AB
SBA 7(a) franchise lending portfolio
Arvest Bank
Risk rating: Elevated
- Total loans
- 218
- Loan volume
- $57.2M
- Avg loan size
- $262K
- Charge-off rate
- 16.4%
- vs 16.0% national
Charged off
28
Avg interest
5.98%
Franchises funded
150
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 9 | $752K | N/A |
| Mail Boxes Etc. Usa | 8 | $971K | N/A |
| Simple Simon's Pizza | 5 | $295K | N/A |
| Great Clips | 5 | $1.2M | N/A |
| Curves For Women | 4 | $298K | N/A |
| Daylight Donut Shop | 4 | $857K | N/A |
| Ott's Pasta | 3 | $110K | N/A |
| A & W Restaurant | 3 | $460K | N/A |
| Post Net | 3 | $419K | N/A |
| Fantastic Sam's | 3 | $261K | N/A |
| Domino's Pizza | 3 | $1.7M | N/A |
| Farmers Insurance Agent Appoin | 3 | $233K | N/A |
| Kitchen Tune Up | 3 | $150K | N/A |
| Massage Heights | 3 | $2.7M | N/A |
| Mercury Marine Dealer Sales an | 3 | $1.3M | N/A |
| Holiday Inn Express | 2 | $2.4M | N/A |
| Blimpie | 2 | $154K | N/A |
| Radio Shack | 2 | $75K | N/A |
| Comet One-Hour Dry Cleaners | 2 | $353K | N/A |
| Gingiss Formal Wear | 2 | $225K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1994 | 5 |
| FY1995 | 7 |
| FY1996 | 15 |
| FY1997 | 6 |
| FY1998 | 10 |
| FY1999 | 1 |
| FY2000 | 4 |
| FY2001 | 4 |
| FY2002 | 6 |
| FY2003 | 6 |
| FY2004 | 10 |
| FY2005 | 8 |
| FY2006 | 2 |
| FY2007 | 3 |
| FY2008 | 5 |
| FY2009 | 2 |
| FY2010 | 4 |
| FY2011 | 3 |
| FY2012 | 6 |
| FY2013 | 3 |
| FY2014 | 9 |
| FY2015 | 12 |
| FY2016 | 10 |
| FY2017 | 7 |
| FY2018 | 6 |
| FY2019 | 7 |
| FY2020 | 15 |
| FY2021 | 11 |
| FY2022 | 12 |
| FY2023 | 6 |
| FY2024 | 6 |
| FY2025 | 5 |
SBA 7(a) · charge-off rate by approval year
Arvest Bank: above all franchise loans in 3 of 5 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1994 | 5 | 0 | Too few |
| 1995 | 7 | 1 | Too few |
| 1996 | 15 | 5 | 33.3% |
| 1997 | 6 | 3 | Too few |
| 1998 | 10 | 3 | 30.0% |
| 2000 | 4 | 1 | Too few |
| 2001 | 4 | 2 | Too few |
| 2002 | 6 | 1 | Too few |
| 2003 | 6 | 2 | Too few |
| 2004 | 10 | 2 | 20.0% |
| 2005 | 8 | 1 | Too few |
| 2007 | 3 | 2 | Too few |
| 2008 | 5 | 1 | Too few |
| 2010 | 4 | 0 | Too few |
| 2011 | 3 | 0 | Too few |
| 2012 | 6 | 0 | Too few |
| 2013 | 3 | 0 | Too few |
| 2014 | 9 | 1 | Too few |
| 2015 | 10 | 0 | 0.0% |
| 2016 | 8 | 0 | Too few |
| 2017 | 7 | 1 | Too few |
| 2018 | 6 | 0 | Too few |
| 2020 | 10 | 1 | 10.0% |
| 2022 | 4 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off 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%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Arvest Bank originated?
- 218 loans totaling $57.2M. The portfolio carries a 16.4% charge-off rate, earning a “Elevated” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Arvest Bank's rate of 16.4% is near the national rate.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Arvest Bank fund the most?
- The “Top franchise exposures” table above lists the brands Arvest Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.