BC
SBA 7(a) franchise lending portfolio
BCB Community Bank
CRITICAL risk
- Total loans
- 42
- Loan volume
- $34.9M
- Avg loan size
- $831K
- Charge-off rate
- 21.1%
- vs 15.4% national avg
Defaults
8
Avg interest
5.74%
Franchises funded
26
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Retro Fitness | 5 | $4.1M | 0.0% (low risk) |
| Burgerfi | 4 | $2.5M | 0.0% (low risk) |
| Panchero's Mexican Grill | 3 | $950K | 33.3% (very high risk) |
| Just Falafel | 3 | $841K | 66.7% (very high risk) |
| Great Clips | 3 | $425K | 0.0% (low risk) |
| Subway | 2 | $325K | 100.0% (very high risk) |
| State Farm Insurance | 2 | $635K | 0.0% (low risk) |
| Buy-Rite Liquors - License Agr | 2 | $3.2M | 0.0% (low risk) |
| Sunoco Service Station | 1 | $245K | 0.0% (low risk) |
| AAMCO Transmissions | 1 | $250K | 0.0% (low risk) |
| Cheeburger Cheeburger | 1 | $350K | 0.0% (low risk) |
| Firehouse Subs | 1 | $290K | 100.0% (very high risk) |
| Radisson | 1 | $5.0M | 0.0% (low risk) |
| New York Burrito Gourmet Wraps | 1 | $458K | 0.0% (low risk) |
| Chrysler | 1 | $600K | 0.0% (low risk) |
| Bp Express | 1 | $360K | 0.0% (low risk) |
| La Quinta by Wyndham a.k.a. La | 1 | $2.9M | N/A |
| The Spice & Tea Exchange | 1 | $250K | 0.0% (low risk) |
| The UPS Store | 1 | $360K | N/A |
| Midas Muffler Shop | 1 | $200K | 100.0% (very high risk) |
Lending volume by year
3'09
5'10
3'11
2'12
5'13
8'14
4'15
3'16
3'17
3'18
1'19
1'21
1'22
BCB Community Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
3422.6% (very high risk)
433.3% (very high risk)
20.0% (low risk)
20.0% (low risk)
Portfolio summary
Total funded$34.9M
Defaults8 of 42
Risk tierCRITICAL
Avg rate5.74%
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 BCB Community Bank originated?
- 42 loans totaling $34.9M. The portfolio carries a 21.1% charge-off rate, earning a “CRITICAL” 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 BCB Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands BCB 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.