![Lone Star National Bank logo](https://cdn.brandfetch.io/lonestarnationalbank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Lone Star National Bank
CRITICAL risk
- Total loans
- 29
- Loan volume
- $8.3M
- Avg loan size
- $285K
- Default 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% |
| Doc Popcorn | 3 | $636K | 100.0% |
| The UPS Store | 2 | $350K | 0.0% |
| Little Caesar Pizza | 2 | $440K | 0.0% |
| Painting With A Twist | 2 | $142K | 100.0% |
| Hotworx | 2 | $983K | — |
| Chicken Express | 1 | $100K | 0.0% |
| Express Personnel Services | 1 | $100K | 0.0% |
| One-Hour Martinizing | 1 | $200K | 0.0% |
| Frullati Cafe | 1 | $170K | 0.0% |
| Sign-A-Rama | 1 | $240K | 0.0% |
| La Paletera | 1 | $120K | 100.0% |
| Nestle Toll House By Chip | 1 | $140K | 0.0% |
| Ameriprise Financial Services | 1 | $55K | 0.0% |
| Buffalo Wings & Rings | 1 | $582K | 100.0% |
| Rodizio Grill | 1 | $1.4M | 0.0% |
| H.u.m.a.n. | 1 | $100K | 0.0% |
| Pizza Patron | 1 | $287K | 100.0% |
| Fedex Ground | 1 | $110K | 0.0% |
| Tropical Smoothie Cafe | 1 | $350K | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
2930.8%
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
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%).