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SBA 7(a) franchise lending portfolio
Stellar Bank
GOOD risk
- Total loans
- 181
- Loan volume
- $147.8M
- Avg loan size
- $816K
- Default rate
- 8.7%
- vs 15.4% national avg
Defaults
10
Avg interest
6.21%
Franchises funded
92
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Christian Brothers Automotive | 52 | $14.9M | 0.0% |
| Marco's Pizza | 8 | $2.8M | 0.0% |
| Marco's Pizza | 4 | $1.5M | 0.0% |
| Shipley Do-Nut | 4 | $3.2M | 0.0% |
| Red Roof Inn | 3 | $7.7M | 0.0% |
| Ivy Kids Early Learning Center | 3 | $13.4M | 0.0% |
| Primrose School (daycare) | 3 | $2.8M | 0.0% |
| Wendy's | 3 | $1.5M | 0.0% |
| Children's Lighthouse | 2 | $4.1M | 0.0% |
| Arby's | 2 | $2.4M | 50.0% |
| iShine Express Car Wash & Deta | 2 | $8.7M | — |
| Planet Fitness | 2 | $2.6M | 0.0% |
| Kiddie Academy | 2 | $6.9M | 0.0% |
| The UPS Store | 2 | $375K | 0.0% |
| Urban Air Adventure Park | 2 | $2.0M | — |
| Martinizing Dry Cleaning | 2 | $1.2M | — |
| Tommy's Express | 2 | $4.4M | — |
| F45 Training | 2 | $752K | 0.0% |
| Children's Lighthouse Early Le | 2 | $1.1M | 0.0% |
| Chicken Kitchen | 2 | $772K | 100.0% |
Lending volume by year
1'95
1'06
2'08
3'09
19'10
14'11
11'12
14'13
8'14
17'15
13'16
8'17
12'18
10'19
8'20
9'21
14'22
12'23
1'24
4'25
Stellar Bank default rate by loan vintage
BrandNational avg
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%).