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SBA 7(a) franchise lending portfolio
First National Bank of Oklahoma
ELEVATED risk
- Total loans
- 17
- Loan volume
- $3.3M
- Avg loan size
- $195K
- Default rate
- 18.8%
- vs 15.4% national avg
Defaults
3
Avg interest
10.00%
Franchises funded
5
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Taco Mayo | 11 | $1.7M | 27.3% |
| Subway Sandwich Shop | 2 | $85K | 0.0% |
| Jackson Hewitt Tax Service | 2 | $95K | 0.0% |
| The UPS Store | 1 | $80K | 0.0% |
| Golden Chick | 1 | $1.3M | — |
Lending volume by year
1'92
1'93
1'94
7'95
2'97
1'99
1'03
2'06
1'24
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%).