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SBA 7(a) franchise lending portfolio
Citizens State Bank of La Crosse
AVERAGE risk
- Total loans
- 10
- Loan volume
- $2.6M
- Avg loan size
- $263K
- Default rate
- 14.3%
- vs 15.4% national avg
Defaults
1
Avg interest
6.44%
Franchises funded
8
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Toppers Pizza | 2 | $860K | — |
| Gameday Men's Health/Gameday | 2 | $373K | 0.0% |
| Maid-Rite Sandwich Shop | 1 | $205K | 0.0% |
| Little Caesar Pizza | 1 | $150K | 0.0% |
| Toppers Pizza | 1 | $73K | 0.0% |
| Massage Heights | 1 | $652K | 100.0% |
| Sylvan Learning Center | 1 | $285K | 0.0% |
| EOS Worldwide | 1 | $32K | 0.0% |
Lending volume by year
1'09
1'11
1'12
2'13
2'16
1'21
1'24
1'25
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%).