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SBA 7(a) franchise lending portfolio
First Hawaiian Bank
GOOD risk
- Total loans
- 42
- Loan volume
- $6.3M
- Avg loan size
- $150K
- Default rate
- 7.3%
- vs 15.4% national avg
Defaults
3
Avg interest
6.14%
Franchises funded
25
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 7 | $1.2M | 0.0% |
| Cold Stone Creamery, Inc. | 4 | $995K | 50.0% |
| My Gym | 4 | $278K | 0.0% |
| Mail Boxes Etc. Usa | 2 | $230K | 0.0% |
| Dairy Queen | 2 | $370K | 0.0% |
| Liberty Tax Service | 2 | $60K | 0.0% |
| Dream Dinners | 2 | $250K | 0.0% |
| Plato's Closet | 2 | $250K | 0.0% |
| Paul W. Davis Systems | 1 | $50K | 0.0% |
| Dave's Ice Cream Palor (hawaii | 1 | $100K | 0.0% |
| Chuck E. Cheese (show Biz Pizz | 1 | $350K | 0.0% |
| Computertots | 1 | $25K | 0.0% |
| Curves For Women | 1 | $76K | 0.0% |
| Shakey's Pizza | 1 | $750K | 0.0% |
| Bevintel (f/K/A Bevinco) | 1 | $50K | 0.0% |
| Pizza Time | 1 | $48K | 0.0% |
| Planet Smoothie | 1 | $60K | 0.0% |
| Candleman | 1 | $138K | 100.0% |
| Cartridge World | 1 | $110K | 0.0% |
| Ninja Sushi | 1 | $100K | 0.0% |
Lending volume by year
1'92
1
1
1
1
2'00
2
1
2
5
2'06
2
7
2
2
4'11
2
1
1
1
1'25
First Hawaiian Bank default rate by loan vintage
BrandNational avg
Geographic exposure
427.3%
Portfolio summary
Total funded$6.3M
Defaults3 of 42
Risk tierGOOD
Avg rate6.14%
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%).