CB
SBA 7(a) franchise lending portfolio
County Bank
GOOD risk
- Total loans
- 13
- Loan volume
- $2.5M
- Avg loan size
- $190K
- Charge-off rate
- 7.7%
- vs 15.4% national avg
Defaults
1
Avg interest
4.75%
Franchises funded
12
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Curves For Women | 2 | $145K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $140K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $134K | 0.0% (low risk) |
| Country Kitchen | 1 | $915K | 100.0% (very high risk) |
| Mountain Mike's Pizza | 1 | $199K | 0.0% (low risk) |
| Port Of Subs | 1 | $150K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 1 | $200K | 0.0% (low risk) |
| Quiznos | 1 | $200K | 0.0% (low risk) |
| The UPS Store | 1 | $100K | 0.0% (low risk) |
| Servicemaster | 1 | $50K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $125K | 0.0% (low risk) |
| Radio Shack | 1 | $114K | 0.0% (low risk) |
Lending volume by year
1'96
1'98
2'00
2'01
2'03
1'04
2'05
1'07
1'10
Geographic exposure
110.0% (low risk)
250.0% (very high risk)
Portfolio summary
Total funded$2.5M
Defaults1 of 13
Risk tierGOOD
Avg rate4.75%
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 County Bank originated?
- 13 loans totaling $2.5M. The portfolio carries a 7.7% charge-off rate, earning a “GOOD” 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 County Bank fund the most?
- The “Top franchise exposures” table above lists the brands County 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.