CB
SBA 7(a) franchise lending portfolio
Community Bank of Mississippi
AVERAGE risk
- Total loans
- 95
- Loan volume
- $35.6M
- Avg loan size
- $375K
- Charge-off 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% (low risk) |
| Lost Pizza Co. | 6 | $2.5M | 0.0% (low risk) |
| Smoothie King | 3 | $340K | 0.0% (low risk) |
| Frullati Cafe | 2 | $250K | 100.0% (very high risk) |
| Little Caesar Pizza | 2 | $452K | 0.0% (low risk) |
| Mugshots Bar and Grill | 2 | $1.7M | 0.0% (low risk) |
| Little Caesars | 2 | $1.3M | 0.0% (low risk) |
| Midas Muffler Shop | 2 | $855K | 0.0% (low risk) |
| Montessori Kids Universe | 2 | $570K | 0.0% (low risk) |
| Fox's Pizza Den | 2 | $1.0M | N/A |
| Pasquale's Pizza | 1 | $90K | 0.0% (low risk) |
| California Closet Company | 1 | $25K | 100.0% (very high risk) |
| Music Go Round | 1 | $158K | 0.0% (low risk) |
| General Nutrition Center | 1 | $75K | 0.0% (low risk) |
| Heavenly Hams | 1 | $150K | 0.0% (low risk) |
| Stop & Shop | 1 | $360K | 0.0% (low risk) |
| Coffee Beanery (retail Coffee) | 1 | $150K | 100.0% (very high risk) |
| Choice Hotels International In | 1 | $150K | 0.0% (low risk) |
| Meineke Car Care | 1 | $120K | 100.0% (very high risk) |
| Blimpie | 1 | $80K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
6818.8% (high risk)
150.0% (low risk)
90.0% (low risk)
30.0% (low risk)
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
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). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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.