BO
SBA 7(a) franchise lending portfolio
Bank of Hawaii
GOOD risk
- Total loans
- 59
- Loan volume
- $6.0M
- Avg loan size
- $102K
- Charge-off 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% (low risk) |
| Baskin-Robbins 31 Ice Cream | 4 | $550K | 0.0% (low risk) |
| Blimpie | 4 | $325K | 0.0% (low risk) |
| Fantastic Sam's | 3 | $275K | 0.0% (low risk) |
| UPS Store | 2 | $125K | 100.0% (very high risk) |
| Moe's Sw Grill | 2 | $190K | 0.0% (low risk) |
| Robeks Juice | 2 | $285K | 0.0% (low risk) |
| U Build It | 2 | $150K | 0.0% (low risk) |
| Bubbies Homemade Ice Cream | 2 | $120K | 0.0% (low risk) |
| Quiznos | 2 | $295K | 0.0% (low risk) |
| Flip Flop Shops | 2 | $80K | 50.0% (very high risk) |
| Stained Glass Overlay, Inc. | 1 | $120K | 0.0% (low risk) |
| Merle Norman Cosmetics | 1 | $310K | 0.0% (low risk) |
| Rocky Mountain Chocolate Facto | 1 | $125K | 0.0% (low risk) |
| General Nutrition Center | 1 | $160K | 0.0% (low risk) |
| Athlete's Foot | 1 | $40K | N/A |
| Edo Japan | 1 | $150K | 0.0% (low risk) |
| Pretzelmaker | 1 | $70K | 0.0% (low risk) |
| Century 21 | 1 | $50K | 0.0% (low risk) |
| TGI Friday's, Inc. | 1 | $200K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
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 Bank of Hawaii originated?
- 59 loans totaling $6.0M. The portfolio carries a 6.9% charge-off rate, earning a “GOOD” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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 Bank of Hawaii fund the most?
- The “Top franchise exposures” table above lists the brands Bank of Hawaii has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.