Skip to main content
FranchiseVerdict

SBA 7(a) franchise lending portfolio

Bank OZK

Risk rating: Elevated
Total loans
154
Loan volume
$89.3M
Avg loan size
$580K
Charge-off rate
18.4%
vs 16.0% national

Charged off

23

Avg interest

6.61%

Franchises funded

118

Risk rating

Elevated

Top franchise exposures

FranchiseLoansVolumeCharge-off %
Beef O'brady's4$1.2MN/A
Pinch-A-Penny3$1.3MN/A
Moe's Sw Grill3$776KN/A
Marble Slab Creamery3$742KN/A
Tropical Smoothie3$478KN/A
Servpro3$932KN/A
DQ Grill & Chill Operating Agr3$2.9MN/A
Buff City Soap3$1.2MN/A
Subway Sandwich Shop2$240KN/A
Great Clips2$295KN/A
Best Western Inn2$4.8MN/A
Sir Speedy Printing Center2$1.6MN/A
Hampton Inns2$6.1MN/A
Denny's Restaurant2$525KN/A
Learning Express2$274KN/A
Once Upon A Child2$347KN/A
Winestyles, Inc.2$322KN/A
Dairy Queen2$950KN/A
Craigo's Pizza2$602KN/A
Holiday Inn Express2$7.7MN/A

SBA 7(a) · charge-off rate by approval year

Bank OZK: below all franchise loans in 2 of 3 rated years

Bank OZK: below all franchise loans in 2 of 3 rated yearsBank OZK charge-off rate by loan vintage. 20 approval years, 1996 to 2021; the 3 with at least 10 resolved loans are plotted, against all franchise loans approved the same year. Their rates run from 0.0% to 27.3%.

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
YearResolvedCharged offRate
199632Too few
199741Too few
199842Too few
200032Too few
20021000.0%
200321314.3%
200442Too few
200511327.3%
200651Too few
200752Too few
200841Too few
200951Too few
201030Too few
201140Too few
201230Too few
201370Too few
201460Too few
201561Too few
201951Too few
202130Too 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.

Geographic exposure

Florida
6716.9% (elevated)
Texas
3730.4% (high risk)
Georgia
275.3% (good)
Arkansas
1515.4% (elevated)
North Carolina
7N/A
Alabama
1N/A

Portfolio summary

Total funded$89.3M
Charged off23 of 154
Risk tierElevated
Avg rate6.61%

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 OZK originated?
154 loans totaling $89.3M. The portfolio carries a 18.4% 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. Bank OZK's rate of 18.4% is above 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 OZK fund the most?
The “Top franchise exposures” table above lists the brands Bank OZK has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.