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SBA 7(a) franchise lending portfolio
West Coast Community Bank
EXCELLENT risk
- Total loans
- 96
- Loan volume
- $123.9M
- Avg loan size
- $1.3M
- Default 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% |
| Mountain Mike's Pizza | 7 | $1.9M | 0.0% |
| Gold's Gym | 6 | $1.9M | 0.0% |
| Erik's Delicafe | 4 | $590K | 0.0% |
| Round Table Pizza | 4 | $1.8M | 0.0% |
| Togo's | 4 | $965K | 0.0% |
| Motel 6 | 4 | $11.2M | 0.0% |
| Motel 6 | 3 | $7.0M | 0.0% |
| Ramada Inns | 2 | $8.0M | 0.0% |
| Vagabond Inn | 2 | $4.1M | 0.0% |
| Circle K | 2 | $900K | 0.0% |
| Ampm Mini Market- Arco | 2 | $6.8M | 0.0% |
| Gold's Gym | 2 | $2.3M | 0.0% |
| Dairy Queen of the Pacific Nor | 2 | $1.2M | 0.0% |
| Nick the Greek | 2 | $435K | 0.0% |
| Rodeway Inn by Choice Hotels/R | 2 | $3.6M | 0.0% |
| Days Inn by Wyndham | 2 | $6.3M | 0.0% |
| Econo Lub N Tune | 1 | $150K | 100.0% |
| Subway Sandwich Shop | 1 | $150K | 0.0% |
| Auto Check | 1 | $270K | 0.0% |
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 default 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
Default 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%), Critical (>20%).