SB
SBA 7(a) franchise lending portfolio
State Bank of Texas
Risk rating: High Risk
- Total loans
- 60
- Loan volume
- $35.1M
- Avg loan size
- $585K
- Charge-off rate
- 32.7%
- vs 16.0% national
Charged off
18
Avg interest
5.76%
Franchises funded
37
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 13 | $1.6M | 0.0% (excellent) |
| Dunkin Donuts | 3 | $1.3M | N/A |
| Roly Poly Rolled Sandwiches | 3 | $182K | N/A |
| Jackson Hewitt Tax Service | 3 | $1.2M | N/A |
| Econo Lodge by Choice Hotels/E | 3 | $3.0M | N/A |
| Tires Plus | 2 | $350K | N/A |
| The Original Just Turkey Resta | 2 | $127K | N/A |
| Quality Inn by Choice Hotels / | 2 | $7.6M | N/A |
| Howard Johnson | 1 | $1.6M | N/A |
| Elliott's Off-Broadway Deli | 1 | $60K | N/A |
| All Tune And Lube | 1 | $100K | N/A |
| Quality Inn | 1 | $975K | N/A |
| Burger King | 1 | $375K | N/A |
| Travelodge | 1 | $300K | N/A |
| Knights Inn | 1 | $1.0M | N/A |
| Blimpie | 1 | $29K | N/A |
| Microtel | 1 | $1.0M | N/A |
| Wings To Go | 1 | $268K | N/A |
| Candy Express | 1 | $290K | N/A |
| Kawasaki | 1 | $150K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1993 | 1 |
| FY1994 | 1 |
| FY1996 | 1 |
| FY1997 | 8 |
| FY1998 | 3 |
| FY1999 | 4 |
| FY2000 | 3 |
| FY2002 | 2 |
| FY2003 | 8 |
| FY2004 | 5 |
| FY2005 | 5 |
| FY2006 | 5 |
| FY2007 | 2 |
| FY2008 | 1 |
| FY2013 | 1 |
| FY2014 | 1 |
| FY2021 | 8 |
| FY2022 | 1 |
SBA 7(a) · charge-off rate by approval year
State Bank of Texas charge-off rate by loan vintage
None of these 9 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 |
|---|---|---|---|
| 1997 | 8 | 1 | Too few |
| 1998 | 3 | 0 | Too few |
| 1999 | 4 | 1 | Too few |
| 2000 | 3 | 1 | Too few |
| 2003 | 8 | 3 | Too few |
| 2004 | 5 | 3 | Too few |
| 2005 | 5 | 3 | Too few |
| 2006 | 5 | 2 | Too few |
| 2021 | 4 | 0 | Too early |
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
3442.4% (high risk)
1421.4% (high risk)
1N/A
1N/A
1N/A
1N/A
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$35.1M
Charged off18 of 60
Risk tierHigh Risk
Avg rate5.76%
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 State Bank of Texas originated?
- 60 loans totaling $35.1M. The portfolio carries a 32.7% charge-off rate, earning a “High Risk” 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. State Bank of Texas's rate of 32.7% is above 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 State Bank of Texas fund the most?
- The “Top franchise exposures” table above lists the brands State Bank of Texas has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.