WC
SBA 7(a) franchise lending portfolio
Western Commerce Bank
Risk rating: Good
- Total loans
- 109
- Loan volume
- $123.2M
- Avg loan size
- $1.1M
- Charge-off rate
- 9.4%
- vs 16.0% national
Charged off
6
Avg interest
6.40%
Franchises funded
68
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Super 8 | 10 | $14.0M | N/A |
| Quality Inn by Choice Hotels / | 7 | $9.3M | N/A |
| Days Inn by Wyndham | 6 | $11.2M | N/A |
| Motel 6 | 6 | $10.5M | N/A |
| Red Brick Pizza | 3 | $882K | N/A |
| Alphagraphics, Printshops Of T | 3 | $295K | N/A |
| Econo Lodge | 3 | $1.9M | N/A |
| Merle Norman Cosmetics | 2 | $64K | N/A |
| H & R Block | 2 | $110K | N/A |
| Roto Rooter | 2 | $104K | N/A |
| Quiznos | 2 | $569K | N/A |
| Best Western Inn | 2 | $3.8M | N/A |
| Choice Hotels International In | 2 | $2.2M | N/A |
| Bahama Buck's Original Shaved | 2 | $460K | N/A |
| Quality Inn/Quality Suites, Ho | 2 | $2.7M | N/A |
| Americas Best Value Inn | 2 | $2.4M | N/A |
| Baymont Inn & Suites | 2 | $7.6M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY1993 | 2 |
| FY1994 | 8 |
| FY1995 | 1 |
| FY1996 | 2 |
| FY1997 | 2 |
| FY1998 | 1 |
| FY1999 | 2 |
| FY2002 | 2 |
| FY2004 | 1 |
| FY2005 | 2 |
| FY2006 | 4 |
| FY2007 | 5 |
| FY2008 | 5 |
| FY2009 | 5 |
| FY2010 | 2 |
| FY2011 | 1 |
| FY2012 | 1 |
| FY2014 | 5 |
| FY2015 | 1 |
| FY2016 | 2 |
| FY2017 | 6 |
| FY2018 | 14 |
| FY2019 | 2 |
| FY2020 | 7 |
| FY2021 | 7 |
| FY2022 | 4 |
| FY2023 | 6 |
| FY2024 | 3 |
| FY2025 | 4 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Western Commerce Bank charge-off rate by loan vintage
None of these 8 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 |
|---|---|---|---|
| 1994 | 8 | 3 | Too few |
| 2006 | 3 | 0 | Too few |
| 2007 | 5 | 0 | Too few |
| 2008 | 5 | 0 | Too few |
| 2009 | 5 | 0 | Too few |
| 2017 | 4 | 0 | Too few |
| 2018 | 6 | 0 | Too few |
| 2020 | 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
7911.3% (average)
200.0% (excellent)
3N/A
2N/A
2N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$123.2M
Charged off6 of 109
Risk tierGood
Avg rate6.40%
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 Western Commerce Bank originated?
- 109 loans totaling $123.2M. The portfolio carries a 9.4% charge-off rate, earning a “Good” 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. Western Commerce Bank's rate of 9.4% 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 Western Commerce Bank fund the most?
- The “Top franchise exposures” table above lists the brands Western Commerce 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.