CB
SBA 7(a) franchise lending portfolio
Commercial Bank of Texas N.A.
ELEVATED risk
- Total loans
- 27
- Loan volume
- $15.6M
- Avg loan size
- $579K
- Charge-off rate
- 16.7%
- vs 15.4% national avg
Defaults
3
Avg interest
5.99%
Franchises funded
22
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dickey's Barbeque | 3 | $2.4M | 66.7% (very high risk) |
| Massage Envy | 2 | $980K | 0.0% (low risk) |
| Jimmy John's | 2 | $1.3M | 0.0% (low risk) |
| Anytime Fitness | 2 | $162K | N/A |
| Quiznos | 1 | $146K | N/A |
| Cartridge World | 1 | $82K | 0.0% (low risk) |
| General Nutrition Center | 1 | $160K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 1 | $200K | 0.0% (low risk) |
| Smoothie King (health Food Sto | 1 | $98K | 0.0% (low risk) |
| Daylight Donut Shop | 1 | $28K | 100.0% (very high risk) |
| Mazzio's Pizza | 1 | $339K | 0.0% (low risk) |
| Classic Star Group (Distributo | 1 | $1.8M | 0.0% (low risk) |
| Ace Hardware | 1 | $555K | N/A |
| Subway | 1 | $235K | 0.0% (low risk) |
| Fuzzy's Taco Shop | 1 | $350K | 0.0% (low risk) |
| Camp Bow Wow | 1 | $840K | N/A |
| Comet One-Hour Dry Cleaners | 1 | $295K | 0.0% (low risk) |
| Simple Simon's Pizza | 1 | $73K | 0.0% (low risk) |
| Ford Motor Company Dealer Sale | 1 | $3.2M | N/A |
| Filta Environmental Kitchen So | 1 | $76K | 0.0% (low risk) |
Lending volume by year
2'01
1'03
2'06
2'07
1'08
1'09
4'11
1'12
3'15
3'16
1'18
2'20
3'22
1'24
Geographic exposure
2716.7% (high risk)
Portfolio summary
Total funded$15.6M
Defaults3 of 27
Risk tierELEVATED
Avg rate5.99%
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 Texas N.A. originated?
- 27 loans totaling $15.6M. The portfolio carries a 16.7% charge-off rate, earning a “ELEVATED” 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 of Texas N.A. fund the most?
- The “Top franchise exposures” table above lists the brands Commercial Bank of Texas N.A. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.