CB
SBA 7(a) franchise lending portfolio
Citizens Bank & Trust Co
EXCELLENT risk
- Total loans
- 12
- Loan volume
- $2.1M
- Avg loan size
- $178K
- Charge-off 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 | N/A |
| Great Clips | 1 | $30K | 0.0% (low risk) |
| Curves For Women | 1 | $60K | 0.0% (low risk) |
| Pizza Ranch | 1 | $700K | N/A |
| Qdoba Mexican Grill | 1 | $48K | 0.0% (low risk) |
| HealthSource Chiropractic | 1 | $200K | N/A |
| Cobblestone Inn And Suites | 1 | $245K | N/A |
| Anytime Fitness | 1 | $125K | N/A |
| Subway Sandwich Shop | 1 | $200K | 0.0% (low risk) |
| Subway | 1 | $125K | N/A |
| Nautical Bowls | 1 | $150K | N/A |
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% (low risk)
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
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 Bank & Trust Co originated?
- 12 loans totaling $2.1M. 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 Citizens Bank & Trust Co fund the most?
- The “Top franchise exposures” table above lists the brands Citizens Bank & Trust Co has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.