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SBA 7(a) franchise lending portfolio
CNB Bank
EXCELLENT risk
- Total loans
- 34
- Loan volume
- $14.0M
- Avg loan size
- $411K
- Default rate
- 3.6%
- vs 15.4% national avg
Defaults
1
Avg interest
6.73%
Franchises funded
22
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin Donuts | 5 | $3.7M | 0.0% |
| Rita's Real Italian Water Ice | 5 | $700K | 0.0% |
| The UPS Store (f/k/a Mail Box | 3 | $954K | 0.0% |
| Bounceu | 2 | $1.1M | 0.0% |
| Chocolate Works | 2 | $325K | 0.0% |
| Speedy Sign-O-Rama | 1 | $25K | 0.0% |
| Arby's | 1 | $635K | 0.0% |
| Salsarita's | 1 | $220K | 0.0% |
| Express Personnel Services | 1 | $75K | 0.0% |
| Subway Sandwich Shop | 1 | $72K | 0.0% |
| Rad Air Complete Car Care | 1 | $194K | 0.0% |
| Edible Arrangements | 1 | $225K | 0.0% |
| Huntington Learning Center | 1 | $890K | 100.0% |
| True Value Hardware | 1 | $147K | 0.0% |
| The UPS Store | 1 | $150K | 0.0% |
| Bright Star Healthcare/Brights | 1 | $150K | 0.0% |
| Anytime Fitness | 1 | $165K | 0.0% |
| Tutoring Club | 1 | $305K | — |
| Garage Kings | 1 | $195K | 0.0% |
| Bubbles Tea & Juice Company | 1 | $190K | — |
Lending volume by year
2'96
1'02
2'04
2'05
1'06
5'07
1'08
2'09
2'10
1'14
4'15
3'16
1'18
2'21
2'23
3'24
CNB Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$14.0M
Defaults1 of 34
Risk tierEXCELLENT
Avg rate6.73%
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%).