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SBA 7(a) franchise lending portfolio
OakStar Bank
CRITICAL risk
- Total loans
- 134
- Loan volume
- $97.6M
- Avg loan size
- $728K
- Default rate
- 21.0%
- vs 15.4% national avg
Defaults
21
Avg interest
6.49%
Franchises funded
78
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 32 | $8.4M | 15.6% |
| Days Inn | 4 | $4.8M | 50.0% |
| Sylvan Learning Centers | 4 | $291K | — |
| Cambridge Adult Day Centers | 4 | $717K | 33.3% |
| Cold Stone Creamery | 3 | $1.3M | — |
| Super 8 by Wyndhan | 3 | $2.7M | 0.0% |
| World Fuel Services, Inc. d/b/ | 3 | $5.8M | 0.0% |
| H & R Block | 2 | $124K | 0.0% |
| Noble Roman Pizza | 2 | $1.1M | 100.0% |
| Marathon Oil Company | 2 | $2.2M | 50.0% |
| Super 8 Motel | 2 | $4.0M | 0.0% |
| Country Inns & Suites | 2 | $4.7M | 0.0% |
| Baymont by Wyndham aka Baymont | 2 | $3.1M | 0.0% |
| Super 8 | 2 | $2.9M | 0.0% |
| Piggly Wiggly | 2 | $970K | 100.0% |
| Days Inn by Wyndham | 2 | $4.5M | — |
| Scooter's Coffee | 2 | $1.2M | — |
| Speedy Sign-O-Rama | 1 | $80K | 100.0% |
| Mr. Goodcents Sub' And Pasta | 1 | $90K | 0.0% |
| Shell Service Station | 1 | $1.7M | 100.0% |
Lending volume by year
2'93
1
1
1
1
1'05
1
3
4
11
10'10
16
13
8
3
5'15
5
2
5
7
7'20
10
6
3
2
6'25
OakStar Bank default rate by loan vintage
BrandNational avg
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%).