OS
SBA 7(a) franchise lending portfolio
Oconee State Bank
EXCELLENT risk
- Total loans
- 29
- Loan volume
- $14.3M
- Avg loan size
- $494K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.43%
Franchises funded
22
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Brain Balance | 3 | $1.1M | 0.0% (low risk) |
| Burn Boot Camp Fitness | 3 | $981K | 0.0% (low risk) |
| Subway | 3 | $3.9M | 0.0% (low risk) |
| D1T raining | 2 | $1.4M | N/A |
| Best Western Inn | 1 | $710K | 0.0% (low risk) |
| Metal Supermarkets | 1 | $325K | N/A |
| Board & Brush Creative Studios | 1 | $197K | 0.0% (low risk) |
| Golden Krust Caribbean Bakery | 1 | $350K | N/A |
| AAMCO Transmissions | 1 | $238K | N/A |
| Crawlspace Medic | 1 | $297K | N/A |
| NuSpine | 1 | $318K | N/A |
| Alumni Cookie Dough | 1 | $150K | N/A |
| The Back Nine | 1 | $530K | N/A |
| The UPS Store (f/k/a Mail Box | 1 | $497K | 0.0% (low risk) |
| Scoops | 1 | $464K | N/A |
| Woof Gang Bakery and Grooming | 1 | $244K | N/A |
| Yoga Six | 1 | $529K | N/A |
| The Tox | 1 | $258K | N/A |
| Club Pilates | 1 | $500K | N/A |
| Farmers Insurance - Corporate | 1 | $350K | N/A |
Lending volume by year
1'94
3'18
2'19
4'20
1'21
4'22
5'23
2'24
7'25
Geographic exposure
130.0% (low risk)
60.0% (low risk)
40.0% (low risk)
2N/A
10.0% (low risk)
1N/A
1N/A
1N/A
Portfolio summary
Total funded$14.3M
Defaults0 of 29
Risk tierEXCELLENT
Avg rate8.43%
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 Oconee State Bank originated?
- 29 loans totaling $14.3M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Oconee State Bank fund the most?
- The “Top franchise exposures” table above lists the brands Oconee State 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.