CT
SBA 7(a) franchise lending portfolio
Citibank Texas, National Association
ELEVATED risk
- Total loans
- 11
- Loan volume
- $3.3M
- Avg loan size
- $298K
- Charge-off rate
- 18.2%
- vs 15.4% national avg
Defaults
2
Avg interest
N/A
Franchises funded
10
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Ripley's Attractions, Inc. | 2 | $1.6M | 0.0% (low risk) |
| Swensen's Ice Cream Factory | 1 | $150K | 0.0% (low risk) |
| Ramada Inn | 1 | $125K | 0.0% (low risk) |
| Fast-Fix Jewelry Repairs | 1 | $150K | 0.0% (low risk) |
| Jackson Hewitt Tax Service | 1 | $69K | 0.0% (low risk) |
| Candy Bouquet | 1 | $25K | 0.0% (low risk) |
| Mr. Payroll Corporation | 1 | $150K | 0.0% (low risk) |
| Certa Propainters | 1 | $275K | 100.0% (very high risk) |
| Card$mart | 1 | $510K | 100.0% (very high risk) |
| Dairy Queen | 1 | $225K | 0.0% (low risk) |
Lending volume by year
1'96
1'99
2'01
4'02
3'04
Geographic exposure
1118.2% (high risk)
Portfolio summary
Total funded$3.3M
Defaults2 of 11
Risk tierELEVATED
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 Texas, National Association originated?
- 11 loans totaling $3.3M. The portfolio carries a 18.2% 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 Texas, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Citibank Texas, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.