OB
SBA 7(a) franchise lending portfolio
Oriental Bank
GOOD risk
- Total loans
- 73
- Loan volume
- $17.8M
- Avg loan size
- $243K
- Charge-off rate
- 8.9%
- vs 15.4% national avg
Defaults
4
Avg interest
7.15%
Franchises funded
25
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Marco's Pizza | 16 | $5.2M | 0.0% (low risk) |
| Yogen Fruz | 11 | $1.6M | 0.0% (low risk) |
| Taco Maker | 6 | $765K | 16.7% (high risk) |
| Subway | 5 | $623K | 0.0% (low risk) |
| Subway Sandwich Shop | 4 | $718K | 0.0% (low risk) |
| Arby's | 3 | $2.4M | N/A |
| Crumbl | 3 | $651K | N/A |
| Tunex | 2 | $199K | 0.0% (low risk) |
| Martin's Bbq | 2 | $320K | 0.0% (low risk) |
| The Taco Maker | 2 | $535K | 100.0% (very high risk) |
| 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 | 0.0% (low risk) |
| Dunkin Donuts | 1 | $325K | 0.0% (low risk) |
| Curves For Women | 1 | $150K | 0.0% (low risk) |
| Quiznos | 1 | $150K | 0.0% (low risk) |
| Happy & Healthy Products | 1 | $55K | 0.0% (low risk) |
| Antonino's Pizza | 1 | $25K | 100.0% (very high risk) |
Lending volume by year
2'93
2
1
1
1
3'01
1
4
1
3
1'08
1
2
6
2
4'15
4
3
1
8
1'20
3
6
3
5
2'25
2'26
Oriental Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
738.9% (moderate risk)
Portfolio summary
Total funded$17.8M
Defaults4 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). 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 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.