CB
SBA 7(a) franchise lending portfolio
CNB Bank
EXCELLENT risk
- Total loans
- 34
- Loan volume
- $14.0M
- Avg loan size
- $411K
- Charge-off 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% (low risk) |
| Rita's Real Italian Water Ice | 5 | $700K | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 3 | $954K | 0.0% (low risk) |
| Bounceu | 2 | $1.1M | 0.0% (low risk) |
| Chocolate Works | 2 | $325K | 0.0% (low risk) |
| Speedy Sign-O-Rama | 1 | $25K | 0.0% (low risk) |
| Arby's | 1 | $635K | 0.0% (low risk) |
| Salsarita's | 1 | $220K | 0.0% (low risk) |
| Express Personnel Services | 1 | $75K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $72K | 0.0% (low risk) |
| Rad Air Complete Car Care | 1 | $194K | 0.0% (low risk) |
| Edible Arrangements | 1 | $225K | 0.0% (low risk) |
| Huntington Learning Center | 1 | $890K | 100.0% (very high risk) |
| True Value Hardware | 1 | $147K | 0.0% (low risk) |
| The UPS Store | 1 | $150K | 0.0% (low risk) |
| Bright Star Healthcare/Brights | 1 | $150K | 0.0% (low risk) |
| Anytime Fitness | 1 | $165K | 0.0% (low risk) |
| Tutoring Club | 1 | $305K | N/A |
| Garage Kings | 1 | $195K | 0.0% (low risk) |
| Bubbles Tea & Juice Company | 1 | $190K | N/A |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
205.6% (moderate risk)
50.0% (low risk)
40.0% (low risk)
30.0% (low risk)
10.0% (low risk)
10.0% (low risk)
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
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 CNB Bank originated?
- 34 loans totaling $14.0M. The portfolio carries a 3.6% 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 CNB Bank fund the most?
- The “Top franchise exposures” table above lists the brands CNB Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.