CB
SBA 7(a) franchise lending portfolio
California Bank of Commerce, NA
CRITICAL risk
- Total loans
- 56
- Loan volume
- $21.2M
- Avg loan size
- $378K
- Charge-off 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% (low risk) |
| Massage Envy | 4 | $1.8M | 75.0% (very high risk) |
| It's A Grind Coffee | 3 | $895K | 0.0% (low risk) |
| Quiznos | 3 | $562K | 0.0% (low risk) |
| Servpro | 2 | $1.1M | 0.0% (low risk) |
| Learning Rx | 2 | $440K | 0.0% (low risk) |
| The Pita Pit | 2 | $466K | 0.0% (low risk) |
| Proshred Security | 2 | $378K | 0.0% (low risk) |
| Servicemaster | 1 | $500K | 0.0% (low risk) |
| Baja Fresh Mexican Grill | 1 | $250K | 0.0% (low risk) |
| Ace Hardware | 1 | $425K | 100.0% (very high risk) |
| Nick-N-Willy's Pizza | 1 | $75K | 0.0% (low risk) |
| Money Mailer | 1 | $500K | 0.0% (low risk) |
| Rocky Mountain Chocolate Facto | 1 | $177K | 100.0% (very high risk) |
| Burger King | 1 | $937K | 0.0% (low risk) |
| Zero's | 1 | $160K | 100.0% (very high risk) |
| Gymboree | 1 | $500K | 100.0% (very high risk) |
| Jumpin'juice & Java Lc | 1 | $137K | 100.0% (very high risk) |
| Pump It Up | 1 | $503K | 100.0% (very high risk) |
| Subway Sandwich Shop | 1 | $200K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
5520.8% (very high risk)
1N/A
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
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 “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 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.