TC
SBA 7(a) franchise lending portfolio
The Community Bank
EXCELLENT risk
- Total loans
- 16
- Loan volume
- $1.6M
- Avg loan size
- $98K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.84%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Whit's Frozen Custard | 4 | $150K | 0.0% (low risk) |
| Creno's Pizza | 3 | $366K | 0.0% (low risk) |
| Great Clips | 2 | $35K | 0.0% (low risk) |
| Alltel Wireless Authorized Age | 1 | $50K | 0.0% (low risk) |
| Kiddie Academy | 1 | $430K | 0.0% (low risk) |
| Dairy Queen Frozen Treat Cente | 1 | $50K | 0.0% (low risk) |
| Huntington Learning Center | 1 | $105K | 0.0% (low risk) |
| Minuteman Press | 1 | $148K | N/A |
| Santa Fe Cattle Co. | 1 | $112K | 0.0% (low risk) |
| Lovely Bride | 1 | $115K | N/A |
Lending volume by year
1'07
1'11
1'13
4'14
1'16
2'17
2'18
1'19
2'20
1'21
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 The Community Bank originated?
- 16 loans totaling $1.6M. The portfolio carries a 0.0% 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 The Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands The Community 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.