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SBA 7(a) franchise lending portfolio
Community South Bank
CRITICAL risk
- Total loans
- 33
- Loan volume
- $24.0M
- Avg loan size
- $726K
- Default 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% |
| The UPS Store | 3 | $450K | 0.0% |
| Quality Inn | 2 | $2.6M | 0.0% |
| Quiznos | 2 | $290K | 50.0% |
| Mail Boxes Etc. Usa | 2 | $300K | 0.0% |
| Super 8 Motel | 2 | $3.3M | 0.0% |
| Ramada Inn | 2 | $3.7M | 50.0% |
| Cold Stone Creamery, Inc. | 2 | $577K | 100.0% |
| UPS Store | 1 | $136K | 0.0% |
| 1-800-Radiator | 1 | $150K | 0.0% |
| Church's Fried Chicken | 1 | $464K | 0.0% |
| Maggiemoo's (ice Cream) | 1 | $359K | 100.0% |
| Tijuana Flats Burrito | 1 | $531K | 100.0% |
| Smoothie King (health Food Sto | 1 | $100K | 0.0% |
| Cottman Transmission | 1 | $150K | 0.0% |
| Zyng Noodlery | 1 | $170K | 0.0% |
| Port Of Subs | 1 | $196K | 100.0% |
| Days Inn | 1 | $1.3M | 0.0% |
| Metal Supermarkets | 1 | $126K | 0.0% |
| Chevron (gas Station) | 1 | $1.1M | 0.0% |
Lending volume by year
21'04
2'05
2'06
4'07
3'08
1'10
Community South Bank default rate by loan vintage
BrandNational avg
Geographic exposure
540.0%
450.0%
40.0%
30.0%
333.3%
20.0%
250.0%
1100.0%
1100.0%
10.0%
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
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%).