![Community West Bank logo](https://cdn.brandfetch.io/communitywestbank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Community West Bank
CRITICAL risk
- Total loans
- 438
- Loan volume
- $127.4M
- Avg loan size
- $291K
- Default rate
- 38.6%
- vs 15.4% national avg
Defaults
166
Avg interest
6.05%
Franchises funded
182
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 28 | $4.4M | 46.4% |
| Mail Boxes Etc. Usa | 18 | $2.9M | 16.7% |
| Minuteman Press | 16 | $3.0M | 25.0% |
| Smoothie King (health Food Sto | 15 | $3.9M | 73.3% |
| Edible Arrangements | 14 | $2.8M | 7.1% |
| Cartridge World | 12 | $1.8M | 58.3% |
| Subway Sandwich Shop | 10 | $3.3M | 0.0% |
| Aussie Pet Mobile Villa Park | 10 | $1.2M | 20.0% |
| Rita's Real Italian Water Ice | 10 | $3.2M | 60.0% |
| Massage Envy | 10 | $3.1M | 0.0% |
| The UPS Store | 7 | $1.0M | 57.1% |
| Moe's Sw Grill | 7 | $2.3M | 42.9% |
| Cottman Transmission | 7 | $1.2M | 71.4% |
| Little Ceasar's Pizza | 7 | $2.2M | 14.3% |
| Huntington Learning Center | 7 | $2.6M | 100.0% |
| Firehouse Subs | 7 | $1.4M | 0.0% |
| Maggiemoo's (ice Cream) | 6 | $1.7M | 16.7% |
| Jimboy's Tacos | 6 | $2.9M | 0.0% |
| UPS Store | 5 | $792K | 0.0% |
| Tropical Smoothie | 5 | $1.5M | 60.0% |
Lending volume by year
1'95
6
5
5
4
17'00
24
30
43
55
47'05
38
48
68
22
1'10
1
1
1
6
2'16
3
3
1
4
2'26
Community West Bank default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
14822.1%
6939.1%
5944.1%
5356.6%
2166.7%
1637.5%
1330.8%
1250.0%
1010.0%
1040.0%
Portfolio summary
Total funded$127.4M
Defaults166 of 438
Risk tierCRITICAL
Avg rate6.05%
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%).