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SBA 7(a) franchise lending portfolio
Community National Bank & Trust
AVERAGE risk
- Total loans
- 37
- Loan volume
- $12.3M
- Avg loan size
- $332K
- Default rate
- 11.1%
- vs 15.4% national avg
Defaults
2
Avg interest
6.88%
Franchises funded
12
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Domino's | 17 | $8.1M | 0.0% |
| Domino's Pizza | 4 | $519K | 0.0% |
| DQ Grill & Chill Operating Agr | 4 | $2.4M | 0.0% |
| Schlotzsky's | 3 | $760K | 0.0% |
| Merle Norman Cosmetics | 2 | $100K | 0.0% |
| Mars | 1 | $52K | 100.0% |
| Sears Catalog Store | 1 | $45K | 0.0% |
| Scooter's Coffeehouse | 1 | $25K | 0.0% |
| Golden Corral (restaurant) | 1 | $95K | 100.0% |
| G.j. Gardner Homes | 1 | $100K | 0.0% |
| H&r Block | 1 | $20K | 0.0% |
| Fresh Coat | 1 | $103K | — |
Lending volume by year
1'94
1'02
2'04
1'09
1'11
2'13
1'15
2'16
1'17
1'18
3'19
2'20
3'21
1'22
4'23
6'24
4'25
1'26
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%).