Five Star Bank
Headquartered in Rancho Cordova, CA. Analysis based on 1,511 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $393.6M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Five Star Bank ranks #49 by charge-off rate (2.71%).
Total 7(a) loans
1,511
Total approved
$393.6M
Average loan
$260K
States funded in
50
Charge-off rate
2.71%
FY2020–FY2023 cohort
Paid-in-full rate
20.43%
Average rate
7.60%
Average term
117 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 52 |
| 541990 | All Other Professional, Scientific, and Technical Services | 52 |
| 722513 | Limited-Service Restaurants | 40 |
| 812112 | Beauty Salons | 34 |
| 541511 | Custom Computer Programming Services | 33 |
| 454110 | Electronic Shopping and Mail-Order Houses | 33 |
| 524210 | Insurance Agencies and Brokerages | 32 |
| 236118 | Residential Remodelers | 31 |
| 811111 | General Automotive Repair | 30 |
| 541110 | Offices of Lawyers | 29 |
Top 10 states
| State | Loans |
|---|---|
| NY | 434 |
| CA | 294 |
| TX | 105 |
| FL | 104 |
| CO | 44 |
| IL | 43 |
| PA | 41 |
| NJ | 39 |
| VA | 37 |
| GA | 31 |
Top franchise brands financed
157 franchise loans across 73 distinct brands.
| Franchise | Loans |
|---|---|
| Rumble | 10 |
| Blo Blow Dry Bar | 10 |
| The Little Gym | 10 |
| YogaSix | 9 |
| Crumbl | 8 |
| Yoga Six | 7 |
| Stretch Lab | 6 |
| Everbowl | 5 |
| Urban Air Adventure Park | 4 |
| Ace Hardware | 4 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.