CB
SBA 7(a) franchise lending portfolio
Community Bank & Trust-West Georgia
Risk rating: Average
- Total loans
- 60
- Loan volume
- $71.0M
- Avg loan size
- $1.2M
- Charge-off rate
- 11.1%
- vs 16.0% national
Charged off
1
Avg interest
8.50%
Franchises funded
43
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Urban Air Adventure Park | 4 | $19.0M | N/A |
| EarthWise Pet Supply | 3 | $1.2M | N/A |
| Paris Baguette | 3 | $4.2M | N/A |
| redbox+ | 3 | $2.4M | N/A |
| Glo Tanning | 3 | $2.3M | N/A |
| Anytime Fitness | 2 | $1.1M | N/A |
| The UPS Store (f/k/a Mail Box | 2 | $804K | N/A |
| Hotworx | 2 | $768K | N/A |
| WaterStation | 2 | $3.7M | N/A |
| Sparkle and Sparkle Grooming C | 2 | $1.2M | N/A |
| CycleBar | 2 | $1.4M | N/A |
| Country Hearth Inn | 1 | $920K | N/A |
| Kids R Kids | 1 | $1.1M | N/A |
| Scottish Inns | 1 | $1.0M | N/A |
| Player's Connection | 1 | $90K | N/A |
| Ramada Inn | 1 | $1000K | N/A |
| Dickey's Barbecue Pit | 1 | $670K | N/A |
| Days Inn | 1 | $1.8M | N/A |
| Five Star Painting | 1 | $236K | N/A |
| Clarion Hotel | 1 | $5.0M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2000 | 1 |
| FY2001 | 1 |
| FY2002 | 1 |
| FY2004 | 1 |
| FY2005 | 1 |
| FY2015 | 2 |
| FY2019 | 3 |
| FY2020 | 7 |
| FY2021 | 13 |
| FY2022 | 2 |
| FY2023 | 1 |
| FY2024 | 5 |
| FY2025 | 20 |
| FY2026 | 2 |
Geographic exposure
8N/A
6N/A
6N/A
5N/A
4N/A
4N/A
4N/A
3N/A
2N/A
2N/A
Portfolio summary
Total funded$71.0M
Charged off1 of 60
Risk tierAverage
Avg rate8.50%
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 & Trust-West Georgia originated?
- 60 loans totaling $71.0M. The portfolio carries a 11.1% 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 & Trust-West Georgia's rate of 11.1% 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 & Trust-West Georgia fund the most?
- The “Top franchise exposures” table above lists the brands Community Bank & Trust-West Georgia has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.