CT
SBA 7(a) franchise lending portfolio
Community Trust Bank, Inc.
Risk rating: High Risk
- Total loans
- 122
- Loan volume
- $38.1M
- Avg loan size
- $313K
- Charge-off rate
- 20.4%
- vs 16.0% national
Charged off
19
Avg interest
5.70%
Franchises funded
85
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 12 | $3.1M | 0.0% (excellent) |
| Giovanni's Pizza | 7 | $794K | N/A |
| Orange Leaf Frozen Yogurt | 4 | $200K | N/A |
| Yamaha Sales Center | 3 | $1.4M | N/A |
| Servpro | 3 | $345K | N/A |
| Howard Johnson | 2 | $971K | N/A |
| Coast-To-Coast Store | 2 | $405K | N/A |
| Great Clips | 2 | $130K | N/A |
| Iga Food Stores | 2 | $627K | N/A |
| Play N Trade | 2 | $100K | N/A |
| Mcalister's Gourmet Deli | 2 | $1.2M | N/A |
| Signs Now | 2 | $121K | N/A |
| Red Roof Inn | 2 | $2.3M | N/A |
| Greasebusters | 2 | $149K | N/A |
| Ace Hardware | 2 | $438K | N/A |
| Allstate Insurance | 2 | $225K | N/A |
| Firehouse Subs | 2 | $391K | N/A |
| The Exercise Coach | 2 | $249K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY1993 | 2 |
| FY1994 | 2 |
| FY1995 | 1 |
| FY1996 | 3 |
| FY1997 | 1 |
| FY2000 | 1 |
| FY2003 | 1 |
| FY2004 | 1 |
| FY2005 | 1 |
| FY2006 | 4 |
| FY2007 | 2 |
| FY2008 | 1 |
| FY2009 | 4 |
| FY2010 | 8 |
| FY2011 | 5 |
| FY2012 | 9 |
| FY2013 | 7 |
| FY2014 | 9 |
| FY2015 | 5 |
| FY2016 | 3 |
| FY2017 | 7 |
| FY2018 | 4 |
| FY2019 | 5 |
| FY2020 | 6 |
| FY2021 | 11 |
| FY2022 | 5 |
| FY2023 | 7 |
| FY2024 | 3 |
| FY2025 | 3 |
SBA 7(a) · charge-off rate by approval year
Community Trust Bank, Inc. charge-off rate by loan vintage
None of these 14 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1996 | 3 | 0 | Too few |
| 2006 | 4 | 2 | Too few |
| 2009 | 4 | 0 | Too few |
| 2010 | 8 | 1 | Too few |
| 2011 | 5 | 2 | Too few |
| 2012 | 9 | 2 | Too few |
| 2013 | 6 | 0 | Too few |
| 2014 | 9 | 2 | Too few |
| 2015 | 4 | 1 | Too few |
| 2016 | 3 | 2 | Too few |
| 2017 | 6 | 0 | Too few |
| 2019 | 4 | 1 | Too few |
| 2020 | 5 | 0 | Too early |
| 2021 | 4 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$38.1M
Charged off19 of 122
Risk tierHigh Risk
Avg rate5.70%
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 Trust Bank, Inc. originated?
- 122 loans totaling $38.1M. The portfolio carries a 20.4% charge-off rate, earning a “High Risk” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Community Trust Bank, Inc.'s rate of 20.4% is above the national rate.
- 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 Trust Bank, Inc. fund the most?
- The “Top franchise exposures” table above lists the brands Community Trust Bank, Inc. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.