CB
SBA 7(a) franchise lending portfolio
Community Bank of Pickens County
CRITICAL risk
- Total loans
- 10
- Loan volume
- $18.2M
- Avg loan size
- $1.8M
- Charge-off rate
- 25.0%
- vs 15.4% national avg
Defaults
1
Avg interest
6.48%
Franchises funded
10
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Rocket Fizz Soda Pop & Candy S | 1 | $175K | N/A |
| Cactus Car Wash | 1 | $2.0M | 0.0% (low risk) |
| Comfort Inn | 1 | $2.4M | N/A |
| 1-800 Packouts | 1 | $240K | 100.0% (very high risk) |
| America's Best Inns & Suites | 1 | $1.1M | N/A |
| Workout Anytime | 1 | $540K | N/A |
| Bodyplex, Inc. - License Agree | 1 | $5.0M | 0.0% (low risk) |
| Comfort Inn by Choice Hotels/C | 1 | $5.0M | 0.0% (low risk) |
| Smoothie King | 1 | $500K | N/A |
| Valvoline - Express Care Sales | 1 | $1.3M | N/A |
Lending volume by year
2'12
1'16
2'17
1'20
3'21
1'24
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 Pickens County originated?
- 10 loans totaling $18.2M. The portfolio carries a 25.0% charge-off rate, earning a “CRITICAL” 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 Pickens County fund the most?
- The “Top franchise exposures” table above lists the brands Community Bank of Pickens County has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.