![Community Bank logo](https://cdn.brandfetch.io/communitybank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Community Bank
AVERAGE risk
- Total loans
- 24
- Loan volume
- $2.1M
- Avg loan size
- $88K
- Default 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% |
| Subway Sandwich Shop | 4 | $356K | 0.0% |
| Anytime Fitness | 2 | $135K | 0.0% |
| Crown Trophy | 2 | $105K | 100.0% |
| Novus Windshield Repair | 1 | $35K | 0.0% |
| The Brake Shop | 1 | $45K | 0.0% |
| Beauty Warehouse | 1 | $160K | 0.0% |
| Tcby | 1 | $57K | 0.0% |
| The UPS Store | 1 | $150K | 0.0% |
| Play It Again Sports (retail S | 1 | $80K | 0.0% |
| Cd Warehouse | 1 | $125K | 100.0% |
| Domino's Pizza | 1 | $35K | 0.0% |
| Defelice Brothers Pizza | 1 | $40K | 0.0% |
| Dickey's Barbecue Pit | 1 | $443K | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
100.0%
540.0%
425.0%
10.0%
10.0%
10.0%
10.0%
10.0%
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
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%).