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SBA 7(a) franchise lending portfolio
Five Star Bank
GOOD risk
- Total loans
- 218
- Loan volume
- $74.9M
- Avg loan size
- $343K
- Default rate
- 6.3%
- vs 15.4% national avg
Defaults
6
Avg interest
7.97%
Franchises funded
127
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Rumble | 9 | $5.2M | 0.0% |
| The Little Gym | 9 | $3.3M | 0.0% |
| YogaSix | 9 | $4.9M | 0.0% |
| Blo Blow Dry Bar | 8 | $2.9M | 0.0% |
| Subway | 7 | $1.0M | 0.0% |
| Stretch Lab | 6 | $2.0M | 0.0% |
| Costa Vida Management | 5 | $2.4M | 0.0% |
| Yoga Six | 5 | $2.5M | 0.0% |
| Crumbl | 5 | $2.2M | 0.0% |
| Everbowl | 4 | $1.1M | — |
| Subway Sandwich Shop | 3 | $310K | 0.0% |
| Dickey's Barbecue Pit | 3 | $530K | 100.0% |
| Tutor Doctor | 3 | $110K | 0.0% |
| Big O Tires | 3 | $2.5M | 0.0% |
| The Yard Milkshake Bar | 3 | $1.2M | 0.0% |
| Pizza Guys | 3 | $718K | 0.0% |
| Ace Hardware | 3 | $1.9M | 0.0% |
| Dunkin Donuts | 2 | $255K | 0.0% |
| Salsarita's | 2 | $510K | 0.0% |
| Home Instead Senior Care | 2 | $108K | 0.0% |
Lending volume by year
1'95
1
1
1
3
1'02
2
1
1
2
1'09
2
3
5
18
17'17
9
14
11
19
29'22
54
19
3'25
Five Star Bank default rate by loan vintage
BrandNational avg
Geographic exposure
560.0%
4617.6%
2314.3%
140.0%
90.0%
70.0%
70.0%
60.0%
533.3%
50.0%
Portfolio summary
Total funded$74.9M
Defaults6 of 218
Risk tierGOOD
Avg rate7.97%
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%).