CS
SBA 7(a) franchise lending portfolio
City State Bank
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $5.2M
- Avg loan size
- $469K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.59%
Franchises funded
9
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway | 2 | $1.1M | N/A |
| Camp Bow Wow | 2 | $944K | N/A |
| Subway Sandwich Shop | 1 | $150K | 0.0% (low risk) |
| Curves For Women | 1 | $150K | 0.0% (low risk) |
| Weedman | 1 | $150K | 0.0% (low risk) |
| Tint World | 1 | $344K | N/A |
| 4Ever Young | 1 | $450K | N/A |
| Surface Experts | 1 | $120K | 0.0% (low risk) |
| True Value Company LLC - Membe | 1 | $1.7M | N/A |
Lending volume by year
1'00
2'03
1'19
2'20
2'21
1'22
1'23
1'24
Geographic exposure
110.0% (low risk)
Portfolio summary
Total funded$5.2M
Defaults0 of 11
Risk tierEXCELLENT
Avg rate5.59%
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 State Bank originated?
- 11 loans totaling $5.2M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 State Bank fund the most?
- The “Top franchise exposures” table above lists the brands City State 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.