MC
SBA 7(a) franchise lending portfolio
Metro City Bank
EXCELLENT risk
- Total loans
- 302
- Loan volume
- $464.1M
- Avg loan size
- $1.5M
- Charge-off 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% (low risk) |
| American Deli | 14 | $5.8M | 0.0% (low risk) |
| American Deli | 12 | $2.7M | 0.0% (low risk) |
| SEI Fuel Services, Inc (Multi | 9 | $15.9M | 0.0% (low risk) |
| Classic Star Group (Distributo | 7 | $11.8M | 0.0% (low risk) |
| The Athlete's Foot | 5 | $1.8M | 0.0% (low risk) |
| Motel 6 | 5 | $8.6M | 0.0% (low risk) |
| Best Western Inn | 4 | $5.1M | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 4 | $8.6M | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 4 | $3.9M | 0.0% (low risk) |
| Ramada by Wyndham | 4 | $8.0M | N/A |
| Days Inn | 4 | $5.2M | 0.0% (low risk) |
| Empire Petroleum Partners - Pe | 4 | $8.3M | 0.0% (low risk) |
| McCraw Oil Company, Inc. - Mot | 4 | $8.6M | 0.0% (low risk) |
| Comfort Inn by Choice Hotels/C | 3 | $13.0M | 0.0% (low risk) |
| Dairy Queen | 3 | $1.5M | 0.0% (low risk) |
| Hampton Inn | 3 | $9.2M | N/A |
| Super 8 | 3 | $3.5M | 0.0% (low risk) |
| Shell Service Station | 3 | $2.0M | 0.0% (low risk) |
| Chevron (gas Station) | 3 | $5.4M | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
1193.0% (low risk)
713.6% (low risk)
1512.5% (elevated risk)
120.0% (low risk)
90.0% (low risk)
90.0% (low risk)
80.0% (low risk)
70.0% (low risk)
733.3% (very high risk)
60.0% (low risk)
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
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). 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 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.