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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
- Default 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% |
| Rexall Drugs | 1 | $100K | 0.0% |
| Chicken Express | 1 | $1.8M | 0.0% |
| The Little Gym | 1 | $500K | — |
| Bonchon | 1 | $939K | — |
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
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%).