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SBA 7(a) franchise lending portfolio
City National Bank of West Virginia
CRITICAL risk
- Total loans
- 32
- Loan volume
- $3.9M
- Avg loan size
- $122K
- Default rate
- 31.3%
- vs 15.4% national avg
Defaults
10
Avg interest
7.50%
Franchises funded
23
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servpro | 5 | $434K | 0.0% |
| Subway Sandwich Shop | 3 | $177K | 0.0% |
| Fox's Pizza Den | 2 | $118K | 100.0% |
| Mail Boxes Etc. Usa | 2 | $108K | 0.0% |
| Snap Fitness | 2 | $335K | 0.0% |
| Matco Tools (rent Tools) | 1 | $38K | 0.0% |
| Val Pak | 1 | $75K | 100.0% |
| Servicemaster | 1 | $48K | 0.0% |
| Padgett Business Service | 1 | $40K | 0.0% |
| Petland | 1 | $165K | 100.0% |
| Western Auto Store | 1 | $293K | 100.0% |
| A & W Restaurant | 1 | $300K | 100.0% |
| Bath Fitters Franchising, Inc. | 1 | $55K | 0.0% |
| Candy Bouquet | 1 | $70K | 100.0% |
| Spring-Green Lawn Care | 1 | $32K | 0.0% |
| Ace Hardware | 1 | $500K | 0.0% |
| Long John Silver's | 1 | $350K | 100.0% |
| Cornwell Quality Tool Company, | 1 | $37K | 0.0% |
| Kiddie Academy | 1 | $275K | 100.0% |
| Roly Poly | 1 | $45K | 0.0% |
Lending volume by year
1'94
1'95
1'96
5'97
2'98
3'99
7'00
1'01
1'02
1'03
2'05
1'07
1'08
2'09
2'10
1'12
City National Bank of West Virginia default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$3.9M
Defaults10 of 32
Risk tierCRITICAL
Avg rate7.50%
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%).