BO
SBA 7(a) franchise lending portfolio
Bank of Hawaii
Risk rating: Good
- Total loans
- 59
- Loan volume
- $6.0M
- Avg loan size
- $102K
- Charge-off rate
- 6.9%
- vs 16.0% national
Charged off
4
Avg interest
6.07%
Franchises funded
38
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 7 | $661K | N/A |
| Baskin-Robbins 31 Ice Cream | 4 | $550K | N/A |
| Blimpie | 4 | $325K | N/A |
| Fantastic Sam's | 3 | $275K | N/A |
| UPS Store | 2 | $125K | N/A |
| Moe's Sw Grill | 2 | $190K | N/A |
| Robeks Juice | 2 | $285K | N/A |
| U Build It | 2 | $150K | N/A |
| Bubbies Homemade Ice Cream | 2 | $120K | N/A |
| Quiznos | 2 | $295K | N/A |
| Flip Flop Shops | 2 | $80K | N/A |
| Stained Glass Overlay, Inc. | 1 | $120K | N/A |
| Merle Norman Cosmetics | 1 | $310K | N/A |
| Rocky Mountain Chocolate Facto | 1 | $125K | N/A |
| General Nutrition Center | 1 | $160K | N/A |
| Athlete's Foot | 1 | $40K | N/A |
| Edo Japan | 1 | $150K | N/A |
| Pretzelmaker | 1 | $70K | N/A |
| Century 21 | 1 | $50K | N/A |
| TGI Friday's, Inc. | 1 | $200K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 3 |
| FY1995 | 2 |
| FY1997 | 2 |
| FY1998 | 3 |
| FY1999 | 3 |
| FY2000 | 2 |
| FY2002 | 5 |
| FY2003 | 5 |
| FY2004 | 3 |
| FY2005 | 5 |
| FY2006 | 10 |
| FY2007 | 2 |
| FY2008 | 5 |
| FY2009 | 1 |
| FY2010 | 1 |
| FY2012 | 1 |
| FY2013 | 3 |
| FY2016 | 1 |
SBA 7(a) · charge-off rate by approval year
Bank of Hawaii charge-off rate by loan vintage
Only 1 of these 9 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1993 | 3 | 0 | Too few |
| 1998 | 3 | 0 | Too few |
| 2002 | 5 | 0 | Too few |
| 2003 | 5 | 1 | Too few |
| 2004 | 3 | 0 | Too few |
| 2005 | 5 | 0 | Too few |
| 2006 | 10 | 0 | 0.0% |
| 2008 | 5 | 2 | Too few |
| 2013 | 3 | 1 | Too few |
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 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). 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. Bank of Hawaii's rate of 6.9% is below 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 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.