WC
SBA 7(a) franchise lending portfolio
West Coast Community Bank
EXCELLENT risk
- Total loans
- 96
- Loan volume
- $123.9M
- Avg loan size
- $1.3M
- Charge-off rate
- 1.7%
- vs 15.4% national avg
Defaults
1
Avg interest
6.76%
Franchises funded
51
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Mountain Mike's Pizza | 12 | $2.9M | 0.0% (low risk) |
| Mountain Mike's Pizza | 7 | $1.9M | 0.0% (low risk) |
| Gold's Gym | 6 | $1.9M | 0.0% (low risk) |
| Erik's Delicafe | 4 | $590K | 0.0% (low risk) |
| Round Table Pizza | 4 | $1.8M | 0.0% (low risk) |
| Togo's | 4 | $965K | 0.0% (low risk) |
| Motel 6 | 4 | $11.2M | 0.0% (low risk) |
| Motel 6 | 3 | $7.0M | 0.0% (low risk) |
| Ramada Inns | 2 | $8.0M | 0.0% (low risk) |
| Vagabond Inn | 2 | $4.1M | 0.0% (low risk) |
| Circle K | 2 | $900K | 0.0% (low risk) |
| Ampm Mini Market- Arco | 2 | $6.8M | 0.0% (low risk) |
| Gold's Gym | 2 | $2.3M | 0.0% (low risk) |
| Dairy Queen of the Pacific Nor | 2 | $1.2M | 0.0% (low risk) |
| Nick the Greek | 2 | $435K | 0.0% (low risk) |
| Rodeway Inn by Choice Hotels/R | 2 | $3.6M | 0.0% (low risk) |
| Days Inn by Wyndham | 2 | $6.3M | 0.0% (low risk) |
| Econo Lub N Tune | 1 | $150K | 100.0% (very high risk) |
| Subway Sandwich Shop | 1 | $150K | 0.0% (low risk) |
| Auto Check | 1 | $270K | 0.0% (low risk) |
Lending volume by year
1'05
1'08
3'09
1'10
3'13
4'14
2'15
9'16
16'17
12'18
12'19
3'20
12'21
7'22
5'23
5'24
West Coast Community Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$123.9M
Defaults1 of 96
Risk tierEXCELLENT
Avg rate6.76%
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 West Coast Community Bank originated?
- 96 loans totaling $123.9M. The portfolio carries a 1.7% 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 West Coast Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands West Coast 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.