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SBA 7(a) franchise lending portfolio
City National Bank
ELEVATED risk
- Total loans
- 78
- Loan volume
- $34.5M
- Avg loan size
- $442K
- Default rate
- 19.4%
- vs 15.4% national avg
Defaults
12
Avg interest
6.72%
Franchises funded
49
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Mail Boxes Etc. Usa | 13 | $1.2M | 15.4% |
| Subway Sandwich Shop | 6 | $1.8M | 0.0% |
| Dairy Queen | 3 | $518K | 33.3% |
| Arco (gas Station) | 2 | $639K | 0.0% |
| Copy Club | 2 | $402K | 50.0% |
| Baskin-Robbins 31 Ice Cream | 2 | $249K | 0.0% |
| Shakey's Pizza | 2 | $440K | 0.0% |
| Submarina Sandwiches | 2 | $747K | 100.0% |
| Extreme Pizza | 2 | $209K | 0.0% |
| Auntie Ann's (soft Pretzels) | 2 | $770K | 0.0% |
| Massage Envy | 2 | $2.0M | — |
| Fastsigns | 2 | $2.9M | — |
| 911 Restoration | 2 | $1.6M | 0.0% |
| Paul W. Davis Systems | 1 | $100K | 0.0% |
| Togo's Eatery | 1 | $615K | 100.0% |
| Postal Annex Plus | 1 | $22K | 0.0% |
| Marie Callender Pie Shops | 1 | $1.0M | 0.0% |
| Mobil Oil (stations) | 1 | $225K | 0.0% |
| Melo's Pizza And Pasta | 1 | $425K | 100.0% |
| Econo Lodge Motel | 1 | $1.6M | 0.0% |
Lending volume by year
2'92
1
2
7
13
4'98
4
3
3
2
1'04
6
1
4
1
1'09
1
3
1
2
3'22
5
3
4
1'26
City National Bank default rate by loan vintage
BrandNational avg
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%).