway Sandwich Shop | 2 | $150K | N/A |
| Wallpapers To Go | 1 | $165K | N/A |
| Mountain Mike's Pizza | 1 | $97K | N/A |
| Speedy Sign-O-Rama | 1 | $80K | N/A |
| Strings The Pasta Cafe | 1 | $88K | N/A |
| Heel Quik (shoe Repair) | 1 | $50K | N/A |
| Exxon | 1 | $290K | N/A |
| Postal Annex Plus | 1 | $65K | N/A |
| Skolnick's (bagel Restaur.&bak | 1 | $160K | N/A |
| Shell Service Station | 1 | $215K | N/A |
| Play It Again Sports (retail S | 1 | $155K | N/A |
| Gloria Jean's Coffee Bean | 1 | $190K | N/A |
| Arby's | 1 | $520K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 9 |
| FY1993 | 9 |
| FY1994 | 4 |
| FY1995 | 6 |
| FY1996 | 7 |
| FY1997 | 3 |
| FY1998 | 3 |
| FY1999 | 8 |
| FY2000 | 1 |
SBA 7(a) · charge-off rate by approval year
BAC Community 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 |
|---|---|---|---|
| 1992 | 9 | 1 | Too few |
| 1993 | 9 | 0 | Too few |
| 1994 | 4 | 0 | Too few |
| 1995 | 6 | 0 | Too few |
| 1996 | 7 | 0 | Too few |
| 1997 | 3 | 1 | Too few |
| 1998 | 3 | 0 | Too few |
| 1999 | 8 | 0 | Too few |
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
494.1% (excellent)
1N/A
Portfolio summary
Total funded$14.0M
Charged off2 of 50
Risk tierExcellent
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 BAC Community Bank originated?
- 50 loans totaling $14.0M. The portfolio carries a 4.0% 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). 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. BAC Community Bank's rate of 4.0% 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 BAC Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands BAC Community 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.