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SBA 7(a) franchise lending portfolio
California Bank of Commerce, NA
CRITICAL risk
- Total loans
- 56
- Loan volume
- $21.2M
- Avg loan size
- $378K
- Default rate
- 20.8%
- vs 15.4% national avg
Defaults
10
Avg interest
6.62%
Franchises funded
41
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dale Carnegie | 5 | $275K | 0.0% |
| Massage Envy | 4 | $1.8M | 75.0% |
| It's A Grind Coffee | 3 | $895K | 0.0% |
| Quiznos | 3 | $562K | 0.0% |
| Servpro | 2 | $1.1M | 0.0% |
| Learning Rx | 2 | $440K | 0.0% |
| The Pita Pit | 2 | $466K | 0.0% |
| Proshred Security | 2 | $378K | 0.0% |
| Servicemaster | 1 | $500K | 0.0% |
| Baja Fresh Mexican Grill | 1 | $250K | 0.0% |
| Ace Hardware | 1 | $425K | 100.0% |
| Nick-N-Willy's Pizza | 1 | $75K | 0.0% |
| Money Mailer | 1 | $500K | 0.0% |
| Rocky Mountain Chocolate Facto | 1 | $177K | 100.0% |
| Burger King | 1 | $937K | 0.0% |
| Zero's | 1 | $160K | 100.0% |
| Gymboree | 1 | $500K | 100.0% |
| Jumpin'juice & Java Lc | 1 | $137K | 100.0% |
| Pump It Up | 1 | $503K | 100.0% |
| Subway Sandwich Shop | 1 | $200K | 0.0% |
Lending volume by year
2'01
2'02
5'05
7'06
4'07
5'08
3'09
1'11
6'14
4'15
2'16
2'17
5'18
2'19
2'20
1'22
2'23
1'24
California Bank of Commerce, NA default rate by loan vintage
BrandNational avg
Geographic exposure
5520.8%
1—
Portfolio summary
Total funded$21.2M
Defaults10 of 56
Risk tierCRITICAL
Avg rate6.62%
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%).