SBA 7(a) franchise lending portfolio
Metro City Bank
- Total loans
- 302
- Loan volume
- $464.1M
- Avg loan size
- $1.5M
- Charge-off rate
- 4.5%
- vs 16.0% national
Charged off
7
Avg interest
5.97%
Franchises funded
170
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| American Deli | 26 | $8.5M | 0.0% (excellent) |
| Sunoco, LLC (Various Brands) F | 14 | $21.8M | N/A |
| SEI Fuel Services, Inc (Multi | 9 | $15.9M | N/A |
| Classic Star Group (Distributo | 7 | $11.8M | N/A |
| Dairy Queen Grill & Chill/Texa | 7 | $5.4M | N/A |
| The Athlete's Foot | 5 | $1.8M | N/A |
| Motel 6 | 5 | $8.6M | N/A |
| Best Western Inn | 4 | $5.1M | N/A |
| Quality Inn/Quality Suites, Ho | 4 | $8.6M | N/A |
| Ramada by Wyndham | 4 | $8.0M | N/A |
| Days Inn | 4 | $5.2M | N/A |
| Empire Petroleum Partners - Pe | 4 | $8.3M | N/A |
| McCraw Oil Company, Inc. - Mot | 4 | $8.6M | N/A |
| Comfort Inn by Choice Hotels/C | 3 | $13.0M | N/A |
| Hampton Inn | 3 | $9.2M | N/A |
| Super 8 | 3 | $3.5M | N/A |
| Shell Service Station | 3 | $2.0M | N/A |
| Chevron (gas Station) | 3 | $5.4M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2007 | 3 |
| FY2008 | 3 |
| FY2009 | 2 |
| FY2010 | 6 |
| FY2011 | 7 |
| FY2012 | 9 |
| FY2013 | 7 |
| FY2014 | 12 |
| FY2015 | 16 |
| FY2016 | 17 |
| FY2017 | 22 |
| FY2018 | 30 |
| FY2019 | 22 |
| FY2020 | 20 |
| FY2021 | 49 |
| FY2022 | 28 |
| FY2023 | 14 |
| FY2024 | 10 |
| FY2025 | 18 |
| FY2026 | 7 |
SBA 7(a) · charge-off rate by approval year
Metro City Bank: below all franchise loans in each of the 6 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2007 | 3 | 3 | Too few |
| 2008 | 3 | 1 | Too few |
| 2010 | 5 | 1 | Too few |
| 2011 | 7 | 0 | Too few |
| 2012 | 9 | 0 | Too few |
| 2013 | 5 | 0 | Too few |
| 2014 | 8 | 0 | Too few |
| 2015 | 14 | 1 | 7.1% |
| 2016 | 12 | 1 | 8.3% |
| 2017 | 16 | 0 | 0.0% |
| 2018 | 21 | 0 | 0.0% |
| 2019 | 13 | 0 | 0.0% |
| 2020 | 8 | 0 | Too early |
| 2021 | 21 | 0 | 0.0% |
| 2022 | 7 | 0 | Too early |
| 2023 | 3 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 Metro City Bank originated?
- 302 loans totaling $464.1M. The portfolio carries a 4.5% 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Metro City Bank's rate of 4.5% is below the national rate.
- 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 Metro City Bank fund the most?
- The “Top franchise exposures” table above lists the brands Metro City 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.