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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
- Default 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% |
| Massage Envy | 2 | $980K | 0.0% |
| Jimmy John's | 2 | $1.3M | 0.0% |
| Anytime Fitness | 2 | $162K | — |
| Quiznos | 1 | $146K | — |
| Cartridge World | 1 | $82K | 0.0% |
| General Nutrition Center | 1 | $160K | 0.0% |
| Baskin-Robbins 31 Ice Cream | 1 | $200K | 0.0% |
| Smoothie King (health Food Sto | 1 | $98K | 0.0% |
| Daylight Donut Shop | 1 | $28K | 100.0% |
| Mazzio's Pizza | 1 | $339K | 0.0% |
| Classic Star Group (Distributo | 1 | $1.8M | 0.0% |
| Ace Hardware | 1 | $555K | — |
| Subway | 1 | $235K | 0.0% |
| Fuzzy's Taco Shop | 1 | $350K | 0.0% |
| Camp Bow Wow | 1 | $840K | — |
| Comet One-Hour Dry Cleaners | 1 | $295K | 0.0% |
| Simple Simon's Pizza | 1 | $73K | 0.0% |
| Ford Motor Company Dealer Sale | 1 | $3.2M | — |
| Filta Environmental Kitchen So | 1 | $76K | 0.0% |
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%
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
Default 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%), Critical (>20%).