CB
SBA 7(a) franchise lending portfolio
Citizens Business Bank National Association
Risk rating: Average
- Total loans
- 132
- Loan volume
- $54.9M
- Avg loan size
- $416K
- Charge-off rate
- 11.3%
- vs 16.0% national
Charged off
14
Avg interest
6.17%
Franchises funded
89
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Menchie's | 6 | $1.8M | N/A |
| Subway Sandwich Shop | 5 | $1.0M | N/A |
| Quiznos | 5 | $755K | N/A |
| Texaco Service Station | 4 | $2.6M | N/A |
| Mobil Oil (stations) | 3 | $1.7M | N/A |
| Baskin-Robbins 31 Ice Cream | 3 | $590K | N/A |
| Popeye's Famous Fried Chicken | 3 | $1.9M | N/A |
| MAACO Auto Painting Center | 3 | $1.9M | N/A |
| Motel 6 | 3 | $5.5M | N/A |
| Jimmy John's | 3 | $962K | N/A |
| Fantastic Sam's | 2 | $105K | N/A |
| Dairy Queen | 2 | $311K | N/A |
| Tcby | 2 | $130K | N/A |
| Chevron (gas Station) | 2 | $1.9M | N/A |
| Del Taco | 2 | $2.3M | N/A |
| Servpro | 2 | $1.5M | N/A |
| Red Brick Pizza | 2 | $370K | N/A |
| UPS Store | 2 | $167K | N/A |
| Jackson Hewitt Tax Service | 2 | $200K | N/A |
| Cold Stone Creamery, Inc. | 2 | $364K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 3 |
| FY1993 | 1 |
| FY1994 | 1 |
| FY1996 | 4 |
| FY1997 | 4 |
| FY1998 | 6 |
| FY1999 | 3 |
| FY2000 | 7 |
| FY2001 | 8 |
| FY2002 | 5 |
| FY2003 | 6 |
| FY2004 | 7 |
| FY2005 | 6 |
| FY2006 | 5 |
| FY2007 | 3 |
| FY2008 | 3 |
| FY2009 | 3 |
| FY2010 | 3 |
| FY2011 | 5 |
| FY2013 | 2 |
| FY2014 | 1 |
| FY2015 | 15 |
| FY2016 | 7 |
| FY2017 | 12 |
| FY2018 | 8 |
| FY2019 | 2 |
| FY2020 | 1 |
| FY2024 | 1 |
SBA 7(a) · charge-off rate by approval year
Citizens Business Bank National Association charge-off rate by loan vintage
Only 1 of these 21 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 3 | 0 | Too few |
| 1996 | 4 | 0 | Too few |
| 1997 | 4 | 1 | Too few |
| 1998 | 6 | 1 | Too few |
| 1999 | 3 | 0 | Too few |
| 2000 | 7 | 0 | Too few |
| 2001 | 8 | 1 | Too few |
| 2002 | 5 | 0 | Too few |
| 2003 | 6 | 1 | Too few |
| 2004 | 7 | 0 | Too few |
| 2005 | 6 | 0 | Too few |
| 2006 | 5 | 1 | Too few |
| 2007 | 3 | 2 | Too few |
| 2008 | 3 | 2 | Too few |
| 2009 | 3 | 1 | Too few |
| 2010 | 3 | 0 | Too few |
| 2011 | 5 | 0 | Too few |
| 2015 | 15 | 1 | 6.7% |
| 2016 | 6 | 0 | Too few |
| 2017 | 9 | 2 | Too few |
| 2018 | 6 | 1 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
13111.4% (average)
1N/A
Portfolio summary
Total funded$54.9M
Charged off14 of 132
Risk tierAverage
Avg rate6.17%
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 Business Bank National Association originated?
- 132 loans totaling $54.9M. The portfolio carries a 11.3% charge-off rate, earning a “Average” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Citizens Business Bank National Association's rate of 11.3% is below the national rate.
- 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 Business Bank National Association fund the most?
- The “Top franchise exposures” table above lists the brands Citizens Business Bank National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.