CB
SBA 7(a) franchise lending portfolio
California Bank of Commerce, NA
Risk rating: High Risk
- Total loans
- 56
- Loan volume
- $21.2M
- Avg loan size
- $378K
- Charge-off rate
- 20.8%
- vs 16.0% national
Charged off
10
Avg interest
6.62%
Franchises funded
41
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Dale Carnegie | 5 | $275K | N/A |
| Massage Envy | 4 | $1.8M | N/A |
| It's A Grind Coffee | 3 | $895K | N/A |
| Quiznos | 3 | $562K | N/A |
| Servpro | 2 | $1.1M | N/A |
| Learning Rx | 2 | $440K | N/A |
| The Pita Pit | 2 | $466K | N/A |
| Proshred Security | 2 | $378K | N/A |
| Servicemaster | 1 | $500K | N/A |
| Baja Fresh Mexican Grill | 1 | $250K | N/A |
| Ace Hardware | 1 | $425K | N/A |
| Nick-N-Willy's Pizza | 1 | $75K | N/A |
| Money Mailer | 1 | $500K | N/A |
| Rocky Mountain Chocolate Facto | 1 | $177K | N/A |
| Burger King | 1 | $937K | N/A |
| Zero's | 1 | $160K | N/A |
| Gymboree | 1 | $500K | N/A |
| Jumpin'juice & Java Lc | 1 | $137K | N/A |
| Pump It Up | 1 | $503K | N/A |
| Subway Sandwich Shop | 1 | $200K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2001 | 2 |
| FY2002 | 2 |
| FY2005 | 5 |
| FY2006 | 7 |
| FY2007 | 4 |
| FY2008 | 5 |
| FY2009 | 3 |
| FY2011 | 1 |
| FY2014 | 6 |
| FY2015 | 4 |
| FY2016 | 2 |
| FY2017 | 2 |
| FY2018 | 5 |
| FY2019 | 2 |
| FY2020 | 2 |
| FY2022 | 1 |
| FY2023 | 2 |
| FY2024 | 1 |
SBA 7(a) · charge-off rate by approval year
California Bank of Commerce, NA 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 |
|---|---|---|---|
| 2005 | 5 | 1 | Too few |
| 2006 | 7 | 3 | Too few |
| 2007 | 4 | 2 | Too few |
| 2008 | 5 | 1 | Too few |
| 2009 | 3 | 0 | Too few |
| 2014 | 6 | 2 | Too few |
| 2015 | 4 | 1 | Too few |
| 2018 | 4 | 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
5520.8% (high risk)
1N/A
Portfolio summary
Total funded$21.2M
Charged off10 of 56
Risk tierHigh Risk
Avg rate6.62%
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 California Bank of Commerce, NA originated?
- 56 loans totaling $21.2M. The portfolio carries a 20.8% charge-off rate, earning a “High Risk” 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. California Bank of Commerce, NA's rate of 20.8% is above 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 California Bank of Commerce, NA fund the most?
- The “Top franchise exposures” table above lists the brands California Bank of Commerce, NA has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.