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SBA 7(a) franchise lending portfolio
Citizens State Bank
CRITICAL risk
- Total loans
- 12
- Loan volume
- $1.4M
- Avg loan size
- $119K
- Default rate
- 33.3%
- vs 15.4% national avg
Defaults
1
Avg interest
9.10%
Franchises funded
7
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Chiroway | 4 | $270K | — |
| Stretch Zone | 2 | $100K | — |
| D-Bat | 2 | $704K | — |
| Maid-Rite Sandwich Shop | 1 | $53K | 100.0% |
| Ford Motor (dealers) | 1 | $78K | 0.0% |
| The Grounds Guys | 1 | $80K | 0.0% |
| Real Deals on Home Decor | 1 | $142K | — |
Lending volume by year
1'92
1'94
1'16
1'21
1'23
3'24
4'25
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%).