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SBA 7(a) franchise lending portfolio
Citizens Bank & Trust Co
EXCELLENT risk
- Total loans
- 12
- Loan volume
- $2.1M
- Avg loan size
- $178K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.05%
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Slumberland | 2 | $250K | — |
| Great Clips | 1 | $30K | 0.0% |
| Curves For Women | 1 | $60K | 0.0% |
| Pizza Ranch | 1 | $700K | — |
| Qdoba Mexican Grill | 1 | $48K | 0.0% |
| HealthSource Chiropractic | 1 | $200K | — |
| Cobblestone Inn And Suites | 1 | $245K | — |
| Anytime Fitness | 1 | $125K | — |
| Subway Sandwich Shop | 1 | $200K | 0.0% |
| Subway | 1 | $125K | — |
| Nautical Bowls | 1 | $150K | — |
Lending volume by year
1'04
1'08
1'10
1'15
1'17
1'18
3'19
2'21
1'24
Geographic exposure
120.0%
Portfolio summary
Total funded$2.1M
Defaults0 of 12
Risk tierEXCELLENT
Avg rate6.05%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).