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SBA 7(a) franchise lending portfolio
Oconee State Bank
EXCELLENT risk
- Total loans
- 29
- Loan volume
- $14.3M
- Avg loan size
- $494K
- Default 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% |
| Burn Boot Camp Fitness | 3 | $981K | 0.0% |
| Subway | 3 | $3.9M | 0.0% |
| D1T raining | 2 | $1.4M | — |
| Best Western Inn | 1 | $710K | 0.0% |
| Metal Supermarkets | 1 | $325K | — |
| Board & Brush Creative Studios | 1 | $197K | 0.0% |
| Golden Krust Caribbean Bakery | 1 | $350K | — |
| AAMCO Transmissions | 1 | $238K | — |
| Crawlspace Medic | 1 | $297K | — |
| NuSpine | 1 | $318K | — |
| Alumni Cookie Dough | 1 | $150K | — |
| The Back Nine | 1 | $530K | — |
| The UPS Store (f/k/a Mail Box | 1 | $497K | 0.0% |
| Scoops | 1 | $464K | — |
| Woof Gang Bakery and Grooming | 1 | $244K | — |
| Yoga Six | 1 | $529K | — |
| The Tox | 1 | $258K | — |
| Club Pilates | 1 | $500K | — |
| Farmers Insurance - Corporate | 1 | $350K | — |
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%
60.0%
40.0%
2—
10.0%
1—
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
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%).