Oriental Bank
Headquartered in SAN JUAN, PR. Analysis based on 847 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $140.6M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Oriental Bank ranks #32 by charge-off rate (1.16%).
Total 7(a) loans
847
Total approved
$140.6M
Average loan
$166K
States funded in
2
Charge-off rate
1.16%
FY2020–FY2023 cohort
Paid-in-full rate
23.51%
Average rate
7.42%
Average term
128 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 621111 | Offices of Physicians (except Mental Health Specialists) | 111 |
| 722511 | Full-Service Restaurants | 61 |
| 236220 | Commercial and Institutional Building Construction | 27 |
| 621310 | Offices of Chiropractors | 26 |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 25 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 23 |
| 621210 | Offices of Dentists | 16 |
| 621511 | Medical Laboratories | 14 |
| 623312 | Homes for the Elderly | 14 |
| 722513 | Limited-Service Restaurants | 13 |
Top 10 states
| State | Loans |
|---|---|
| PR | 828 |
| VI | 19 |
Top franchise brands financed
22 franchise loans across 8 distinct brands.
| Franchise | Loans |
|---|---|
| Marco's Pizza | 7 |
| Arby's | 3 |
| Crumbl | 3 |
| Tijuana's Bar & Grill | 2 |
| The Taco Maker, Taco Maker Mex | 2 |
| Wetzel's Pretzels | 2 |
| Taco Maker Mexican Grill | 2 |
| Duck Donuts | 1 |
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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.