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SBA 7(a) franchise lending portfolio
Arvest Bank
ELEVATED risk
- Total loans
- 218
- Loan volume
- $57.2M
- Avg loan size
- $262K
- Default rate
- 16.4%
- vs 15.4% national avg
Defaults
28
Avg interest
5.98%
Franchises funded
150
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 9 | $752K | 0.0% |
| Mail Boxes Etc. Usa | 8 | $971K | 25.0% |
| Simple Simon's Pizza | 5 | $295K | 0.0% |
| Great Clips | 5 | $1.2M | 0.0% |
| Curves For Women | 4 | $298K | 0.0% |
| Daylight Donut Shop | 4 | $857K | 33.3% |
| Ott's Pasta | 3 | $110K | 33.3% |
| A & W Restaurant | 3 | $460K | 33.3% |
| Post Net | 3 | $419K | 33.3% |
| Fantastic Sam's | 3 | $261K | 0.0% |
| Domino's Pizza | 3 | $1.7M | 0.0% |
| Farmers Insurance Agent Appoin | 3 | $233K | 33.3% |
| Kitchen Tune Up | 3 | $150K | 0.0% |
| Massage Heights | 3 | $2.7M | — |
| Mercury Marine Dealer Sales an | 3 | $1.3M | — |
| Holiday Inn Express | 2 | $2.4M | 0.0% |
| Blimpie | 2 | $154K | 100.0% |
| Radio Shack | 2 | $75K | 100.0% |
| Comet One-Hour Dry Cleaners | 2 | $353K | 0.0% |
| Gingiss Formal Wear | 2 | $225K | 0.0% |
Lending volume by year
2'92
5
7
15
6
10'98
1
4
4
6
6'03
10
8
2
3
5'08
2
4
3
6
3'13
9
12
10
7
6'18
7
15
11
12
6'23
6
5'25
Arvest Bank default rate by loan vintage
BrandNational avg
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), Critical (>20%).