CB
SBA 7(a) franchise lending portfolio
Community Bank of Mississippi
Risk rating: Average
- Total loans
- 95
- Loan volume
- $35.6M
- Avg loan size
- $375K
- Charge-off rate
- 13.6%
- vs 16.0% national
Charged off
9
Avg interest
5.92%
Franchises funded
76
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Dickey's Barbecue Pit | 6 | $1.4M | N/A |
| Lost Pizza Co. | 6 | $2.5M | N/A |
| Little Caesar Pizza | 4 | $1.7M | N/A |
| Smoothie King | 3 | $340K | N/A |
| Frullati Cafe | 2 | $250K | N/A |
| Mugshots Bar and Grill | 2 | $1.7M | N/A |
| Midas Muffler Shop | 2 | $855K | N/A |
| Montessori Kids Universe | 2 | $570K | N/A |
| Fox's Pizza Den | 2 | $1.0M | N/A |
| Pasquale's Pizza | 1 | $90K | N/A |
| California Closet Company | 1 | $25K | N/A |
| Music Go Round | 1 | $158K | N/A |
| General Nutrition Center | 1 | $75K | N/A |
| Heavenly Hams | 1 | $150K | N/A |
| Stop & Shop | 1 | $360K | N/A |
| Coffee Beanery (retail Coffee) | 1 | $150K | N/A |
| Choice Hotels International In | 1 | $150K | N/A |
| Meineke Car Care | 1 | $120K | N/A |
| Blimpie | 1 | $80K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 1 |
| FY1996 | 1 |
| FY1997 | 2 |
| FY1999 | 1 |
| FY2002 | 2 |
| FY2003 | 1 |
| FY2004 | 4 |
| FY2005 | 2 |
| FY2006 | 3 |
| FY2007 | 2 |
| FY2009 | 1 |
| FY2011 | 7 |
| FY2012 | 2 |
| FY2013 | 6 |
| FY2014 | 7 |
| FY2015 | 5 |
| FY2016 | 7 |
| FY2017 | 2 |
| FY2018 | 2 |
| FY2019 | 7 |
| FY2020 | 4 |
| FY2021 | 11 |
| FY2022 | 4 |
| FY2023 | 5 |
| FY2024 | 1 |
| FY2025 | 4 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Community Bank of Mississippi charge-off rate by loan vintage
None of these 9 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 |
|---|---|---|---|
| 2004 | 4 | 3 | Too few |
| 2006 | 3 | 1 | Too few |
| 2011 | 6 | 0 | Too few |
| 2013 | 5 | 0 | Too few |
| 2014 | 7 | 1 | Too few |
| 2015 | 3 | 0 | Too few |
| 2016 | 6 | 0 | Too few |
| 2019 | 5 | 0 | Too few |
| 2021 | 4 | 0 | Too early |
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$35.6M
Charged off9 of 95
Risk tierAverage
Avg rate5.92%
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 of Mississippi originated?
- 95 loans totaling $35.6M. The portfolio carries a 13.6% 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). 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 of Mississippi's rate of 13.6% 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 of Mississippi fund the most?
- The “Top franchise exposures” table above lists the brands Community Bank of Mississippi has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.