BS
SBA 7(a) franchise lending portfolio
Buckeye State Bank
ELEVATED risk
- Total loans
- 25
- Loan volume
- $7.2M
- Avg loan size
- $289K
- Charge-off rate
- 16.7%
- vs 15.4% national avg
Defaults
3
Avg interest
7.38%
Franchises funded
14
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Marco's Pizza | 8 | $2.3M | 0.0% (low risk) |
| Rocky Mountain Chocolate Facto | 2 | $259K | 100.0% (very high risk) |
| Vito's Pizza | 2 | $1.2M | 0.0% (low risk) |
| Marco's Pizza | 2 | $694K | 0.0% (low risk) |
| The Tox | 2 | $554K | N/A |
| Mr. Electric | 1 | $62K | 0.0% (low risk) |
| Five Star Painting | 1 | $50K | 0.0% (low risk) |
| Barry Bagels | 1 | $299K | N/A |
| Tutti Frutti Frozen Yogurt | 1 | $200K | 0.0% (low risk) |
| Forever Yogurt | 1 | $316K | 100.0% (very high risk) |
| Mobility City | 1 | $185K | N/A |
| MaidPro | 1 | $175K | N/A |
| Another Broken Egg Cafe | 1 | $259K | N/A |
| Crumbl | 1 | $649K | N/A |
Lending volume by year
2'08
5'14
5'15
3'16
2'17
2'18
2'24
4'25
Buckeye State Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
1333.3% (very high risk)
40.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
1100.0% (very high risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$7.2M
Defaults3 of 25
Risk tierELEVATED
Avg rate7.38%
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 Buckeye State Bank originated?
- 25 loans totaling $7.2M. The portfolio carries a 16.7% 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 Buckeye State Bank fund the most?
- The “Top franchise exposures” table above lists the brands Buckeye State Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.