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SBA 7(a) franchise lending portfolio
Community Bank of Nevada
CRITICAL risk
- Total loans
- 31
- Loan volume
- $5.3M
- Avg loan size
- $171K
- Default rate
- 32.3%
- vs 15.4% national avg
Defaults
10
Avg interest
—
Franchises funded
20
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dairy Queen | 6 | $1.1M | 66.7% |
| Port Of Subs | 4 | $474K | 0.0% |
| Benjamin Franklin Certified Pl | 2 | $472K | 0.0% |
| Post Net | 2 | $128K | 50.0% |
| Subway Sandwich Shop | 2 | $250K | 0.0% |
| Hungry Howie's | 1 | $100K | 0.0% |
| Taco Del Mar | 1 | $50K | 100.0% |
| American Consumer Financial Ne | 1 | $50K | 0.0% |
| Original Pancake House (the) | 1 | $825K | 0.0% |
| Foot Solutions | 1 | $150K | 0.0% |
| Mail Boxes Etc. Usa | 1 | $105K | 0.0% |
| Alphagraphics, Printshops Of T | 1 | $340K | 0.0% |
| Play It Again Sports (retail S | 1 | $75K | 100.0% |
| Auntie Ann's (soft Pretzels) | 1 | $125K | 0.0% |
| Flamers Charbroiled Hamburgers | 1 | $150K | 100.0% |
| Grow Biz International, Inc. | 1 | $150K | 0.0% |
| Cold Stone Creamery, Inc. | 1 | $483K | 0.0% |
| Joey's Only | 1 | $72K | 100.0% |
| Math Monkey | 1 | $156K | 100.0% |
| Children's Orchard (retail Clo | 1 | $80K | 0.0% |
Lending volume by year
1'98
1'99
5'00
6'01
4'02
5'03
1'04
2'06
4'07
2'08
Community Bank of Nevada default rate by loan vintage
BrandNational avg
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%).