CB
SBA 7(a) franchise lending portfolio
Columbia Bank
AVERAGE risk
- Total loans
- 1,100
- Loan volume
- $762.4M
- Avg loan size
- $693K
- Charge-off rate
- 13.6%
- vs 15.4% national avg
Defaults
131
Avg interest
6.27%
Franchises funded
459
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 43 | $9.5M | 2.3% (low risk) |
| Chevron (gas Station) | 28 | $29.3M | 4.3% (low risk) |
| Quiznos | 25 | $3.6M | 4.0% (low risk) |
| Mail Boxes Etc. Usa | 23 | $2.8M | 13.0% (elevated risk) |
| Days Inn | 19 | $25.5M | 11.1% (elevated risk) |
| Quality Inn/Quality Suites, Ho | 16 | $34.3M | 0.0% (low risk) |
| Shell Service Station | 14 | $15.7M | 0.0% (low risk) |
| Dairy Queen | 13 | $3.5M | 0.0% (low risk) |
| Best Western Inn | 13 | $39.4M | 8.3% (moderate risk) |
| Cold Stone Creamery, Inc. | 12 | $2.9M | 50.0% (very high risk) |
| Minuteman Press | 10 | $1.4M | 40.0% (very high risk) |
| The UPS Store | 10 | $1.6M | 20.0% (very high risk) |
| Taco Del Mar | 10 | $1.9M | 20.0% (very high risk) |
| Comfort/ Comfort Inn & Suites/ | 10 | $28.4M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 10 | $3.3M | 0.0% (low risk) |
| Super 8 Motel | 9 | $9.1M | 11.1% (elevated risk) |
| Juice It Up | 9 | $1.7M | 33.3% (very high risk) |
| Blimpie | 8 | $948K | 25.0% (very high risk) |
| Play It Again Sports (retail S | 8 | $1.2M | 37.5% (very high risk) |
| Great Clips | 8 | $661K | 0.0% (low risk) |
Lending volume by year
14'92
18
18
25
19
19'97
35
35
25
32
35'02
33
64
73
55
37'07
25
15
25
23
19'12
32
46
69
42
58'17
61
32
32
29
22'22
16
9
7
1'26
Columbia Bank charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
39817.8% (high risk)
19210.9% (elevated risk)
18313.2% (elevated risk)
4719.5% (high risk)
460.0% (low risk)
3525.0% (very high risk)
3213.3% (elevated risk)
1818.8% (high risk)
167.7% (moderate risk)
160.0% (low risk)
Portfolio summary
Total funded$762.4M
Defaults131 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). 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 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.