CS
SBA 7(a) franchise lending portfolio
Community South Bank
CRITICAL risk
- Total loans
- 33
- Loan volume
- $24.0M
- Avg loan size
- $726K
- Charge-off rate
- 27.3%
- vs 15.4% national avg
Defaults
9
Avg interest
6.00%
Franchises funded
23
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Howard Johnson | 3 | $4.9M | 66.7% (very high risk) |
| The UPS Store | 3 | $450K | 0.0% (low risk) |
| Quality Inn | 2 | $2.6M | 0.0% (low risk) |
| Quiznos | 2 | $290K | 50.0% (very high risk) |
| Mail Boxes Etc. Usa | 2 | $300K | 0.0% (low risk) |
| Super 8 Motel | 2 | $3.3M | 0.0% (low risk) |
| Ramada Inn | 2 | $3.7M | 50.0% (very high risk) |
| Cold Stone Creamery, Inc. | 2 | $577K | 100.0% (very high risk) |
| UPS Store | 1 | $136K | 0.0% (low risk) |
| 1-800-Radiator | 1 | $150K | 0.0% (low risk) |
| Church's Fried Chicken | 1 | $464K | 0.0% (low risk) |
| Maggiemoo's (ice Cream) | 1 | $359K | 100.0% (very high risk) |
| Tijuana Flats Burrito | 1 | $531K | 100.0% (very high risk) |
| Smoothie King (health Food Sto | 1 | $100K | 0.0% (low risk) |
| Cottman Transmission | 1 | $150K | 0.0% (low risk) |
| Zyng Noodlery | 1 | $170K | 0.0% (low risk) |
| Port Of Subs | 1 | $196K | 100.0% (very high risk) |
| Days Inn | 1 | $1.3M | 0.0% (low risk) |
| Metal Supermarkets | 1 | $126K | 0.0% (low risk) |
| Chevron (gas Station) | 1 | $1.1M | 0.0% (low risk) |
Lending volume by year
21'04
2'05
2'06
4'07
3'08
1'10
Community South Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
540.0% (very high risk)
450.0% (very high risk)
40.0% (low risk)
30.0% (low risk)
333.3% (very high risk)
20.0% (low risk)
250.0% (very high risk)
1100.0% (very high risk)
1100.0% (very high risk)
10.0% (low risk)
Portfolio summary
Total funded$24.0M
Defaults9 of 33
Risk tierCRITICAL
Avg rate6.00%
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 South Bank originated?
- 33 loans totaling $24.0M. The portfolio carries a 27.3% charge-off rate, earning a “CRITICAL” 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 South Bank fund the most?
- The “Top franchise exposures” table above lists the brands Community South Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.