![City State Bank logo](https://cdn.brandfetch.io/citystatebank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
City State Bank
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $5.2M
- Avg loan size
- $469K
- Default 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 | — |
| Camp Bow Wow | 2 | $944K | — |
| Subway Sandwich Shop | 1 | $150K | 0.0% |
| Curves For Women | 1 | $150K | 0.0% |
| Weedman | 1 | $150K | 0.0% |
| Tint World | 1 | $344K | — |
| 4Ever Young | 1 | $450K | — |
| Surface Experts | 1 | $120K | 0.0% |
| True Value Company LLC - Membe | 1 | $1.7M | — |
Lending volume by year
1'00
2'03
1'19
2'20
2'21
1'22
1'23
1'24
Geographic exposure
110.0%
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
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%).