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Metro City Bank is the largest Korean-American bank not based in Los Angeles, offering comprehensive financial services including personal and business checking, savings, CDs, IRAs, commercial loans, SBA loans, USDA loans, and residential mortgages across 19 branches.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
contracting
As Of December 31, 2025
Median
$1.3M
Average
$1.9M
Sweet Spot
$1M-$2M
Industries with highest loan volume
Gasoline Stations with Convenience Stores
32
loans
$1.4M
avg. amount
Gasoline Stations with Convenience Stores
Loans
32
Avg. Amount
$1.4M
Beer, Wine, and Liquor Retailers
20
loans
$3.5M
avg. amount
Beer, Wine, and Liquor Retailers
Loans
20
Avg. Amount
$3.5M
Hotels (except Casino Hotels) and Motels
12
loans
$2.3M
avg. amount
Hotels (except Casino Hotels) and Motels
Loans
12
Avg. Amount
$2.3M
Limited-Service Restaurants
9
loans
$492K
avg. amount
Limited-Service Restaurants
Loans
9
Avg. Amount
$492K
Car Washes
7
loans
$3.4M
avg. amount
Car Washes
Loans
7
Avg. Amount
$3.4M
Convenience Retailers
6
loans
$676K
avg. amount
Convenience Retailers
Loans
6
Avg. Amount
$676K
Coin-Operated Laundries and Drycleaners
5
loans
$1.2M
avg. amount
Coin-Operated Laundries and Drycleaners
Loans
5
Avg. Amount
$1.2M
Full-Service Restaurants
4
loans
$521K
avg. amount
Full-Service Restaurants
Loans
4
Avg. Amount
$521K
Cosmetics, Beauty Supplies, and Perfume Retailers
3
loans
$327K
avg. amount
Cosmetics, Beauty Supplies, and Perfume Retailers
Loans
3
Avg. Amount
$327K
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
2
loans
$2.9M
avg. amount
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
Loans
2
Avg. Amount
$2.9M
10-Year Default Rate
0.8%
Percentile Ranking
85th
85th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.55% |
| $500K-$1M | Prime + 1.29% |
| $1M-$2M | Prime + 1.22% |
| $2M-$3M | Prime + 1.06% |
| $3M-$4M | Prime + 1.00% |
| $4M-$5M | Prime + 0.94% |
Spread over Prime at time of loan origination
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)