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SBA 7(a) franchise lending portfolio
Buckeye State Bank
ELEVATED risk
- Total loans
- 25
- Loan volume
- $7.2M
- Avg loan size
- $289K
- Default 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% |
| Rocky Mountain Chocolate Facto | 2 | $259K | 100.0% |
| Vito's Pizza | 2 | $1.2M | 0.0% |
| Marco's Pizza | 2 | $694K | 0.0% |
| The Tox | 2 | $554K | — |
| Mr. Electric | 1 | $62K | 0.0% |
| Five Star Painting | 1 | $50K | 0.0% |
| Barry Bagels | 1 | $299K | — |
| Tutti Frutti Frozen Yogurt | 1 | $200K | 0.0% |
| Forever Yogurt | 1 | $316K | 100.0% |
| Mobility City | 1 | $185K | — |
| MaidPro | 1 | $175K | — |
| Another Broken Egg Cafe | 1 | $259K | — |
| Crumbl | 1 | $649K | — |
Lending volume by year
2'08
5'14
5'15
3'16
2'17
2'18
2'24
4'25
Buckeye State Bank default rate by loan vintage
BrandNational avg
Geographic exposure
1333.3%
40.0%
10.0%
10.0%
10.0%
1100.0%
10.0%
10.0%
10.0%
10.0%
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
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%).