C(
SBA 7(a) franchise lending portfolio
Citibank (West), FSB
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $6.8M
- Avg loan size
- $377K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
N/A
Franchises funded
15
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 2 | $1.3M | 0.0% (low risk) |
| Arco (gas Station) | 2 | $1.8M | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 2 | $180K | 0.0% (low risk) |
| Super 8 Motel | 1 | $500K | 0.0% (low risk) |
| Big Boy | 1 | $1.1M | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 1 | $167K | 0.0% (low risk) |
| Foster Freeze | 1 | $275K | 0.0% (low risk) |
| Togo's Eatery | 1 | $188K | 0.0% (low risk) |
| Remax | 1 | $342K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $50K | 0.0% (low risk) |
| Haagen-Dazs Ice Cream | 1 | $100K | 0.0% (low risk) |
| Great Earth Vitamin Store | 1 | $54K | 0.0% (low risk) |
| Sir Speedy Printing Center | 1 | $765K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $33K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 1 | $15K | 0.0% (low risk) |
Lending volume by year
2'94
4'95
3'96
1'97
5'98
1'99
1'00
1'05
Citibank (West), FSB charge-off rate by loan vintage
BrandNational avg
Geographic exposure
180.0% (low risk)
Portfolio summary
Total funded$6.8M
Defaults0 of 18
Risk tierEXCELLENT
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 (West), FSB originated?
- 18 loans totaling $6.8M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 (West), FSB fund the most?
- The “Top franchise exposures” table above lists the brands Citibank (West), FSB has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.