CN
SBA 7(a) franchise lending portfolio
City National Bank
Risk rating: Elevated
- Total loans
- 78
- Loan volume
- $34.5M
- Avg loan size
- $442K
- Charge-off rate
- 19.4%
- vs 16.0% national
Charged off
12
Avg interest
6.72%
Franchises funded
49
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Mail Boxes Etc. Usa | 13 | $1.2M | 15.4% (elevated) |
| Subway Sandwich Shop | 6 | $1.8M | N/A |
| Dairy Queen | 3 | $518K | N/A |
| Arco (gas Station) | 2 | $639K | N/A |
| Copy Club | 2 | $402K | N/A |
| Baskin-Robbins 31 Ice Cream | 2 | $249K | N/A |
| Shakey's Pizza | 2 | $440K | N/A |
| Submarina Sandwiches | 2 | $747K | N/A |
| Extreme Pizza | 2 | $209K | N/A |
| Auntie Ann's (soft Pretzels) | 2 | $770K | N/A |
| Massage Envy | 2 | $2.0M | N/A |
| Fastsigns | 2 | $2.9M | N/A |
| 911 Restoration | 2 | $1.6M | N/A |
| Paul W. Davis Systems | 1 | $100K | N/A |
| Togo's Eatery | 1 | $615K | N/A |
| Postal Annex Plus | 1 | $22K | N/A |
| Marie Callender Pie Shops | 1 | $1.0M | N/A |
| Mobil Oil (stations) | 1 | $225K | N/A |
| Melo's Pizza And Pasta | 1 | $425K | N/A |
| Econo Lodge Motel | 1 | $1.6M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1994 | 1 |
| FY1995 | 2 |
| FY1996 | 7 |
| FY1997 | 13 |
| FY1998 | 4 |
| FY1999 | 4 |
| FY2000 | 3 |
| FY2002 | 3 |
| FY2003 | 2 |
| FY2004 | 1 |
| FY2005 | 6 |
| FY2006 | 1 |
| FY2007 | 4 |
| FY2008 | 1 |
| FY2009 | 1 |
| FY2010 | 1 |
| FY2011 | 3 |
| FY2014 | 1 |
| FY2017 | 2 |
| FY2022 | 3 |
| FY2023 | 5 |
| FY2024 | 3 |
| FY2025 | 4 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
City National Bank charge-off rate by loan vintage
Only 1 of these 9 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1996 | 7 | 1 | Too few |
| 1997 | 13 | 3 | 23.1% |
| 1998 | 4 | 1 | Too few |
| 1999 | 4 | 2 | Too few |
| 2000 | 3 | 1 | Too few |
| 2002 | 3 | 0 | Too few |
| 2005 | 6 | 2 | Too few |
| 2007 | 4 | 2 | Too few |
| 2011 | 3 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 City National Bank originated?
- 78 loans totaling $34.5M. The portfolio carries a 19.4% charge-off rate, earning a “Elevated” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. City National Bank's rate of 19.4% is above the national rate.
- 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 City National Bank fund the most?
- The “Top franchise exposures” table above lists the brands City National Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.