CB
SBA 7(a) franchise lending portfolio
Columbia Bank
Risk rating: Average
- Total loans
- 1,100
- Loan volume
- $762.4M
- Avg loan size
- $693K
- Charge-off rate
- 13.6%
- vs 16.0% national
Charged off
131
Avg interest
6.27%
Franchises funded
459
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 43 | $9.5M | 2.3% (excellent) |
| Mail Boxes Etc. Usa | 43 | $7.7M | 13.2% (average) |
| Chevron (gas Station) | 28 | $29.3M | 4.3% (excellent) |
| Quiznos | 25 | $3.6M | 4.0% (excellent) |
| Days Inn | 19 | $25.5M | 11.1% (average) |
| Quality Inn/Quality Suites, Ho | 16 | $34.3M | 0.0% (excellent) |
| Shell Service Station | 14 | $15.7M | 0.0% (excellent) |
| Dairy Queen | 13 | $3.5M | 0.0% (excellent) |
| Best Western Inn | 13 | $39.4M | 8.3% (good) |
| Cold Stone Creamery, Inc. | 12 | $2.9M | 50.0% (high risk) |
| Minuteman Press | 10 | $1.4M | 40.0% (high risk) |
| Taco Del Mar | 10 | $1.9M | 20.0% (high risk) |
| Comfort/ Comfort Inn & Suites/ | 10 | $28.4M | N/A |
| Super 8 Motel | 9 | $9.1M | N/A |
| Juice It Up | 9 | $1.7M | N/A |
| Blimpie | 8 | $948K | N/A |
| Play It Again Sports (retail S | 8 | $1.2M | N/A |
| Great Clips | 8 | $661K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 14 |
| FY1993 | 18 |
| FY1994 | 18 |
| FY1995 | 25 |
| FY1996 | 19 |
| FY1997 | 19 |
| FY1998 | 35 |
| FY1999 | 35 |
| FY2000 | 25 |
| FY2001 | 32 |
| FY2002 | 35 |
| FY2003 | 33 |
| FY2004 | 64 |
| FY2005 | 73 |
| FY2006 | 55 |
| FY2007 | 37 |
| FY2008 | 25 |
| FY2009 | 15 |
| FY2010 | 25 |
| FY2011 | 23 |
| FY2012 | 19 |
| FY2013 | 32 |
| FY2014 | 46 |
| FY2015 | 69 |
| FY2016 | 42 |
| FY2017 | 58 |
| FY2018 | 61 |
| FY2019 | 32 |
| FY2020 | 32 |
| FY2021 | 29 |
| FY2022 | 22 |
| FY2023 | 16 |
| FY2024 | 9 |
| FY2025 | 7 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Columbia Bank: below all franchise loans in 24 of 30 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (recent years: too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 14 | 1 | 7.1% |
| 1993 | 18 | 2 | 11.1% |
| 1994 | 18 | 1 | 5.6% |
| 1995 | 25 | 3 | 12.0% |
| 1996 | 19 | 2 | 10.5% |
| 1997 | 19 | 1 | 5.3% |
| 1998 | 35 | 6 | 17.1% |
| 1999 | 35 | 4 | 11.4% |
| 2000 | 25 | 3 | 12.0% |
| 2001 | 32 | 3 | 9.4% |
| 2002 | 35 | 3 | 8.6% |
| 2003 | 33 | 4 | 12.1% |
| 2004 | 63 | 11 | 17.5% |
| 2005 | 73 | 9 | 12.3% |
| 2006 | 55 | 24 | 43.6% |
| 2007 | 37 | 19 | 51.4% |
| 2008 | 25 | 6 | 24.0% |
| 2009 | 15 | 3 | 20.0% |
| 2010 | 25 | 1 | 4.0% |
| 2011 | 22 | 1 | 4.5% |
| 2012 | 16 | 0 | 0.0% |
| 2013 | 30 | 2 | 6.7% |
| 2014 | 45 | 2 | 4.4% |
| 2015 | 63 | 4 | 6.3% |
| 2016 | 37 | 1 | 2.7% |
| 2017 | 41 | 4 | 9.8% |
| 2018 | 45 | 6 | 13.3% |
| 2019 | 20 | 1 | 5.0% |
| 2020 | 21 | 3 | 14.3% |
| 2021 | 12 | 0 | 0.0% |
| 2022 | 5 | 1 | Too early |
| 2023 | 5 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
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
39817.8% (elevated)
19210.9% (average)
18313.2% (average)
4719.5% (elevated)
460.0% (excellent)
3525.0% (high risk)
3213.3% (average)
1818.8% (elevated)
167.7% (good)
160.0% (excellent)
Portfolio summary
Total funded$762.4M
Charged off131 of 1,100
Risk tierAverage
Avg rate6.27%
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 Columbia Bank originated?
- 1,100 loans totaling $762.4M. The portfolio carries a 13.6% charge-off rate, earning a “Average” 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. Columbia Bank's rate of 13.6% is below 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 Columbia Bank fund the most?
- The “Top franchise exposures” table above lists the brands Columbia 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.