CB
SBA 7(a) franchise lending portfolio
Community Bank, National Association
Risk rating: Excellent
- Total loans
- 63
- Loan volume
- $11.4M
- Avg loan size
- $181K
- Charge-off rate
- 0.0%
- vs 16.0% national
Charged off
0
Avg interest
5.57%
Franchises funded
42
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 18 | $2.0M | 0.0% (excellent) |
| Econo Lodge Motel | 2 | $2.5M | N/A |
| Chrysler | 2 | $331K | N/A |
| Instant Imprints | 2 | $148K | N/A |
| Sonic | 2 | $1.5M | N/A |
| Save-A-Lot Food Stores | 2 | $565K | N/A |
| Save - A - Lot | 2 | $522K | N/A |
| Color Tile | 1 | $150K | N/A |
| Hallmark Card Shop | 1 | $125K | N/A |
| Naturalawn | 1 | $50K | N/A |
| Allison's Place | 1 | $51K | N/A |
| Matco Tools (rent Tools) | 1 | $52K | N/A |
| Snap-On-Tools | 1 | $91K | N/A |
| NAPA Auto Parts | 1 | $252K | N/A |
| Nice N Easy Grocery Shoppes | 1 | $400K | N/A |
| Eagle Cleaners | 1 | $185K | N/A |
| Cinema 'n' Drafthouse | 1 | $135K | N/A |
| Agway | 1 | $237K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY1993 | 2 |
| FY1994 | 2 |
| FY1995 | 2 |
| FY1997 | 4 |
| FY1998 | 1 |
| FY1999 | 4 |
| FY2000 | 1 |
| FY2001 | 4 |
| FY2002 | 4 |
| FY2003 | 1 |
| FY2004 | 5 |
| FY2005 | 3 |
| FY2008 | 2 |
| FY2009 | 1 |
| FY2010 | 3 |
| FY2011 | 2 |
| FY2012 | 2 |
| FY2013 | 3 |
| FY2014 | 4 |
| FY2015 | 4 |
| FY2016 | 2 |
| FY2017 | 1 |
| FY2019 | 1 |
| FY2020 | 1 |
| FY2021 | 1 |
| FY2022 | 1 |
| FY2023 | 1 |
SBA 7(a) · charge-off rate by approval year
Community Bank, National Association charge-off rate by loan vintage
None of these 10 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1997 | 4 | 0 | Too few |
| 1999 | 4 | 0 | Too few |
| 2001 | 4 | 0 | Too few |
| 2002 | 4 | 0 | Too few |
| 2004 | 5 | 0 | Too few |
| 2005 | 3 | 0 | Too few |
| 2010 | 3 | 0 | Too few |
| 2013 | 3 | 0 | Too few |
| 2014 | 4 | 0 | Too few |
| 2015 | 4 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$11.4M
Charged off0 of 63
Risk tierExcellent
Avg rate5.57%
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, National Association originated?
- 63 loans totaling $11.4M. The portfolio carries a 0.0% charge-off rate, earning a “Excellent” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Community Bank, National Association's rate of 0.0% is below the national rate.
- 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, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Community Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.