![Community Bank of Pickens County logo](https://cdn.brandfetch.io/communitybankofpickenscounty.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
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
- Default 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 | — |
| Cactus Car Wash | 1 | $2.0M | 0.0% |
| Comfort Inn | 1 | $2.4M | — |
| 1-800 Packouts | 1 | $240K | 100.0% |
| America's Best Inns & Suites | 1 | $1.1M | — |
| Workout Anytime | 1 | $540K | — |
| Bodyplex, Inc. - License Agree | 1 | $5.0M | 0.0% |
| Comfort Inn by Choice Hotels/C | 1 | $5.0M | 0.0% |
| Smoothie King | 1 | $500K | — |
| Valvoline - Express Care Sales | 1 | $1.3M | — |
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
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%).