FS
SBA 7(a) franchise lending portfolio
Five Star Bank
Risk rating: Good
- Total loans
- 218
- Loan volume
- $74.9M
- Avg loan size
- $343K
- Charge-off rate
- 6.3%
- vs 16.0% national
Charged off
6
Avg interest
7.97%
Franchises funded
127
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway | 10 | $1.3M | N/A |
| Rumble | 9 | $5.2M | N/A |
| The Little Gym | 9 | $3.3M | N/A |
| YogaSix | 9 | $4.9M | N/A |
| Blo Blow Dry Bar | 8 | $2.9M | N/A |
| Stretch Lab | 6 | $2.0M | N/A |
| Costa Vida Management | 5 | $2.4M | N/A |
| Yoga Six | 5 | $2.5M | N/A |
| Crumbl | 5 | $2.2M | N/A |
| Everbowl | 4 | $1.1M | N/A |
| Dickey's Barbecue Pit | 3 | $530K | N/A |
| Tutor Doctor | 3 | $110K | N/A |
| Big O Tires | 3 | $2.5M | N/A |
| The Yard Milkshake Bar | 3 | $1.2M | N/A |
| Pizza Guys | 3 | $718K | N/A |
| Ace Hardware | 3 | $1.9M | N/A |
| Dunkin Donuts | 2 | $255K | N/A |
| Salsarita's | 2 | $510K | N/A |
| Home Instead Senior Care | 2 | $108K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 1 |
| FY1997 | 1 |
| FY1998 | 1 |
| FY2000 | 1 |
| FY2001 | 3 |
| FY2002 | 1 |
| FY2003 | 2 |
| FY2004 | 1 |
| FY2005 | 1 |
| FY2006 | 2 |
| FY2009 | 1 |
| FY2013 | 2 |
| FY2014 | 3 |
| FY2015 | 5 |
| FY2016 | 18 |
| FY2017 | 17 |
| FY2018 | 9 |
| FY2019 | 14 |
| FY2020 | 11 |
| FY2021 | 19 |
| FY2022 | 29 |
| FY2023 | 54 |
| FY2024 | 19 |
| FY2025 | 3 |
SBA 7(a) · charge-off rate by approval year
Five Star Bank: below all franchise loans in 2 of 3 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2001 | 3 | 0 | Too few |
| 2014 | 3 | 0 | Too few |
| 2015 | 4 | 0 | Too few |
| 2016 | 16 | 1 | 6.2% |
| 2017 | 14 | 3 | 21.4% |
| 2018 | 4 | 2 | Too few |
| 2020 | 7 | 0 | Too early |
| 2021 | 8 | 0 | Too early |
| 2022 | 13 | 0 | 0.0% |
| 2023 | 7 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
560.0% (excellent)
4617.6% (elevated)
2314.3% (average)
140.0% (excellent)
9N/A
7N/A
7N/A
6N/A
5N/A
5N/A
Portfolio summary
Total funded$74.9M
Charged off6 of 218
Risk tierGood
Avg rate7.97%
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 Five Star Bank originated?
- 218 loans totaling $74.9M. The portfolio carries a 6.3% charge-off rate, earning a “Good” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Five Star Bank's rate of 6.3% is below the national rate.
- 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 Five Star Bank fund the most?
- The “Top franchise exposures” table above lists the brands Five Star 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.