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SBA 7(a) franchise lending portfolio
Bank of Hawaii
GOOD risk
- Total loans
- 59
- Loan volume
- $6.0M
- Avg loan size
- $102K
- Default rate
- 6.9%
- vs 15.4% national avg
Defaults
4
Avg interest
6.07%
Franchises funded
38
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 7 | $661K | 0.0% |
| Baskin-Robbins 31 Ice Cream | 4 | $550K | 0.0% |
| Blimpie | 4 | $325K | 0.0% |
| Fantastic Sam's | 3 | $275K | 0.0% |
| UPS Store | 2 | $125K | 100.0% |
| Moe's Sw Grill | 2 | $190K | 0.0% |
| Robeks Juice | 2 | $285K | 0.0% |
| U Build It | 2 | $150K | 0.0% |
| Bubbies Homemade Ice Cream | 2 | $120K | 0.0% |
| Quiznos | 2 | $295K | 0.0% |
| Flip Flop Shops | 2 | $80K | 50.0% |
| Stained Glass Overlay, Inc. | 1 | $120K | 0.0% |
| Merle Norman Cosmetics | 1 | $310K | 0.0% |
| Rocky Mountain Chocolate Facto | 1 | $125K | 0.0% |
| General Nutrition Center | 1 | $160K | 0.0% |
| Athlete's Foot | 1 | $40K | — |
| Edo Japan | 1 | $150K | 0.0% |
| Pretzelmaker | 1 | $70K | 0.0% |
| Century 21 | 1 | $50K | 0.0% |
| TGI Friday's, Inc. | 1 | $200K | 0.0% |
Lending volume by year
2'92
3'93
2'95
2'97
3'98
3'99
2'00
5'02
5'03
3'04
5'05
10'06
2'07
5'08
1'09
1'10
1'12
3'13
1'16
Bank of Hawaii 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%).