CB
SBA 7(a) franchise lending portfolio
Community Bank
AVERAGE risk
- Total loans
- 24
- Loan volume
- $2.1M
- Avg loan size
- $88K
- Charge-off rate
- 12.5%
- vs 15.4% national avg
Defaults
3
Avg interest
5.50%
Franchises funded
14
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Pizza Outlet | 6 | $355K | 0.0% (low risk) |
| Subway Sandwich Shop | 4 | $356K | 0.0% (low risk) |
| Anytime Fitness | 2 | $135K | 0.0% (low risk) |
| Crown Trophy | 2 | $105K | 100.0% (very high risk) |
| Novus Windshield Repair | 1 | $35K | 0.0% (low risk) |
| The Brake Shop | 1 | $45K | 0.0% (low risk) |
| Beauty Warehouse | 1 | $160K | 0.0% (low risk) |
| Tcby | 1 | $57K | 0.0% (low risk) |
| The UPS Store | 1 | $150K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $80K | 0.0% (low risk) |
| Cd Warehouse | 1 | $125K | 100.0% (very high risk) |
| Domino's Pizza | 1 | $35K | 0.0% (low risk) |
| Defelice Brothers Pizza | 1 | $40K | 0.0% (low risk) |
| Dickey's Barbecue Pit | 1 | $443K | 0.0% (low risk) |
Lending volume by year
1'94
2'96
5'97
3'98
1'99
2'00
1'01
2'03
3'04
1'06
2'07
1'14
Community Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
100.0% (low risk)
540.0% (very high risk)
425.0% (very high risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$2.1M
Defaults3 of 24
Risk tierAVERAGE
Avg rate5.50%
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 Community Bank originated?
- 24 loans totaling $2.1M. The portfolio carries a 12.5% 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). 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 Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands Community 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.