California Bank of Commerce, NA
Headquartered in SAN DIEGO, CA. Analysis based on 101 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $104.9M.
Total 7(a) loans
101
Total approved
$104.9M
Average loan
$1.0M
States funded in
4
Charge-off rate
1.39%
FY2020–FY2023 cohort
Paid-in-full rate
30.56%
Average rate
7.88%
Average term
169 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 312120 | Breweries | 6 |
| 722511 | Full-Service Restaurants | 6 |
| 484110 | General Freight Trucking, Local | 4 |
| 238990 | All Other Specialty Trade Contractors | 4 |
| 454110 | Electronic Shopping and Mail-Order Houses | 3 |
| 623312 | Homes for the Elderly | 3 |
| 561311 | Employment Placement Agencies | 3 |
| 236220 | Commercial and Institutional Building Construction | 3 |
| 532490 | Other Commercial and Industrial Machinery and Equipment Rental and Lea | 2 |
| 541990 | All Other Professional, Scientific, and Technical Services | 2 |
Top 10 states
| State | Loans |
|---|---|
| CA | 97 |
| OR | 2 |
| AR | 1 |
| TX | 1 |
Top franchise brands financed
6 franchise loans across 5 distinct brands.
| Franchise | Loans |
|---|---|
| Dale Carnegie | 2 |
| Nekter Juice Bar | 1 |
| Serotonin | 1 |
| K1 Speed | 1 |
| NuYo Frozen Yogurt | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.