CL
SBA 7(a) franchise lending portfolio
Clear Lake Bank & Trust Company
EXCELLENT risk
- Total loans
- 16
- Loan volume
- $4.2M
- Avg loan size
- $261K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.64%
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 3 | $357K | 0.0% (low risk) |
| Servpro | 3 | $1.7M | N/A |
| Pretzelmaker | 2 | $225K | 0.0% (low risk) |
| Ben Franklin Store | 1 | $175K | 0.0% (low risk) |
| Kentucky Fried Chicken | 1 | $284K | 0.0% (low risk) |
| Taco Bell | 1 | $100K | 0.0% (low risk) |
| Ace Hardware | 1 | $120K | 0.0% (low risk) |
| Ford Motor (dealers) | 1 | $500K | 0.0% (low risk) |
| Erbert & Gerbert's Subs & Club | 1 | $330K | 0.0% (low risk) |
| Batteries Plus | 1 | $116K | 0.0% (low risk) |
| Line-X | 1 | $220K | N/A |
Lending volume by year
1'93
1'01
1'08
1'10
1'11
1'12
1'13
1'15
2'16
1'17
1'21
2'22
1'24
1'25
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 Clear Lake Bank & Trust Company originated?
- 16 loans totaling $4.2M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Clear Lake Bank & Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands Clear Lake Bank & Trust Company has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.