WC
SBA 7(a) franchise lending portfolio
West Coast Community Bank
Risk rating: Excellent
- Total loans
- 96
- Loan volume
- $123.9M
- Avg loan size
- $1.3M
- Charge-off rate
- 1.7%
- vs 16.0% national
Charged off
1
Avg interest
6.76%
Franchises funded
51
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Mountain Mike's Pizza | 19 | $4.8M | 0.0% (excellent) |
| Gold's Gym | 8 | $4.2M | N/A |
| Motel 6 | 7 | $18.3M | N/A |
| Erik's Delicafe | 4 | $590K | N/A |
| Round Table Pizza | 4 | $1.8M | N/A |
| Togo's | 4 | $965K | N/A |
| Ramada Inns | 2 | $8.0M | N/A |
| Vagabond Inn | 2 | $4.1M | N/A |
| Circle K | 2 | $900K | N/A |
| Ampm Mini Market- Arco | 2 | $6.8M | N/A |
| Dairy Queen of the Pacific Nor | 2 | $1.2M | N/A |
| Nick the Greek | 2 | $435K | N/A |
| Rodeway Inn by Choice Hotels/R | 2 | $3.6M | N/A |
| Days Inn by Wyndham | 2 | $6.3M | N/A |
| Econo Lub N Tune | 1 | $150K | N/A |
| Subway Sandwich Shop | 1 | $150K | N/A |
| Auto Check | 1 | $270K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2005 | 1 |
| FY2008 | 1 |
| FY2009 | 3 |
| FY2010 | 1 |
| FY2013 | 3 |
| FY2014 | 4 |
| FY2015 | 2 |
| FY2016 | 9 |
| FY2017 | 16 |
| FY2018 | 12 |
| FY2019 | 12 |
| FY2020 | 3 |
| FY2021 | 12 |
| FY2022 | 7 |
| FY2023 | 5 |
| FY2024 | 5 |
SBA 7(a) · charge-off rate by approval year
West Coast Community Bank charge-off rate by loan vintage
Only 1 of these 9 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2009 | 3 | 0 | Too few |
| 2013 | 3 | 0 | Too few |
| 2014 | 4 | 0 | Too few |
| 2016 | 7 | 0 | Too few |
| 2017 | 11 | 0 | 0.0% |
| 2018 | 7 | 0 | Too few |
| 2019 | 6 | 0 | Too few |
| 2021 | 7 | 0 | Too early |
| 2022 | 3 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$123.9M
Charged off1 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. West Coast Community Bank's rate of 1.7% is below the national rate.
- 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.