City National Bank of Florida: SBA Lending Record

City National Bank of Florida: the record

City National Bank of Florida has, in SBA's FY2017 through FY2026 data, 319 loans with $241.3 million approved in gross dollars. Every loan is SBA 7(a), and none is SBA 504. SBA files City National Bank of Florida under FL. The page reports loans SBA lists City National Bank of Florida as holding or having held last, and SBA provides the guarantee on all 319 loans. A 7(a) loan is listed under its present or final holder, and the page says nothing about the holder's own lending rules.

Florida, then Texas and California

Florida accounts for 145 loans, Texas for 43, California for 28 and New York for 11. Of the 319 loans, 258 have no named class. Full-service restaurants come first among the named ones, at 14, then medical offices, the limited-service restaurant and child care with 7 each, and grocery stores with 6.

Outcomes in SBA data

For City National Bank of Florida the cancellation rate is left out as Loan Analytics' rule requires, because the loans behind it fall short, so it is not a zero. For City National Bank of Florida the charge-off figure is left out under a rule of our own, given under 30 loans in that cohort, so it is no zero.

A study without outcome rates

Without cancellation or charge-off figures to lean on, a study carries more of the argument. A full-service restaurant study should follow sales per seat, covers filled at a realistic check and occupancy cost against sales. A medical office study should follow how many providers there are, who pays and how many visits they see. A child care study should follow staffing ratios, licensed places and the enrolment ramp. A grocery study should follow basket size, shrink and the trade area. With 258 loans outside every named class, an unlisted type of property has no precedent here. A Florida project lies where the file is deepest, and a project elsewhere should explain why these holdings are relevant. End in coverage of debt service under a base case and a downside case and an appraised value that holds.

Why the blanks matter

Two blanks shape this page, and both are rule-driven. Loan Analytics holds back each rate when too few loans stand behind it, which is how a bank with 319 loans can show no cancellation or charge-off rate at all. A reader should treat the blank as missing information and not as evidence of good or poor results. What remains is the 258 unclassified loans, the 145 in Florida, and the class counts of 14 and 7, which are modest.