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SBA 7(a) franchise lending portfolio
Bank OZK
ELEVATED risk
- Total loans
- 154
- Loan volume
- $89.3M
- Avg loan size
- $580K
- Default rate
- 18.4%
- vs 15.4% national avg
Defaults
23
Avg interest
6.61%
Franchises funded
118
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Beef O'brady's | 4 | $1.2M | 0.0% |
| Pinch-A-Penny | 3 | $1.3M | 0.0% |
| Moe's Sw Grill | 3 | $776K | 0.0% |
| Marble Slab Creamery | 3 | $742K | 33.3% |
| Tropical Smoothie | 3 | $478K | 0.0% |
| Servpro | 3 | $932K | 0.0% |
| DQ Grill & Chill Operating Agr | 3 | $2.9M | 0.0% |
| Buff City Soap | 3 | $1.2M | — |
| Subway Sandwich Shop | 2 | $240K | 50.0% |
| Great Clips | 2 | $295K | 0.0% |
| Best Western Inn | 2 | $4.8M | 0.0% |
| Sir Speedy Printing Center | 2 | $1.6M | 0.0% |
| Hampton Inns | 2 | $6.1M | 0.0% |
| Denny's Restaurant | 2 | $525K | 0.0% |
| Learning Express | 2 | $274K | 0.0% |
| Once Upon A Child | 2 | $347K | 50.0% |
| Winestyles, Inc. | 2 | $322K | 100.0% |
| Dairy Queen | 2 | $950K | 0.0% |
| Craigo's Pizza | 2 | $602K | 50.0% |
| Holiday Inn Express | 2 | $7.7M | 0.0% |
Lending volume by year
3'96
4
4
2
3
2'01
10
21
4
11
5'06
5
4
5
3
4'11
3
8
6
6
2'16
2
3
6
7
7'21
1
4
7
2'25
Bank OZK 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%).