OB
SBA 7(a) franchise lending portfolio
Oriental Bank
Risk rating: Good
- Total loans
- 73
- Loan volume
- $17.8M
- Avg loan size
- $243K
- Charge-off rate
- 8.9%
- vs 16.0% national
Charged off
4
Avg interest
7.15%
Franchises funded
25
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Marco's Pizza | 16 | $5.2M | N/A |
| Yogen Fruz | 11 | $1.6M | 0.0% (excellent) |
| Subway | 9 | $1.3M | N/A |
| Taco Maker | 6 | $765K | N/A |
| Arby's | 3 | $2.4M | N/A |
| Crumbl | 3 | $651K | N/A |
| Tunex | 2 | $199K | N/A |
| Martin's Bbq | 2 | $320K | N/A |
| The Taco Maker | 2 | $535K | N/A |
| Tijuana's Bar & Grill | 2 | $1.7M | N/A |
| Wetzel's Pretzels | 2 | $250K | N/A |
| The Taco Maker, Taco Maker Mex | 2 | $613K | N/A |
| Taco Maker Mexican Grill | 2 | $353K | N/A |
| Norrell Temporary Services | 1 | $35K | N/A |
| Dunkin Donuts | 1 | $325K | N/A |
| Curves For Women | 1 | $150K | N/A |
| Quiznos | 1 | $150K | N/A |
| Happy & Healthy Products | 1 | $55K | N/A |
| Antonino's Pizza | 1 | $25K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1993 | 2 |
| FY1995 | 2 |
| FY1996 | 1 |
| FY1997 | 1 |
| FY1999 | 1 |
| FY2001 | 3 |
| FY2002 | 1 |
| FY2004 | 4 |
| FY2006 | 1 |
| FY2007 | 3 |
| FY2008 | 1 |
| FY2010 | 1 |
| FY2011 | 2 |
| FY2012 | 6 |
| FY2013 | 2 |
| FY2015 | 4 |
| FY2016 | 4 |
| FY2017 | 3 |
| FY2018 | 1 |
| FY2019 | 8 |
| FY2020 | 1 |
| FY2021 | 3 |
| FY2022 | 6 |
| FY2023 | 3 |
| FY2024 | 5 |
| FY2025 | 2 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
Oriental Bank charge-off rate by loan vintage
None of these 7 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2001 | 3 | 0 | Too few |
| 2004 | 4 | 0 | Too few |
| 2007 | 3 | 0 | Too few |
| 2012 | 6 | 0 | Too few |
| 2015 | 4 | 1 | Too few |
| 2016 | 3 | 0 | Too few |
| 2017 | 3 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
738.9% (good)
Portfolio summary
Total funded$17.8M
Charged off4 of 73
Risk tierGood
Avg rate7.15%
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 Oriental Bank originated?
- 73 loans totaling $17.8M. The portfolio carries a 8.9% charge-off rate, earning a “Good” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Oriental Bank's rate of 8.9% is below the national rate.
- 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 Oriental Bank fund the most?
- The “Top franchise exposures” table above lists the brands Oriental 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.