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SBA 7(a) franchise lending portfolio
Metro City Bank
EXCELLENT risk
- Total loans
- 302
- Loan volume
- $464.1M
- Avg loan size
- $1.5M
- Default rate
- 4.5%
- vs 15.4% national avg
Defaults
7
Avg interest
5.97%
Franchises funded
170
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Sunoco, LLC (Various Brands) F | 14 | $21.8M | 0.0% |
| American Deli | 14 | $5.8M | 0.0% |
| American Deli | 12 | $2.7M | 0.0% |
| SEI Fuel Services, Inc (Multi | 9 | $15.9M | 0.0% |
| Classic Star Group (Distributo | 7 | $11.8M | 0.0% |
| The Athlete's Foot | 5 | $1.8M | 0.0% |
| Motel 6 | 5 | $8.6M | 0.0% |
| Best Western Inn | 4 | $5.1M | 0.0% |
| Quality Inn/Quality Suites, Ho | 4 | $8.6M | 0.0% |
| Dairy Queen Grill & Chill/Texa | 4 | $3.9M | 0.0% |
| Ramada by Wyndham | 4 | $8.0M | — |
| Days Inn | 4 | $5.2M | 0.0% |
| Empire Petroleum Partners - Pe | 4 | $8.3M | 0.0% |
| McCraw Oil Company, Inc. - Mot | 4 | $8.6M | 0.0% |
| Comfort Inn by Choice Hotels/C | 3 | $13.0M | 0.0% |
| Dairy Queen | 3 | $1.5M | 0.0% |
| Hampton Inn | 3 | $9.2M | — |
| Super 8 | 3 | $3.5M | 0.0% |
| Shell Service Station | 3 | $2.0M | 0.0% |
| Chevron (gas Station) | 3 | $5.4M | 0.0% |
Lending volume by year
3'07
3'08
2'09
6'10
7'11
9'12
7'13
12'14
16'15
17'16
22'17
30'18
22'19
20'20
49'21
28'22
14'23
10'24
18'25
7'26
Metro City Bank default rate by loan vintage
BrandNational avg
Geographic exposure
1193.0%
713.6%
1512.5%
120.0%
90.0%
90.0%
80.0%
70.0%
733.3%
60.0%
Portfolio summary
Total funded$464.1M
Defaults7 of 302
Risk tierEXCELLENT
Avg rate5.97%
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%).