PB
SBA 7(a) franchise lending portfolio
Peoples Bank of Commerce
EXCELLENT risk
- Total loans
- 30
- Loan volume
- $6.5M
- Avg loan size
- $217K
- Charge-off rate
- 3.5%
- vs 15.4% national avg
Defaults
1
Avg interest
5.80%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Snap-On-Tools | 4 | $730K | 0.0% (low risk) |
| Dutch Bros. Coffee | 4 | $1.0M | 0.0% (low risk) |
| Taco Time | 3 | $215K | 0.0% (low risk) |
| Snap-On | 3 | $911K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $360K | 0.0% (low risk) |
| Curves For Women | 2 | $63K | 0.0% (low risk) |
| Vinny's Italian Kitchen | 2 | $80K | 0.0% (low risk) |
| Minuteman Press | 1 | $47K | 0.0% (low risk) |
| Kentucky Fried Chicken | 1 | $940K | 100.0% (very high risk) |
| Arby's | 1 | $800K | 0.0% (low risk) |
| Subway | 1 | $225K | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 1 | $200K | 0.0% (low risk) |
| Nature's Pet/Earthwise Pet Sup | 1 | $80K | 0.0% (low risk) |
| The Human Bean | 1 | $23K | 0.0% (low risk) |
| Togo's Eatery | 1 | $280K | 0.0% (low risk) |
| H&r Block | 1 | $465K | 0.0% (low risk) |
| The Pita Pit | 1 | $80K | 0.0% (low risk) |
Lending volume by year
1'98
2'99
1'00
1'02
1'03
2'04
1'05
3'07
3'08
2'09
3'10
1'11
2'13
2'14
1'15
1'17
1'18
1'19
1'21
Peoples Bank of Commerce charge-off rate by loan vintage
BrandNational avg
Geographic exposure
283.7% (low risk)
20.0% (low risk)
Portfolio summary
Total funded$6.5M
Defaults1 of 30
Risk tierEXCELLENT
Avg rate5.80%
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 Peoples Bank of Commerce originated?
- 30 loans totaling $6.5M. The portfolio carries a 3.5% charge-off rate, earning a “EXCELLENT” 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 Peoples Bank of Commerce fund the most?
- The “Top franchise exposures” table above lists the brands Peoples Bank of Commerce has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.