CB
SBA 7(a) franchise lending portfolio
Comerica Bank-Texas
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $4.6M
- Avg loan size
- $415K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
N/A
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Precision Tune | 2 | $350K | 0.0% (low risk) |
| Zuzu's Handmade Mexican Food | 1 | $432K | 0.0% (low risk) |
| All Tune And Lube | 1 | $68K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $100K | 0.0% (low risk) |
| Ace Hardware | 1 | $588K | 0.0% (low risk) |
| Fastsigns | 1 | $175K | 0.0% (low risk) |
| Sleep Inn Motel | 1 | $1.3M | 0.0% (low risk) |
| Uncle Sam Covenient Store | 1 | $1.1M | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $112K | 0.0% (low risk) |
| Creaters & Freighters | 1 | $325K | 0.0% (low risk) |
Lending volume by year
2'94
3'96
2'00
3'02
1'03
Geographic exposure
80.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$4.6M
Defaults0 of 11
Risk tierEXCELLENT
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-Texas originated?
- 11 loans totaling $4.6M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Comerica Bank-Texas fund the most?
- The “Top franchise exposures” table above lists the brands Comerica Bank-Texas has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.