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SBA 7(a) franchise lending portfolio
Colony Bank
ELEVATED risk
- Total loans
- 108
- Loan volume
- $58.3M
- Avg loan size
- $540K
- Default 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% |
| Econo Lodge Motel | 3 | $3.9M | 33.3% |
| Domino's Pizza | 3 | $2.0M | 0.0% |
| Jeremiah's Italian Ice | 3 | $1.4M | — |
| Budget Inn | 2 | $355K | 0.0% |
| Blaze Pizza | 2 | $1.1M | 0.0% |
| The UPS Store (f/k/a Mail Box | 2 | $515K | — |
| Wing Snob | 2 | $772K | — |
| Pearle Vision | 2 | $710K | — |
| Domino's | 2 | $300K | — |
| Matco Tools | 2 | $300K | — |
| Texaco Express Lube & Star Lub | 1 | $190K | 0.0% |
| Servpro | 1 | $105K | 0.0% |
| Prodigy Child Development Cent | 1 | $820K | 0.0% |
| Red Carpet Inn | 1 | $400K | 0.0% |
| International House Of Pancake | 1 | $1.6M | — |
| Curves For Women | 1 | $110K | 0.0% |
| Diner By Design | 1 | $125K | 100.0% |
| Molly Maid | 1 | $131K | 0.0% |
| Days Inn | 1 | $990K | 100.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
4617.6%
11—
90.0%
525.0%
4—
3—
3—
350.0%
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
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%).