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SBA 7(a) franchise lending portfolio
Citizens National Bank of Texas
CRITICAL risk
- Total loans
- 25
- Loan volume
- $10.2M
- Avg loan size
- $410K
- Default rate
- 21.1%
- vs 15.4% national avg
Defaults
4
Avg interest
5.48%
Franchises funded
22
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dickey's Barbecue Pit | 3 | $1.3M | 0.0% |
| Marco's Pizza | 2 | $369K | 0.0% |
| Charley's Grilled Subs | 1 | $150K | 0.0% |
| Dairy Queen | 1 | $214K | 0.0% |
| Nrgize Lifestyle Cafe | 1 | $80K | 0.0% |
| Sylvan Learning Center | 1 | $224K | 0.0% |
| Line-X | 1 | $106K | 100.0% |
| Smoothie Factory | 1 | $150K | 0.0% |
| Texaco Service Station | 1 | $1.6M | 100.0% |
| Cici's Pizza | 1 | $350K | 0.0% |
| Pro Cuts | 1 | $140K | 0.0% |
| Denny's Restaurant | 1 | $1.8M | 0.0% |
| UPS Store | 1 | $60K | 0.0% |
| Quiznos | 1 | $150K | 100.0% |
| Save-A-Lot Food Stores | 1 | $844K | 100.0% |
| Boulder Design | 1 | $44K | 0.0% |
| Urban Air Adventure Park | 1 | $500K | — |
| Fuzzy's Taco Shop | 1 | $153K | 0.0% |
| Cicis | 1 | $350K | — |
| Airtime Trampoline & Game Park | 1 | $1.0M | — |
Lending volume by year
1'94
1'99
1'00
1'01
1'03
1'05
1'06
2'07
1'08
2'09
5'16
2'17
2'18
1'19
1'20
2'21
Geographic exposure
2521.1%
Portfolio summary
Total funded$10.2M
Defaults4 of 25
Risk tierCRITICAL
Avg rate5.48%
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%).