CF
SBA 7(a) franchise lending portfolio
Community First Bank of the Heartland
EXCELLENT risk
- Total loans
- 17
- Loan volume
- $14.0M
- Avg loan size
- $825K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.61%
Franchises funded
15
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Re/Max | 2 | $75K | 0.0% (low risk) |
| RE/MAX St. Louis Region | 2 | $100K | 0.0% (low risk) |
| Chevrolet | 1 | $175K | 0.0% (low risk) |
| Servpro | 1 | $241K | 0.0% (low risk) |
| Insurance Store Regional (the) | 1 | $31K | 0.0% (low risk) |
| Servicemaster Clean | 1 | $40K | 0.0% (low risk) |
| Jimmy John's | 1 | $345K | 0.0% (low risk) |
| Super 8 by Wyndhan | 1 | $3.4M | N/A |
| Jackson Hewitt Tax Service | 1 | $250K | 0.0% (low risk) |
| Harley Davidson | 1 | $250K | 0.0% (low risk) |
| Servicemaster | 1 | $20K | 0.0% (low risk) |
| Textron Specialized Vehicle, I | 1 | $644K | 0.0% (low risk) |
| Days Inn by Wyndham | 1 | $935K | 0.0% (low risk) |
| Comfort Suites by Choice Hotel | 1 | $5.0M | N/A |
| Quality Inn by Choice Hotels / | 1 | $2.5M | N/A |
Lending volume by year
2'08
1'09
1'10
1'12
3'13
2'15
3'18
3'20
1'22
Geographic exposure
170.0% (low risk)
Portfolio summary
Total funded$14.0M
Defaults0 of 17
Risk tierEXCELLENT
Avg rate5.61%
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 First Bank of the Heartland originated?
- 17 loans totaling $14.0M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 First Bank of the Heartland fund the most?
- The “Top franchise exposures” table above lists the brands Community First Bank of the Heartland has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.