Lenders › City National Bank of Florida
7(a) lenderMiami, FloridaFDIC-insured bank147th of 2,184 by approvals
City National Bank of Florida
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.
City National Bank of Florida (Miami, Florida) is an FDIC-insured bank in the SBA 7(a) program, 147th of 2,184 by approvals in FY2021 to FY2025: 257 loans worth $146M.
In FY2025, the latest complete fiscal year, it had 133 approvals totalling $91.7M, up 62% on FY2024 (82). FY2026 to 30 Jun 2026 adds 27 more.
The median approval was $350K, against $190K for the 7(a) program as a whole; 16.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 35 states and territories and 106 counties, led by Florida (48.2%), Texas (10.9%) and California (8.9%). The largest industry group was professional, scientific, and technical services at 21.4% of approvals, and 2.7% of approvals were to franchise businesses.
Of 149 disbursed loans approved in FY2010 to FY2021, SBA records 16 as charged off (10.7%), 130 as paid in full and 3 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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* | 27 | $40.4M | $890K | $1.5M | 459 |
| FY2025 | 133 | $91.7M | $450K | $689K | 1,142 |
| FY2024 | 82 | $37.5M | $370K | $458K | 1,190 |
| FY2023 | 35 | $11.4M | $300K | $325K | 297 |
| FY2022 | 6 | $1.9M | $350K | $318K | 47 |
| FY2021 | 1 | — | — | — | 12 |
| FY2020 | 0 | — | — | — | 0 |
| FY2019 | 0 | — | — | — | 0 |
| FY2018 | 2 | — | — | — | 170 |
| FY2017 | 6 | $7.9M | $844K | $1.3M | 35 |
| FY2016 | 14 | $20.5M | $875K | $1.5M | 285 |
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 22 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 | Florida | 7(a) program |
|---|---|---|---|
| Approvals in these years | 181 | 31,863 | 639,905 |
| Cancelled or never disbursed | 32 | 3,596 | 79,313 |
| Disbursed loans | 149 | 28,267 | 560,592 |
| Paid in full | 130 | 20,064 | 435,813 |
| Charged off | 16 | 2,783 | 36,891 |
| Still outstanding (status exempt from disclosure) | 3 | 5,420 | 87,888 |
| Charged off, share of disbursed loans | 10.7% | 9.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 5.2% | 3.1% | 2.5% |
| Dollars charged off | $4.0M | $442M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 1 | 1 | 0 | — | 2.8% |
| FY2020 | 0 | 0 | 0 | — | 4.0% |
| FY2019 | 0 | 0 | 0 | — | 6.7% |
| FY2018 | 1 | 1 | 0 | — | 7.9% |
| FY2017 | 6 | 6 | 0 | — | 7.7% |
| FY2016 | 10 | 9 | 0 | — | 7.2% |
| FY2015 | 13 | 12 | 0 | — | 6.9% |
| FY2014 | 20 | 20 | 0 | — | 6.4% |
| FY2013 | 5 | 5 | 0 | — | 6.0% |
| FY2012 | 16 | 15 | 1 | — | 6.3% |
| FY2011 | 26 | 22 | 3 | — | 6.9% |
| FY2010 | 51 | 39 | 12 | 23.5% | 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 | $350K | $190K |
| Average approval | $568K | $518K |
| Approvals of $150,000 or less | 16.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 3.1% | 34.3% |
| Approvals to franchise businesses | 2.7% | 11.5% |
| Jobs supported per approval, as reported | 10.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 10.7% | 6.6% |
States served
| # | State of the business (35 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida | 124 | $76.6M | 48.2% | |
| 2 | Texas | 28 | $28.0M | 10.9% | |
| 3 | California | 23 | $7.5M | 8.9% | |
| 4 | New York | 9 | $3.7M | 3.5% | |
| 5 | Ohio | 7 | $2.3M | 2.7% | |
| 6 | Pennsylvania | 7 | $2.1M | 2.7% | |
| 7 | Illinois | 5 | $1.9M | 1.9% | |
| 8 | Louisiana | 5 | $1.6M | 1.9% | |
| 9 | Virginia | 4 | $1.8M | 1.6% | |
| 10 | Wisconsin | 4 | $1.4M | 1.6% | |
| 11 | Colorado | 4 | $1.1M | 1.6% | |
| 12 | Maryland | 3 | $1.5M | 1.2% |
In Florida the lender accounts for 0.5% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (106 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Miami-Dade County, FL | 63 | $42.4M | 24.5% | |
| 2 | Broward County, FL | 28 | $16.9M | 10.9% | |
| 3 | Palm Beach County, FL | 14 | $3.7M | 5.4% | |
| 4 | Los Angeles County, CA | 8 | $2.9M | 3.1% | |
| 5 | Travis County, TX | 7 | $10.5M | 2.7% | |
| 6 | Cook County, IL | 5 | $1.9M | 1.9% | |
| 7 | Seminole County, FL | 4 | $7.6M | 1.6% | |
| 8 | Dallas County, TX | 4 | $6.4M | 1.6% | |
| 9 | Orange County, CA | 4 | $1.2M | 1.6% | |
| 10 | Williamson County, TX | 3 | $3.8M | 1.2% | |
| 11 | Collin County, TX | 3 | $2.1M | 1.2% | |
| 12 | Hillsborough County, FL | 3 | $1.7M | 1.2% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 55 | 21.4% | |
| 2 | Retail Trade | 34 | 13.2% | |
| 3 | Construction | 31 | 12.1% | |
| 4 | Wholesale Trade | 23 | 8.9% | |
| 5 | Health Care and Social Assistance | 22 | 8.6% | |
| 6 | Accommodation and Food Services | 21 | 8.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 16 | 6.2% | |
| 8 | Other Services (except Public Administration) | 13 | 5.1% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 18 | 7.0% | |
| 2 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 12 | 4.7% | |
| 3 | Residential Building ConstructionNAICS 2361 | 10 | 3.9% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 9 | 3.5% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 9 | 3.5% | |
| 6 | Legal ServicesNAICS 5411 | 9 | 3.5% | |
| 7 | Computer Systems Design and Related ServicesNAICS 5415 | 8 | 3.1% | |
| 8 | Personal Care ServicesNAICS 8121 | 8 | 3.1% | |
| 9 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 8 | 3.1% | |
| 10 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 7 | 2.7% |
Approval sizes
- $50,000 or less1.2%3
- $50,001 to $150,00014.8%38
- $150,001 to $350,00036.6%94
- $350,001 to $1 million39.7%102
- $1 million to $2 million1.6%4
- Over $2 million6.2%16
Loan terms
- 5 years or less0.8%2
- Over 5 to 10 years97.3%250
- Over 10 to 20 years1.6%4
- Over 20 years0.4%1
Age of the businesses
- Existing, more than 2 years old92.6%238
- New business, 2 years or less2.3%6
- Startup, loan funds will open the business0.8%2
- Change of ownership4.3%11
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 192 | 74.7% | |
| 2 | 7a General | 54 | 21.0% | |
| 3 | SBA Express Program | 9 | 3.5% | |
| 4 | 7a with EWCP | 2 | 0.8% |
Franchise share
7 of 257 approvals in FY2021–FY2025 (2.7%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | The Brass Tap Craft Beer Bar | 3 | 1.2% | |
| 2 | Golden Corral | 1 | 0.4% | |
| 3 | Pinecrest Bakery | 1 | 0.4% | |
| 4 | Estrella Insurance | 1 | 0.4% | |
| 5 | The UPS Store | 1 | 0.4% |
Questions and answers
How many SBA loans does City National Bank of Florida make?
SBA approved 133 7(a) loans through City National Bank of Florida in FY2025, worth $91.7M, and 257 over FY2021 to FY2025. That ranks 147th of 2,184 active 7(a) lenders by number of approvals.
How large are City National Bank of Florida's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $350K and the average $568K. The program-wide median was $190K.
What is City National Bank of Florida's charge-off rate?
Of 149 disbursed loans approved in FY2010 to FY2021, SBA records 16 as charged off (10.7%), 130 as paid in full and 3 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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 of Florida lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (18); other professional, scientific, and technical services (12); residential building construction (10); other specialty trade contractors (9).
Where does City National Bank of Florida make SBA loans?
In 35 states and territories. Florida 124, Texas 28, California 23, New York 9, Ohio 7. In Florida it accounts for 0.5% of all 7(a) approvals.
Is City National Bank of Florida's SBA lending rising?
Volumes are too small to compare periods.
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