CB
SBA 7(a) franchise lending portfolio
Commercial Bank
EXCELLENT risk
- Total loans
- 25
- Loan volume
- $5.5M
- Avg loan size
- $220K
- Charge-off rate
- 4.2%
- vs 15.4% national avg
Defaults
1
Avg interest
5.40%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 6 | $399K | 0.0% (low risk) |
| Biggby Coffee | 3 | $634K | 0.0% (low risk) |
| Edible Arrangements | 2 | $320K | 0.0% (low risk) |
| Huntington Learning Center | 1 | $25K | 0.0% (low risk) |
| Sears Catalog Store | 1 | $80K | 0.0% (low risk) |
| Allegra Print | 1 | $350K | 100.0% (very high risk) |
| Allstate Insurance | 1 | $30K | 0.0% (low risk) |
| Global Donuts And Deli | 1 | $110K | 0.0% (low risk) |
| Radio Shack | 1 | $65K | 0.0% (low risk) |
| Sonic Drive-In | 1 | $200K | 0.0% (low risk) |
| Big Boy | 1 | $490K | 0.0% (low risk) |
| Firehouse Subs | 1 | $150K | 0.0% (low risk) |
| Fantastic Sam's | 1 | $180K | 0.0% (low risk) |
| Bojangles | 1 | $1.4M | 0.0% (low risk) |
| Century 21 | 1 | $659K | 0.0% (low risk) |
| Tailored Living | 1 | $110K | 0.0% (low risk) |
| Charleys Philly Steaks | 1 | $300K | N/A |
Lending volume by year
1'95
1'99
2'03
4'04
4'08
1'09
1'10
1'12
1'13
3'14
2'15
1'16
1'17
1'21
1'22
Commercial Bank charge-off rate by loan vintage
BrandNational avg
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 Commercial Bank originated?
- 25 loans totaling $5.5M. The portfolio carries a 4.2% 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 Commercial Bank fund the most?
- The “Top franchise exposures” table above lists the brands Commercial 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.