CB
SBA 7(a) franchise lending portfolio
Civista Bank
EXCELLENT risk
- Total loans
- 24
- Loan volume
- $9.1M
- Avg loan size
- $380K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.74%
Franchises funded
19
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin' Donuts | 4 | $3.5M | 0.0% (low risk) |
| Gionino's Pizzeria, Inc. | 2 | $300K | 0.0% (low risk) |
| Teriyaki Madness | 2 | $955K | N/A |
| Comfort Keepers | 1 | $45K | 0.0% (low risk) |
| Proliferation Enterprises | 1 | $40K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $140K | 0.0% (low risk) |
| Flowerama | 1 | $150K | 0.0% (low risk) |
| Budget Blinds | 1 | $15K | 0.0% (low risk) |
| Marathon Oil Company | 1 | $500K | 0.0% (low risk) |
| Minuteman Press | 1 | $139K | N/A |
| Plato's Closet | 1 | $230K | 0.0% (low risk) |
| Clothes Mentor | 1 | $200K | 0.0% (low risk) |
| Fresh Coat | 1 | $63K | N/A |
| The Hummus & Pita Co. | 1 | $465K | N/A |
| Better Blend | 1 | $210K | N/A |
| DQ Grill & Chill Operating Agr | 1 | $720K | 0.0% (low risk) |
| The New York Butcher Shoppe | 1 | $495K | N/A |
| 1-800-Radiator & A/C | 1 | $750K | N/A |
| Mr. Hero | 1 | $238K | 0.0% (low risk) |
Lending volume by year
1'05
3'06
1'07
3'08
1'15
1'17
1'18
3'19
1'20
3'21
1'22
2'24
3'25
Civista Bank charge-off rate by loan vintage
BrandNational avg
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 Civista Bank originated?
- 24 loans totaling $9.1M. 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 Civista Bank fund the most?
- The “Top franchise exposures” table above lists the brands Civista 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.