CA
SBA 7(a) franchise lending portfolio
Citizens and Farmers Bank
ELEVATED risk
- Total loans
- 18
- Loan volume
- $2.6M
- Avg loan size
- $146K
- Charge-off rate
- 16.7%
- vs 15.4% national avg
Defaults
3
Avg interest
N/A
Franchises funded
10
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Bruster's | 7 | $1.3M | 0.0% (low risk) |
| Mr. Handyman | 2 | $150K | 0.0% (low risk) |
| Wild Birds Unlimited | 2 | $130K | 0.0% (low risk) |
| Postal Instant Press | 1 | $192K | 100.0% (very high risk) |
| Pip Printing | 1 | $20K | 100.0% (very high risk) |
| My Girlfriends Kitchens | 1 | $135K | 0.0% (low risk) |
| Little Professor Book Center | 1 | $236K | 100.0% (very high risk) |
| Domino's Pizza | 1 | $200K | 0.0% (low risk) |
| Rainbow International Corporat | 1 | $140K | 0.0% (low risk) |
| Foot Solutions | 1 | $130K | 0.0% (low risk) |
Lending volume by year
1'02
6'03
8'04
2'05
1'07
Geographic exposure
1816.7% (high risk)
Portfolio summary
Total funded$2.6M
Defaults3 of 18
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 Citizens and Farmers Bank originated?
- 18 loans totaling $2.6M. The portfolio carries a 16.7% 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 Citizens and Farmers Bank fund the most?
- The “Top franchise exposures” table above lists the brands Citizens and Farmers 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.