CS
SBA 7(a) franchise lending portfolio
Community State Bank
AVERAGE risk
- Total loans
- 39
- Loan volume
- $16.0M
- Avg loan size
- $410K
- Charge-off rate
- 13.3%
- vs 15.4% national avg
Defaults
4
Avg interest
5.61%
Franchises funded
31
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jimmy John's | 3 | $511K | 0.0% (low risk) |
| Figaro's Italian Pizza | 2 | $194K | 50.0% (very high risk) |
| Culligan | 2 | $2.3M | 0.0% (low risk) |
| Dickey's Barbecue Pit | 2 | $308K | 0.0% (low risk) |
| Great Clips | 2 | $600K | 0.0% (low risk) |
| Piggly Wiggly | 2 | $800K | 0.0% (low risk) |
| Batteries Plus | 2 | $198K | N/A |
| Coast-To-Coast Store | 1 | $110K | 100.0% (very high risk) |
| Snap-On-Tools | 1 | $74K | 100.0% (very high risk) |
| Cousins Submarines (restaurant | 1 | $100K | 0.0% (low risk) |
| Rodeway Inns | 1 | $1.1M | 0.0% (low risk) |
| Blimpie | 1 | $71K | 100.0% (very high risk) |
| Subway Sandwich Shop | 1 | $97K | 0.0% (low risk) |
| Shell Service Station | 1 | $122K | 0.0% (low risk) |
| Pizza Ranch | 1 | $285K | 0.0% (low risk) |
| Great Frame (the) | 1 | $119K | 0.0% (low risk) |
| Filtafry | 1 | $50K | 0.0% (low risk) |
| Signarama | 1 | $176K | N/A |
| General Nutrition Center | 1 | $231K | 0.0% (low risk) |
| Anytime Fitness | 1 | $400K | 0.0% (low risk) |
Lending volume by year
2'93
1
1
1
2
1'04
1
1
2
1
2'09
1
1
1
1
7'16
3
2
1
4
1'22
2'24
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 State Bank originated?
- 39 loans totaling $16.0M. The portfolio carries a 13.3% 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 State Bank fund the most?
- The “Top franchise exposures” table above lists the brands Community State 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.