CS
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
- Charge-off 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 | N/A |
| Gameday Men's Health/Gameday | 2 | $373K | 0.0% (low risk) |
| Maid-Rite Sandwich Shop | 1 | $205K | 0.0% (low risk) |
| Little Caesar Pizza | 1 | $150K | 0.0% (low risk) |
| Toppers Pizza | 1 | $73K | 0.0% (low risk) |
| Massage Heights | 1 | $652K | 100.0% (very high risk) |
| Sylvan Learning Center | 1 | $285K | 0.0% (low risk) |
| EOS Worldwide | 1 | $32K | 0.0% (low risk) |
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
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 State Bank of La Crosse originated?
- 10 loans totaling $2.6M. The portfolio carries a 14.3% 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). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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 State Bank of La Crosse fund the most?
- The “Top franchise exposures” table above lists the brands Citizens State Bank of La Crosse has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.