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SBA 7(a) franchise lending portfolio
Community Bank of Mississippi
AVERAGE risk
- Total loans
- 95
- Loan volume
- $35.6M
- Avg loan size
- $375K
- Default rate
- 13.6%
- vs 15.4% national avg
Defaults
9
Avg interest
5.92%
Franchises funded
76
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dickey's Barbecue Pit | 6 | $1.4M | 0.0% |
| Lost Pizza Co. | 6 | $2.5M | 0.0% |
| Smoothie King | 3 | $340K | 0.0% |
| Frullati Cafe | 2 | $250K | 100.0% |
| Little Caesar Pizza | 2 | $452K | 0.0% |
| Mugshots Bar and Grill | 2 | $1.7M | 0.0% |
| Little Caesars | 2 | $1.3M | 0.0% |
| Midas Muffler Shop | 2 | $855K | 0.0% |
| Montessori Kids Universe | 2 | $570K | 0.0% |
| Fox's Pizza Den | 2 | $1.0M | — |
| Pasquale's Pizza | 1 | $90K | 0.0% |
| California Closet Company | 1 | $25K | 100.0% |
| Music Go Round | 1 | $158K | 0.0% |
| General Nutrition Center | 1 | $75K | 0.0% |
| Heavenly Hams | 1 | $150K | 0.0% |
| Stop & Shop | 1 | $360K | 0.0% |
| Coffee Beanery (retail Coffee) | 1 | $150K | 100.0% |
| Choice Hotels International In | 1 | $150K | 0.0% |
| Meineke Car Care | 1 | $120K | 100.0% |
| Blimpie | 1 | $80K | 0.0% |
Lending volume by year
1'95
1
2
1
2
1'03
4
2
3
2
1'09
7
2
6
7
5'15
7
2
2
7
4'20
11
4
5
1
4'25
1'26
Community Bank of Mississippi default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$35.6M
Defaults9 of 95
Risk tierAVERAGE
Avg rate5.92%
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%).