Lenders › City National Bank
7(a) lenderLos Angeles, CaliforniaFDIC-insured bank101st of 2,184 by approvals
City National Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
In FY2021 to FY2025 SBA approved 374 7(a) loans, worth $465M, through City National Bank of Los Angeles, California, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 101st among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 106 approvals totalling $132M, up 13% on FY2024 (94). FY2026 to 30 Jun 2026 adds 65 more.
The median approval was $887K, against $190K for the 7(a) program as a whole; 6.1% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 20 states and territories and 64 counties, led by California (75.4%), Arizona (5.6%) and Nevada (5.3%). The largest industry group was professional, scientific, and technical services at 14.7% of approvals, and 4.5% of approvals were to franchise businesses.
Of 569 disbursed loans approved in FY2010 to FY2021, SBA records 10 as charged off (1.8%), 509 as paid in full and 50 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 65 | $77.7M | $944K | $1.2M | 973 |
| FY2025 | 106 | $132M | $928K | $1.2M | 1,330 |
| FY2024 | 94 | $111M | $851K | $1.2M | 1,944 |
| FY2023 | 114 | $158M | $994K | $1.4M | 2,570 |
| FY2022 | 37 | $32.6M | $615K | $882K | 591 |
| FY2021 | 23 | $31.6M | $720K | $1.4M | 893 |
| FY2020 | 15 | $12.5M | $310K | $834K | 416 |
| FY2019 | 25 | $19.4M | $411K | $777K | 594 |
| FY2018 | 34 | $18.8M | $276K | $554K | 731 |
| FY2017 | 53 | $18.6M | $150K | $350K | 768 |
| FY2016 | 65 | $23.0M | $250K | $354K | 1,635 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 192 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 707 | 79,249 | 639,905 |
| Cancelled or never disbursed | 138 | 10,102 | 79,313 |
| Disbursed loans | 569 | 69,147 | 560,592 |
| Paid in full | 509 | 52,688 | 435,813 |
| Charged off | 10 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 50 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 1.8% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.9% | 1.5% | 2.5% |
| Dollars charged off | $1.9M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 21 | 4 | 0 | — | 2.8% |
| FY2020 | 8 | 1 | 0 | — | 4.0% |
| FY2019 | 20 | 11 | 0 | — | 6.7% |
| FY2018 | 25 | 20 | 0 | — | 7.9% |
| FY2017 | 37 | 31 | 0 | 0.0% | 7.7% |
| FY2016 | 56 | 51 | 3 | 5.4% | 7.2% |
| FY2015 | 82 | 77 | 3 | 3.7% | 6.9% |
| FY2014 | 46 | 46 | 0 | 0.0% | 6.4% |
| FY2013 | 53 | 51 | 0 | 0.0% | 6.0% |
| FY2012 | 62 | 61 | 1 | 1.6% | 6.3% |
| FY2011 | 116 | 115 | 1 | 0.9% | 6.9% |
| FY2010 | 43 | 41 | 2 | 4.7% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $887K | $190K |
| Average approval | $1.2M | $518K |
| Approvals of $150,000 or less | 6.1% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 20.9% | 34.3% |
| Approvals to franchise businesses | 4.5% | 11.5% |
| Jobs supported per approval, as reported | 19.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 1.8% | 6.6% |
States served
| # | State of the business (20 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 282 | $347M | 75.4% | |
| 2 | Arizona | 21 | $19.2M | 5.6% | |
| 3 | Nevada | 20 | $34.8M | 5.3% | |
| 4 | New York | 11 | $22.0M | 2.9% | |
| 5 | New Jersey | 8 | $6.3M | 2.1% | |
| 6 | Georgia | 4 | $6.0M | 1.1% | |
| 7 | Texas | 4 | $5.4M | 1.1% | |
| 8 | District of Columbia | 4 | $4.7M | 1.1% | |
| 9 | Florida | 4 | $2.5M | 1.1% | |
| 10 | Tennessee | 3 | $3.2M | 0.8% | |
| 11 | Maryland | 3 | $3.0M | 0.8% | |
| 12 | Massachusetts | 2 | — | 0.5% |
In California the lender accounts for 0.8% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (64 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 99 | $131M | 26.5% | |
| 2 | Orange County, CA | 51 | $77.4M | 13.6% | |
| 3 | Riverside County, CA | 29 | $30.3M | 7.8% | |
| 4 | Clark County, NV | 19 | $33.0M | 5.1% | |
| 5 | Maricopa County, AZ | 19 | $16.5M | 5.1% | |
| 6 | San Diego County, CA | 17 | $15.6M | 4.5% | |
| 7 | Alameda County, CA | 10 | $10.6M | 2.7% | |
| 8 | Ventura County, CA | 10 | $8.0M | 2.7% | |
| 9 | Santa Clara County, CA | 9 | $15.6M | 2.4% | |
| 10 | San Bernardino County, CA | 8 | $11.5M | 2.1% | |
| 11 | Sacramento County, CA | 7 | $5.9M | 1.9% | |
| 12 | Marin County, CA | 6 | $6.7M | 1.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 55 | 14.7% | |
| 2 | Manufacturing | 47 | 12.6% | |
| 3 | Construction | 44 | 11.8% | |
| 4 | Health Care and Social Assistance | 43 | 11.5% | |
| 5 | Accommodation and Food Services | 32 | 8.6% | |
| 6 | Wholesale Trade | 31 | 8.3% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 28 | 7.5% | |
| 8 | Other Services (except Public Administration) | 27 | 7.2% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 31 | 8.3% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 17 | 4.5% | |
| 3 | Offices of PhysiciansNAICS 6211 | 17 | 4.5% | |
| 4 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 15 | 4.0% | |
| 5 | Computer Systems Design and Related ServicesNAICS 5415 | 12 | 3.2% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 11 | 2.9% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 10 | 2.7% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 9 | 2.4% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 9 | 2.4% | |
| 10 | Architectural, Engineering, and Related ServicesNAICS 5413 | 8 | 2.1% |
Approval sizes
- $50,000 or less0.5%2
- $50,001 to $150,0005.6%21
- $150,001 to $350,00012.0%45
- $350,001 to $1 million38.2%143
- $1 million to $2 million24.1%90
- Over $2 million19.5%73
Loan terms
- 5 years or less0.3%1
- Over 5 to 10 years51.6%193
- Over 10 to 20 years2.7%10
- Over 20 years45.5%170
Age of the businesses
- Existing, more than 2 years old77.0%288
- New business, 2 years or less20.6%77
- Startup, loan funds will open the business0.3%1
- Change of ownership2.1%8
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 316 | 84.5% | |
| 2 | SBA Express Program | 53 | 14.2% | |
| 3 | 7a General | 3 | 0.8% | |
| 4 | International Trade Loans | 2 | 0.5% |
Franchise share
17 of 374 approvals in FY2021–FY2025 (4.5%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Fastsigns | 2 | 0.5% | |
| 2 | 911 Restoration | 2 | 0.5% | |
| 3 | CMIT Solutions | 2 | 0.5% | |
| 4 | Subway | 1 | 0.3% | |
| 5 | Restoration 1 | 1 | 0.3% | |
| 6 | HomeSmart International | 1 | 0.3% | |
| 7 | The Goddard School | 1 | 0.3% | |
| 8 | Paul Davis Restoration | 1 | 0.3% |
Questions and answers
How many SBA loans does City National Bank make?
SBA approved 106 7(a) loans through City National Bank in FY2025, worth $132M, and 374 over FY2021 to FY2025. That ranks 101st of 2,184 active 7(a) lenders by number of approvals.
How large are City National Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $887K and the average $1.2M. The program-wide median was $190K.
What is City National Bank's charge-off rate?
Of 569 disbursed loans approved in FY2010 to FY2021, SBA records 10 as charged off (1.8%), 509 as paid in full and 50 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does City National Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (31); building equipment contractors (17); offices of physicians (17); other professional, scientific, and technical services (15).
Where does City National Bank make SBA loans?
In 20 states and territories. California 282, Arizona 21, Nevada 20, New York 11, New Jersey 8. In California it accounts for 0.8% of all 7(a) approvals.
Is City National Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 314, against 75 in the three before: rising (+319%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error