![Citizens Business Bank National Association logo](https://cdn.brandfetch.io/citizensbusinessbank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Citizens Business Bank National Association
AVERAGE risk
- Total loans
- 132
- Loan volume
- $54.9M
- Avg loan size
- $416K
- Default rate
- 11.3%
- vs 15.4% national avg
Defaults
14
Avg interest
6.17%
Franchises funded
89
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Menchie's | 6 | $1.8M | 20.0% |
| Subway Sandwich Shop | 5 | $1.0M | 0.0% |
| Quiznos | 5 | $755K | 20.0% |
| Texaco Service Station | 4 | $2.6M | 0.0% |
| Mobil Oil (stations) | 3 | $1.7M | 0.0% |
| Baskin-Robbins 31 Ice Cream | 3 | $590K | 66.7% |
| Popeye's Famous Fried Chicken | 3 | $1.9M | 0.0% |
| MAACO Auto Painting Center | 3 | $1.9M | 33.3% |
| Motel 6 | 3 | $5.5M | 0.0% |
| Jimmy John's | 3 | $962K | 0.0% |
| Fantastic Sam's | 2 | $105K | 0.0% |
| Dairy Queen | 2 | $311K | 0.0% |
| Tcby | 2 | $130K | 0.0% |
| Chevron (gas Station) | 2 | $1.9M | 0.0% |
| Del Taco | 2 | $2.3M | 0.0% |
| Servpro | 2 | $1.5M | 0.0% |
| Red Brick Pizza | 2 | $370K | 0.0% |
| UPS Store | 2 | $167K | 0.0% |
| Jackson Hewitt Tax Service | 2 | $200K | 0.0% |
| Cold Stone Creamery, Inc. | 2 | $364K | 0.0% |
Lending volume by year
3'92
1
1
4
4
6'98
3
7
8
5
6'03
7
6
5
3
3'08
3
3
5
2
1'14
15
7
12
8
2'19
1
1'24
Citizens Business Bank National Association default rate by loan vintage
BrandNational avg
Geographic exposure
13111.4%
10.0%
Portfolio summary
Total funded$54.9M
Defaults14 of 132
Risk tierAVERAGE
Avg rate6.17%
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%).