CN
SBA 7(a) franchise lending portfolio
Community National Bank & Trust of Texas
EXCELLENT risk
- Total loans
- 12
- Loan volume
- $9.7M
- Avg loan size
- $812K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.95%
Franchises funded
5
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Chicken Express | 8 | $6.4M | 0.0% (low risk) |
| Rexall Drugs | 1 | $100K | 0.0% (low risk) |
| Chicken Express | 1 | $1.8M | 0.0% (low risk) |
| The Little Gym | 1 | $500K | N/A |
| Bonchon | 1 | $939K | N/A |
Lending volume by year
1'96
5'11
3'12
1'21
1'22
1'23
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 of Texas originated?
- 12 loans totaling $9.7M. 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 National Bank & Trust of Texas fund the most?
- The “Top franchise exposures” table above lists the brands Community National Bank & Trust of Texas has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.