Stellar Bank
Headquartered in Houston, TX. Analysis based on 200 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $237.7M.
Total 7(a) loans
200
Total approved
$237.7M
Average loan
$1.2M
States funded in
2
Charge-off rate
3.68%
FY2020–FY2023 cohort
Paid-in-full rate
14.11%
Average rate
6.86%
Average term
176 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 29 |
| 722511 | Full-Service Restaurants | 18 |
| 624410 | Child Day Care Services | 9 |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 5 |
| 811192 | Car Washes | 5 |
| 447110 | Gasoline Stations with Convenience Stores | 4 |
| 713940 | Fitness and Recreational Sports Centers | 4 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 4 |
| 812990 | All Other Personal Services | 4 |
| 713990 | All Other Amusement and Recreation Industries | 4 |
Top 10 states
| State | Loans |
|---|---|
| TX | 199 |
| OK | 1 |
Top franchise brands financed
53 franchise loans across 36 distinct brands.
| Franchise | Loans |
|---|---|
| Marco's Pizza | 7 |
| Shipley Do-Nut | 4 |
| Chicken Kitchen | 2 |
| Ivy Kids Early Learning Center | 2 |
| Ace Hardware | 2 |
| Spenga | 2 |
| Batteries Plus | 2 |
| Heroes Lawn Care | 2 |
| Dogtopia | 2 |
| Jersey Mike's | 2 |
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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.