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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
- Default 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% |
| RE/MAX St. Louis Region | 2 | $100K | 0.0% |
| Chevrolet | 1 | $175K | 0.0% |
| Servpro | 1 | $241K | 0.0% |
| Insurance Store Regional (the) | 1 | $31K | 0.0% |
| Servicemaster Clean | 1 | $40K | 0.0% |
| Jimmy John's | 1 | $345K | 0.0% |
| Super 8 by Wyndhan | 1 | $3.4M | — |
| Jackson Hewitt Tax Service | 1 | $250K | 0.0% |
| Harley Davidson | 1 | $250K | 0.0% |
| Servicemaster | 1 | $20K | 0.0% |
| Textron Specialized Vehicle, I | 1 | $644K | 0.0% |
| Days Inn by Wyndham | 1 | $935K | 0.0% |
| Comfort Suites by Choice Hotel | 1 | $5.0M | — |
| Quality Inn by Choice Hotels / | 1 | $2.5M | — |
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%
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
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%).