CN
SBA 7(a) franchise lending portfolio
City National Bank of Florida
CRITICAL risk
- Total loans
- 12
- Loan volume
- $9.3M
- Avg loan size
- $777K
- Charge-off 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 | N/A |
| Dunkin Donuts | 2 | $385K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 1 | $440K | 0.0% (low risk) |
| Kiddie Academy | 1 | $320K | 100.0% (very high risk) |
| Signarama | 1 | $1.2M | 0.0% (low risk) |
| Golden Corral | 1 | $3.7M | N/A |
| Pinecrest Bakery | 1 | $560K | N/A |
| The UPS Store (f/k/a Mail Box | 1 | $225K | N/A |
| Estrella Insurance | 1 | $250K | N/A |
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
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 of Florida originated?
- 12 loans totaling $9.3M. The portfolio carries a 20.0% charge-off rate, earning a “CRITICAL” 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 City National Bank of Florida fund the most?
- The “Top franchise exposures” table above lists the brands City National Bank of Florida has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.