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SBA 7(a) franchise lending portfolio
Columbia Bank
AVERAGE risk
- Total loans
- 1,100
- Loan volume
- $762.4M
- Avg loan size
- $693K
- Default 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% |
| Chevron (gas Station) | 28 | $29.3M | 4.3% |
| Quiznos | 25 | $3.6M | 4.0% |
| Mail Boxes Etc. Usa | 23 | $2.8M | 13.0% |
| Days Inn | 19 | $25.5M | 11.1% |
| Quality Inn/Quality Suites, Ho | 16 | $34.3M | 0.0% |
| Shell Service Station | 14 | $15.7M | 0.0% |
| Dairy Queen | 13 | $3.5M | 0.0% |
| Best Western Inn | 13 | $39.4M | 8.3% |
| Cold Stone Creamery, Inc. | 12 | $2.9M | 50.0% |
| Minuteman Press | 10 | $1.4M | 40.0% |
| The UPS Store | 10 | $1.6M | 20.0% |
| Taco Del Mar | 10 | $1.9M | 20.0% |
| Comfort/ Comfort Inn & Suites/ | 10 | $28.4M | 0.0% |
| The UPS Store (f/k/a Mail Box | 10 | $3.3M | 0.0% |
| Super 8 Motel | 9 | $9.1M | 11.1% |
| Juice It Up | 9 | $1.7M | 33.3% |
| Blimpie | 8 | $948K | 25.0% |
| Play It Again Sports (retail S | 8 | $1.2M | 37.5% |
| Great Clips | 8 | $661K | 0.0% |
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 default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
39817.8%
19210.9%
18313.2%
4719.5%
460.0%
3525.0%
3213.3%
1818.8%
167.7%
160.0%
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
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%).