Metro City Bank
Headquartered in DORAVILLE, GA. Analysis based on 963 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.66B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Metro City Bank ranks #6 by charge-off rate (0.14%).
Total 7(a) loans
963
Total approved
$1.66B
Average loan
$1.7M
States funded in
31
Charge-off rate
0.14%
FY2020–FY2023 cohort
Paid-in-full rate
24.83%
Average rate
6.41%
Average term
248 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 447110 | Gasoline Stations with Convenience Stores | 101 |
| 722511 | Full-Service Restaurants | 86 |
| 722513 | Limited-Service Restaurants | 73 |
| 721110 | Hotels (except Casino Hotels) and Motels | 63 |
| 445310 | Beer, Wine, and Liquor Stores | 60 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 59 |
| 811192 | Car Washes | 48 |
| 112320 | Broilers and Other Meat Type | 36 |
| 112310 | Chicken Egg Production | 22 |
| 812310 | Coin-Operated Laundries and Drycleaners | 20 |
Top 10 states
| State | Loans |
|---|---|
| GA | 386 |
| TX | 230 |
| NY | 65 |
| FL | 35 |
| WA | 30 |
| AL | 30 |
| CA | 25 |
| VA | 24 |
| PA | 21 |
| NJ | 17 |
Top franchise brands financed
183 franchise loans across 90 distinct brands.
| Franchise | Loans |
|---|---|
| Sunoco, LLC (Various Brands) F | 13 |
| SEI Fuel Services, Inc (Multi | 10 |
| American Deli | 9 |
| Motel 6 | 7 |
| Empire Petroleum Partners - Pe | 6 |
| Classic Star Group (Distributo | 6 |
| Ramada by Wyndham | 4 |
| King Fuels, Inc. (Valero) Moto | 4 |
| McCraw Oil Company, Inc. - Mot | 4 |
| Country Inn & Suites by Radiss | 3 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.