CN
SBA 7(a) franchise lending portfolio
Citibank, N.A.
ELEVATED risk
- Total loans
- 117
- Loan volume
- $18.7M
- Avg loan size
- $160K
- Charge-off rate
- 15.7%
- vs 15.4% national avg
Defaults
18
Avg interest
6.49%
Franchises funded
78
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Pearle Vision Center | 9 | $2.5M | 0.0% (low risk) |
| Subway Sandwich Shop | 8 | $360K | 12.5% (elevated risk) |
| Mail Boxes Etc. Usa | 7 | $537K | 14.3% (elevated risk) |
| AAMCO Transmissions | 3 | $195K | 0.0% (low risk) |
| Quiznos | 3 | $250K | 100.0% (very high risk) |
| Domino's Pizza | 2 | $302K | 0.0% (low risk) |
| Econo Lub N Tune | 2 | $790K | 50.0% (very high risk) |
| Tcby | 2 | $317K | 50.0% (very high risk) |
| Post Net | 2 | $62K | 0.0% (low risk) |
| Blimpie | 2 | $40K | 0.0% (low risk) |
| Minuteman Press | 2 | $200K | 0.0% (low risk) |
| Dryclean Usa | 2 | $150K | 0.0% (low risk) |
| Best Western Inn | 2 | $1.6M | 50.0% (very high risk) |
| Liberty Tax Service | 2 | $90K | 0.0% (low risk) |
| Carvel Ice Cream | 2 | $75K | 50.0% (very high risk) |
| Round Table Pizza | 2 | $70K | 0.0% (low risk) |
| Pinch-A-Penny | 2 | $100K | 0.0% (low risk) |
| Great Steak And Potato Company | 2 | $150K | 0.0% (low risk) |
| The UPS Store | 2 | $62K | 0.0% (low risk) |
| Mobil Oil (stations) | 1 | $200K | 0.0% (low risk) |
Lending volume by year
2'92
1
9
12
5
5'98
12
3
5
2
3'03
4
5
3
11
12'08
1
1
2
3
12'16
2
1
1'23
Citibank, N.A. charge-off rate by loan vintage
BrandNational avg
Geographic exposure
5111.8% (elevated risk)
2917.9% (high risk)
1513.3% (elevated risk)
616.7% (high risk)
620.0% (very high risk)
30.0% (low risk)
366.7% (very high risk)
250.0% (very high risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$18.7M
Defaults18 of 117
Risk tierELEVATED
Avg rate6.49%
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 Citibank, N.A. originated?
- 117 loans totaling $18.7M. The portfolio carries a 15.7% charge-off rate, earning a “ELEVATED” 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 Citibank, N.A. fund the most?
- The “Top franchise exposures” table above lists the brands Citibank, N.A. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.