CB
SBA 7(a) franchise lending portfolio
Commercial Bank of California
Risk rating: Average
- Total loans
- 74
- Loan volume
- $121.2M
- Avg loan size
- $1.6M
- Charge-off rate
- 10.6%
- vs 16.0% national
Charged off
5
Avg interest
6.25%
Franchises funded
49
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Black Bear Diners | 6 | $8.1M | N/A |
| Econo Lodge by Choice Hotels/E | 5 | $9.0M | N/A |
| Best Western Inn | 4 | $11.9M | N/A |
| Motel 6 | 4 | $9.2M | N/A |
| Americas Best Value Inn (f/K/A | 3 | $4.8M | N/A |
| Days Inn by Wyndham | 3 | $5.7M | N/A |
| AAMCO Transmissions | 2 | $300K | N/A |
| Yogurtland | 2 | $779K | N/A |
| Studio 6 | 2 | $6.4M | N/A |
| Comfort/ Comfort Inn & Suites/ | 2 | $7.0M | N/A |
| La Quinta Inn | 2 | $9.6M | N/A |
| Popeyes Louisiana Kitchen | 2 | $4.0M | N/A |
| Rodeway Inn by Choice Hotels/R | 2 | $7.8M | N/A |
| Travelodge by Wyndham | 2 | $4.9M | N/A |
| Ben & Jerry's Ice Cream | 1 | $900K | N/A |
| Melt Cafe & Gelato Bar | 1 | $200K | N/A |
| Baskin-Robbins | 1 | $280K | N/A |
| Gymboree | 1 | $70K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY2002 | 1 |
| FY2005 | 2 |
| FY2006 | 1 |
| FY2007 | 3 |
| FY2009 | 1 |
| FY2010 | 1 |
| FY2011 | 2 |
| FY2012 | 1 |
| FY2013 | 3 |
| FY2014 | 2 |
| FY2015 | 9 |
| FY2016 | 5 |
| FY2017 | 11 |
| FY2018 | 8 |
| FY2019 | 3 |
| FY2020 | 3 |
| FY2021 | 6 |
| FY2022 | 3 |
| FY2023 | 2 |
| FY2024 | 2 |
| FY2025 | 2 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
Commercial Bank of California charge-off rate by loan vintage
None of these 6 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2007 | 3 | 2 | Too few |
| 2013 | 3 | 0 | Too few |
| 2015 | 9 | 0 | Too few |
| 2016 | 4 | 0 | Too few |
| 2017 | 8 | 0 | Too few |
| 2020 | 3 | 0 | Too early |
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
5511.6% (average)
3N/A
2N/A
2N/A
1N/A
1N/A
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$121.2M
Charged off5 of 74
Risk tierAverage
Avg rate6.25%
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 of California originated?
- 74 loans totaling $121.2M. The portfolio carries a 10.6% 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). 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. Commercial Bank of California's rate of 10.6% is below 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 Commercial Bank of California fund the most?
- The “Top franchise exposures” table above lists the brands Commercial Bank of California has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.