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SBA 7(a) franchise lending portfolio
City National Bank of Florida
CRITICAL risk
- Total loans
- 12
- Loan volume
- $9.3M
- Avg loan size
- $777K
- Default rate
- 20.0%
- vs 15.4% national avg
Defaults
1
Avg interest
9.15%
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The Brass Tap | 3 | $2.2M | — |
| Dunkin Donuts | 2 | $385K | 0.0% |
| Cold Stone Creamery, Inc. | 1 | $440K | 0.0% |
| Kiddie Academy | 1 | $320K | 100.0% |
| Signarama | 1 | $1.2M | 0.0% |
| Golden Corral | 1 | $3.7M | — |
| Pinecrest Bakery | 1 | $560K | — |
| The UPS Store (f/k/a Mail Box | 1 | $225K | — |
| Estrella Insurance | 1 | $250K | — |
Lending volume by year
1'04
1'08
2'10
1'16
2'24
5'25
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%).