CN
SBA 7(a) franchise lending portfolio
Community National Bank & Trust
AVERAGE risk
- Total loans
- 37
- Loan volume
- $12.3M
- Avg loan size
- $332K
- Charge-off 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% (low risk) |
| Domino's Pizza | 4 | $519K | 0.0% (low risk) |
| DQ Grill & Chill Operating Agr | 4 | $2.4M | 0.0% (low risk) |
| Schlotzsky's | 3 | $760K | 0.0% (low risk) |
| Merle Norman Cosmetics | 2 | $100K | 0.0% (low risk) |
| Mars | 1 | $52K | 100.0% (very high risk) |
| Sears Catalog Store | 1 | $45K | 0.0% (low risk) |
| Scooter's Coffeehouse | 1 | $25K | 0.0% (low risk) |
| Golden Corral (restaurant) | 1 | $95K | 100.0% (very high risk) |
| G.j. Gardner Homes | 1 | $100K | 0.0% (low risk) |
| H&r Block | 1 | $20K | 0.0% (low risk) |
| Fresh Coat | 1 | $103K | N/A |
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
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 National Bank & Trust originated?
- 37 loans totaling $12.3M. 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). 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 National Bank & Trust fund the most?
- The “Top franchise exposures” table above lists the brands Community National Bank & Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.