SB
SBA 7(a) franchise lending portfolio
State Bank of Texas
CRITICAL risk
- Total loans
- 60
- Loan volume
- $35.1M
- Avg loan size
- $585K
- Charge-off rate
- 32.7%
- vs 15.4% national avg
Defaults
18
Avg interest
5.76%
Franchises funded
37
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 13 | $1.6M | 0.0% (low risk) |
| Dunkin Donuts | 3 | $1.3M | 0.0% (low risk) |
| Roly Poly Rolled Sandwiches | 3 | $182K | 66.7% (very high risk) |
| Jackson Hewitt Tax Service | 3 | $1.2M | 66.7% (very high risk) |
| Econo Lodge by Choice Hotels/E | 3 | $3.0M | 0.0% (low risk) |
| Tires Plus | 2 | $350K | 0.0% (low risk) |
| The Original Just Turkey Resta | 2 | $127K | 100.0% (very high risk) |
| Quality Inn by Choice Hotels / | 2 | $7.6M | N/A |
| Howard Johnson | 1 | $1.6M | 0.0% (low risk) |
| Elliott's Off-Broadway Deli | 1 | $60K | 0.0% (low risk) |
| All Tune And Lube | 1 | $100K | 100.0% (very high risk) |
| Quality Inn | 1 | $975K | 0.0% (low risk) |
| Burger King | 1 | $375K | 0.0% (low risk) |
| Travelodge | 1 | $300K | 0.0% (low risk) |
| Knights Inn | 1 | $1.0M | 100.0% (very high risk) |
| Blimpie | 1 | $29K | 100.0% (very high risk) |
| Microtel | 1 | $1.0M | 100.0% (very high risk) |
| Wings To Go | 1 | $268K | 100.0% (very high risk) |
| Candy Express | 1 | $290K | 0.0% (low risk) |
| Kawasaki | 1 | $150K | 0.0% (low risk) |
Lending volume by year
1'93
1'94
1'96
8'97
3'98
4'99
3'00
2'02
8'03
5'04
5'05
5'06
2'07
1'08
1'13
1'14
8'21
1'22
State Bank of Texas charge-off rate by loan vintage
BrandNational avg
Geographic exposure
3442.4% (very high risk)
1421.4% (very high risk)
1N/A
10.0% (low risk)
1N/A
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
1100.0% (very high risk)
1N/A
Portfolio summary
Total funded$35.1M
Defaults18 of 60
Risk tierCRITICAL
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 “CRITICAL” 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 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.