CB
SBA 7(a) franchise lending portfolio
Comerica Bank
Risk rating: High Risk
- Total loans
- 1,811
- Loan volume
- $769.0M
- Avg loan size
- $425K
- Charge-off rate
- 33.0%
- vs 16.0% national
Charged off
586
Avg interest
6.06%
Franchises funded
416
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Cold Stone Creamery, Inc. | 158 | $42.1M | 36.7% (high risk) |
| Cici's Pizza | 94 | $27.1M | 21.3% (high risk) |
| Beef O'brady's | 49 | $18.3M | 65.3% (high risk) |
| Subway Sandwich Shop | 48 | $10.7M | 8.3% (good) |
| Quiznos | 42 | $6.4M | 38.1% (high risk) |
| Baskin-Robbins 31 Ice Cream | 42 | $9.9M | 52.4% (high risk) |
| Dunkin Donuts | 32 | $18.9M | 37.5% (high risk) |
| MAACO Auto Painting Center | 29 | $14.8M | 55.2% (high risk) |
| Sports Clips | 26 | $3.0M | 3.8% (excellent) |
| Petland | 24 | $12.8M | 54.2% (high risk) |
| Mellow Mushroom | 24 | $16.1M | 8.3% (good) |
| Melting Pot | 20 | $14.8M | 40.0% (high risk) |
| Schlotzsky's Sandwich Shop | 19 | $11.2M | 31.6% (high risk) |
| Planet Beach | 19 | $6.2M | 89.5% (high risk) |
| Days Inn | 18 | $17.7M | 16.7% (elevated) |
| Edible Arrangements | 18 | $3.9M | 16.7% (elevated) |
| Zaxby's | 18 | $12.0M | 11.1% (average) |
| Travelodge | 16 | $13.8M | 0.0% (excellent) |
| Wingstop Restaurant | 16 | $3.9M | 43.8% (high risk) |
| Best Western Inn | 15 | $13.5M | 0.0% (excellent) |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 4 |
| FY1993 | 17 |
| FY1994 | 20 |
| FY1995 | 27 |
| FY1996 | 35 |
| FY1997 | 74 |
| FY1998 | 52 |
| FY1999 | 48 |
| FY2000 | 100 |
| FY2001 | 114 |
| FY2002 | 154 |
| FY2003 | 238 |
| FY2004 | 296 |
| FY2005 | 248 |
| FY2006 | 132 |
| FY2007 | 103 |
| FY2008 | 84 |
| FY2009 | 5 |
| FY2010 | 2 |
| FY2012 | 1 |
| FY2013 | 2 |
| FY2014 | 2 |
| FY2015 | 8 |
| FY2016 | 3 |
| FY2017 | 4 |
| FY2018 | 4 |
| FY2019 | 4 |
| FY2020 | 4 |
| FY2021 | 8 |
| FY2022 | 7 |
| FY2023 | 3 |
| FY2024 | 4 |
| FY2025 | 3 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Comerica Bank: above all franchise loans in 13 of 16 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 4 | 0 | Too few |
| 1993 | 17 | 5 | 29.4% |
| 1994 | 20 | 5 | 25.0% |
| 1995 | 27 | 7 | 25.9% |
| 1996 | 35 | 6 | 17.1% |
| 1997 | 71 | 11 | 15.5% |
| 1998 | 52 | 9 | 17.3% |
| 1999 | 48 | 11 | 22.9% |
| 2000 | 100 | 17 | 17.0% |
| 2001 | 114 | 27 | 23.7% |
| 2002 | 154 | 32 | 20.8% |
| 2003 | 238 | 88 | 37.0% |
| 2004 | 295 | 110 | 37.3% |
| 2005 | 247 | 96 | 38.9% |
| 2006 | 132 | 67 | 50.8% |
| 2007 | 103 | 56 | 54.4% |
| 2008 | 83 | 37 | 44.6% |
| 2009 | 5 | 1 | Too few |
| 2015 | 8 | 0 | Too few |
| 2017 | 3 | 0 | Too few |
| 2018 | 4 | 1 | Too few |
| 2019 | 4 | 0 | Too few |
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
49731.7% (high risk)
38518.6% (elevated)
17045.3% (high risk)
13635.2% (high risk)
6943.5% (high risk)
6217.7% (elevated)
6041.7% (high risk)
5052.0% (high risk)
3342.4% (high risk)
2935.7% (high risk)
Portfolio summary
Total funded$769.0M
Charged off586 of 1,811
Risk tierHigh Risk
Avg rate6.06%
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 Comerica Bank originated?
- 1,811 loans totaling $769.0M. The portfolio carries a 33.0% charge-off rate, earning a “High Risk” 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. Comerica Bank's rate of 33.0% 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 Comerica Bank fund the most?
- The “Top franchise exposures” table above lists the brands Comerica 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.