FC
SBA 7(a) franchise lending portfolio
First Commercial Bank, National Association
CRITICAL risk
- Total loans
- 37
- Loan volume
- $17.6M
- Avg loan size
- $475K
- Charge-off rate
- 28.6%
- vs 15.4% national avg
Defaults
10
Avg interest
5.50%
Franchises funded
24
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 7 | $5.9M | 0.0% (low risk) |
| All Tune And Lube | 4 | $338K | 50.0% (very high risk) |
| I Can't Believe It's Yogurt | 2 | $117K | 100.0% (very high risk) |
| Super 8 Motel | 2 | $2.3M | 50.0% (very high risk) |
| Popeye's Famous Fried Chicken | 2 | $699K | 0.0% (low risk) |
| Travelodge | 2 | $1.6M | 50.0% (very high risk) |
| Ramada Inn | 1 | $1.0M | 0.0% (low risk) |
| Blimpie | 1 | $35K | 0.0% (low risk) |
| Cici's Pizza | 1 | $220K | 0.0% (low risk) |
| Rainbow Carpet Dyeing | 1 | $26K | 100.0% (very high risk) |
| Golden Corral (restaurant) | 1 | $150K | N/A |
| General Business Services | 1 | $32K | 0.0% (low risk) |
| Econo Lodge Motel | 1 | $975K | 0.0% (low risk) |
| Good Times Drive Thru, Icn. | 1 | $420K | 0.0% (low risk) |
| Century 21 | 1 | $100K | 0.0% (low risk) |
| Maxi's Deli | 1 | $469K | 100.0% (very high risk) |
| Jackson Hewitt Tax Service | 1 | $60K | 0.0% (low risk) |
| Holiday Inn | 1 | $490K | 0.0% (low risk) |
| Wendy's | 1 | $328K | 0.0% (low risk) |
| Howard Johnson | 1 | $764K | 0.0% (low risk) |
Lending volume by year
1'92
4'93
6'94
10'95
2'96
7'97
2'98
2'99
1'00
1'01
1'21
First Commercial Bank, National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
3226.7% (very high risk)
30.0% (low risk)
1100.0% (very high risk)
1100.0% (very high risk)
Portfolio summary
Total funded$17.6M
Defaults10 of 37
Risk tierCRITICAL
Avg rate5.50%
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 First Commercial Bank, National Association originated?
- 37 loans totaling $17.6M. The portfolio carries a 28.6% charge-off rate, earning a “CRITICAL” 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 First Commercial Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands First Commercial Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.