CB
SBA 7(a) franchise lending portfolio
Colony Bank
Risk rating: Elevated
- Total loans
- 108
- Loan volume
- $58.3M
- Avg loan size
- $540K
- Charge-off rate
- 18.2%
- vs 16.0% national
Charged off
8
Avg interest
8.95%
Franchises funded
93
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Domino's Pizza | 5 | $2.3M | N/A |
| Uniforms For America | 3 | $135K | N/A |
| Econo Lodge Motel | 3 | $3.9M | N/A |
| Jeremiah's Italian Ice | 3 | $1.4M | N/A |
| Budget Inn | 2 | $355K | N/A |
| Blaze Pizza | 2 | $1.1M | N/A |
| The UPS Store (f/k/a Mail Box | 2 | $515K | N/A |
| Wing Snob | 2 | $772K | N/A |
| Pearle Vision | 2 | $710K | N/A |
| Matco Tools | 2 | $300K | N/A |
| Texaco Express Lube & Star Lub | 1 | $190K | N/A |
| Servpro | 1 | $105K | N/A |
| Prodigy Child Development Cent | 1 | $820K | N/A |
| Red Carpet Inn | 1 | $400K | N/A |
| International House Of Pancake | 1 | $1.6M | N/A |
| Curves For Women | 1 | $110K | N/A |
| Diner By Design | 1 | $125K | N/A |
| Molly Maid | 1 | $131K | N/A |
| Days Inn | 1 | $990K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 3 |
| FY1995 | 1 |
| FY1996 | 2 |
| FY1997 | 1 |
| FY1999 | 1 |
| FY2001 | 2 |
| FY2002 | 1 |
| FY2005 | 2 |
| FY2006 | 4 |
| FY2007 | 2 |
| FY2009 | 1 |
| FY2010 | 3 |
| FY2011 | 1 |
| FY2014 | 1 |
| FY2015 | 4 |
| FY2016 | 4 |
| FY2018 | 2 |
| FY2019 | 1 |
| FY2020 | 1 |
| FY2021 | 9 |
| FY2022 | 9 |
| FY2023 | 13 |
| FY2024 | 23 |
| FY2025 | 14 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Colony Bank charge-off rate by loan vintage
None of these 6 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1993 | 3 | 0 | Too few |
| 2006 | 3 | 3 | Too few |
| 2010 | 3 | 0 | Too few |
| 2015 | 4 | 0 | Too few |
| 2016 | 3 | 0 | Too few |
| 2021 | 4 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
4617.6% (elevated)
11N/A
9N/A
5N/A
4N/A
3N/A
3N/A
3N/A
3N/A
3N/A
Portfolio summary
Total funded$58.3M
Charged off8 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Colony Bank's rate of 18.2% is above the national rate.
- 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.