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SBA 7(a) franchise lending portfolio
BCB Community Bank
CRITICAL risk
- Total loans
- 42
- Loan volume
- $34.9M
- Avg loan size
- $831K
- Default 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% |
| Burgerfi | 4 | $2.5M | 0.0% |
| Panchero's Mexican Grill | 3 | $950K | 33.3% |
| Just Falafel | 3 | $841K | 66.7% |
| Great Clips | 3 | $425K | 0.0% |
| Subway | 2 | $325K | 100.0% |
| State Farm Insurance | 2 | $635K | 0.0% |
| Buy-Rite Liquors - License Agr | 2 | $3.2M | 0.0% |
| Sunoco Service Station | 1 | $245K | 0.0% |
| AAMCO Transmissions | 1 | $250K | 0.0% |
| Cheeburger Cheeburger | 1 | $350K | 0.0% |
| Firehouse Subs | 1 | $290K | 100.0% |
| Radisson | 1 | $5.0M | 0.0% |
| New York Burrito Gourmet Wraps | 1 | $458K | 0.0% |
| Chrysler | 1 | $600K | 0.0% |
| Bp Express | 1 | $360K | 0.0% |
| La Quinta by Wyndham a.k.a. La | 1 | $2.9M | — |
| The Spice & Tea Exchange | 1 | $250K | 0.0% |
| The UPS Store | 1 | $360K | — |
| Midas Muffler Shop | 1 | $200K | 100.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
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
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%).