CB
SBA 7(a) franchise lending portfolio
Colony Bank
ELEVATED risk
- Total loans
- 108
- Loan volume
- $58.3M
- Avg loan size
- $540K
- Charge-off rate
- 18.2%
- vs 15.4% national avg
Defaults
8
Avg interest
8.95%
Franchises funded
93
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Uniforms For America | 3 | $135K | 33.3% (very high risk) |
| Econo Lodge Motel | 3 | $3.9M | 33.3% (very high risk) |
| Domino's Pizza | 3 | $2.0M | 0.0% (low risk) |
| Jeremiah's Italian Ice | 3 | $1.4M | N/A |
| Budget Inn | 2 | $355K | 0.0% (low risk) |
| Blaze Pizza | 2 | $1.1M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 2 | $515K | N/A |
| Wing Snob | 2 | $772K | N/A |
| Pearle Vision | 2 | $710K | N/A |
| Domino's | 2 | $300K | N/A |
| Matco Tools | 2 | $300K | N/A |
| Texaco Express Lube & Star Lub | 1 | $190K | 0.0% (low risk) |
| Servpro | 1 | $105K | 0.0% (low risk) |
| Prodigy Child Development Cent | 1 | $820K | 0.0% (low risk) |
| Red Carpet Inn | 1 | $400K | 0.0% (low risk) |
| International House Of Pancake | 1 | $1.6M | N/A |
| Curves For Women | 1 | $110K | 0.0% (low risk) |
| Diner By Design | 1 | $125K | 100.0% (very high risk) |
| Molly Maid | 1 | $131K | 0.0% (low risk) |
| Days Inn | 1 | $990K | 100.0% (very high risk) |
Lending volume by year
2'92
3
1
2
1
1'99
2
1
2
4
2'07
1
3
1
1
4'15
4
2
1
1
9'21
9
13
23
14
1'26
Colony Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
4617.6% (high risk)
11N/A
90.0% (low risk)
525.0% (very high risk)
4N/A
3N/A
3N/A
3N/A
3N/A
350.0% (very high risk)
Portfolio summary
Total funded$58.3M
Defaults8 of 108
Risk tierELEVATED
Avg rate8.95%
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 Colony Bank originated?
- 108 loans totaling $58.3M. The portfolio carries a 18.2% charge-off rate, earning a “ELEVATED” 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 Colony Bank fund the most?
- The “Top franchise exposures” table above lists the brands Colony 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.