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SBA 7(a) franchise lending portfolio
Community Bank, National Association
EXCELLENT risk
- Total loans
- 63
- Loan volume
- $11.4M
- Avg loan size
- $181K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.57%
Franchises funded
42
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 12 | $1.2M | 0.0% |
| Subway | 3 | $270K | 0.0% |
| Subway | 3 | $540K | 0.0% |
| Econo Lodge Motel | 2 | $2.5M | 0.0% |
| Chrysler | 2 | $331K | 0.0% |
| Instant Imprints | 2 | $148K | 0.0% |
| Sonic | 2 | $1.5M | 0.0% |
| Save-A-Lot Food Stores | 2 | $565K | 0.0% |
| Save - A - Lot | 2 | $522K | 0.0% |
| Color Tile | 1 | $150K | 0.0% |
| Hallmark Card Shop | 1 | $125K | 0.0% |
| Naturalawn | 1 | $50K | 0.0% |
| Allison's Place | 1 | $51K | 0.0% |
| Matco Tools (rent Tools) | 1 | $52K | 0.0% |
| Snap-On-Tools | 1 | $91K | 0.0% |
| NAPA Auto Parts | 1 | $252K | 0.0% |
| Nice N Easy Grocery Shoppes | 1 | $400K | 0.0% |
| Eagle Cleaners | 1 | $185K | 0.0% |
| Cinema 'n' Drafthouse | 1 | $135K | 0.0% |
| Agway | 1 | $237K | 0.0% |
Lending volume by year
1'92
2
2
2
4
1'98
4
1
4
4
1'03
5
3
2
1
3'10
2
2
3
4
4'15
2
1
1
1
1'21
1
1'23
Community Bank, National Association default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$11.4M
Defaults0 of 63
Risk tierEXCELLENT
Avg rate5.57%
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%).