BO
SBA 7(a) franchise lending portfolio
Bank OZK
ELEVATED risk
- Total loans
- 154
- Loan volume
- $89.3M
- Avg loan size
- $580K
- Charge-off 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% (low risk) |
| Pinch-A-Penny | 3 | $1.3M | 0.0% (low risk) |
| Moe's Sw Grill | 3 | $776K | 0.0% (low risk) |
| Marble Slab Creamery | 3 | $742K | 33.3% (very high risk) |
| Tropical Smoothie | 3 | $478K | 0.0% (low risk) |
| Servpro | 3 | $932K | 0.0% (low risk) |
| DQ Grill & Chill Operating Agr | 3 | $2.9M | 0.0% (low risk) |
| Buff City Soap | 3 | $1.2M | N/A |
| Subway Sandwich Shop | 2 | $240K | 50.0% (very high risk) |
| Great Clips | 2 | $295K | 0.0% (low risk) |
| Best Western Inn | 2 | $4.8M | 0.0% (low risk) |
| Sir Speedy Printing Center | 2 | $1.6M | 0.0% (low risk) |
| Hampton Inns | 2 | $6.1M | 0.0% (low risk) |
| Denny's Restaurant | 2 | $525K | 0.0% (low risk) |
| Learning Express | 2 | $274K | 0.0% (low risk) |
| Once Upon A Child | 2 | $347K | 50.0% (very high risk) |
| Winestyles, Inc. | 2 | $322K | 100.0% (very high risk) |
| Dairy Queen | 2 | $950K | 0.0% (low risk) |
| Craigo's Pizza | 2 | $602K | 50.0% (very high risk) |
| Holiday Inn Express | 2 | $7.7M | 0.0% (low risk) |
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 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 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). 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 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.