LS
SBA 7(a) franchise lending portfolio
Lone Star National Bank
CRITICAL risk
- Total loans
- 29
- Loan volume
- $8.3M
- Avg loan size
- $285K
- Charge-off rate
- 30.8%
- vs 15.4% national avg
Defaults
8
Avg interest
6.11%
Franchises funded
21
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Little Ceasar's Pizza | 3 | $1.5M | 0.0% (low risk) |
| Doc Popcorn | 3 | $636K | 100.0% (very high risk) |
| The UPS Store | 2 | $350K | 0.0% (low risk) |
| Little Caesar Pizza | 2 | $440K | 0.0% (low risk) |
| Painting With A Twist | 2 | $142K | 100.0% (very high risk) |
| Hotworx | 2 | $983K | N/A |
| Chicken Express | 1 | $100K | 0.0% (low risk) |
| Express Personnel Services | 1 | $100K | 0.0% (low risk) |
| One-Hour Martinizing | 1 | $200K | 0.0% (low risk) |
| Frullati Cafe | 1 | $170K | 0.0% (low risk) |
| Sign-A-Rama | 1 | $240K | 0.0% (low risk) |
| La Paletera | 1 | $120K | 100.0% (very high risk) |
| Nestle Toll House By Chip | 1 | $140K | 0.0% (low risk) |
| Ameriprise Financial Services | 1 | $55K | 0.0% (low risk) |
| Buffalo Wings & Rings | 1 | $582K | 100.0% (very high risk) |
| Rodizio Grill | 1 | $1.4M | 0.0% (low risk) |
| H.u.m.a.n. | 1 | $100K | 0.0% (low risk) |
| Pizza Patron | 1 | $287K | 100.0% (very high risk) |
| Fedex Ground | 1 | $110K | 0.0% (low risk) |
| Tropical Smoothie Cafe | 1 | $350K | 0.0% (low risk) |
Lending volume by year
2'95
1'96
2'00
1'01
1'03
1'04
2'10
1'12
3'13
5'14
1'15
2'16
3'17
1'20
2'22
1'24
Lone Star National Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
2930.8% (very high risk)
Portfolio summary
Total funded$8.3M
Defaults8 of 29
Risk tierCRITICAL
Avg rate6.11%
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 Lone Star National Bank originated?
- 29 loans totaling $8.3M. The portfolio carries a 30.8% charge-off rate, earning a “CRITICAL” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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 Lone Star National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Lone Star National 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.