Bank of Oak Ridge
Headquartered in OAK RIDGE, NC. Analysis based on 176 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $174.0M.
Total 7(a) loans
176
Total approved
$174.0M
Average loan
$989K
States funded in
8
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
10.34%
Average rate
9.18%
Average term
169 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 19 |
| 238990 | All Other Specialty Trade Contractors | 8 |
| 713990 | All Other Amusement and Recreation Industries | 7 |
| 722513 | Limited-Service Restaurants | 7 |
| 721110 | Hotels (except Casino Hotels) and Motels | 6 |
| 811111 | General Automotive Repair | 6 |
| 713940 | Fitness and Recreational Sports Centers | 5 |
| 484110 | General Freight Trucking, Local | 5 |
| 562112 | Hazardous Waste Collection | 4 |
| 812112 | Beauty Salons | 4 |
Top 10 states
| State | Loans |
|---|---|
| NC | 129 |
| SC | 22 |
| VA | 13 |
| GA | 7 |
| MD | 2 |
| FL | 1 |
| AL | 1 |
| KY | 1 |
Top franchise brands financed
34 franchise loans across 21 distinct brands.
| Franchise | Loans |
|---|---|
| Big Air ; Big Air Trampoline P | 4 |
| Servpro | 3 |
| Crumbl | 3 |
| Pet Supplies Plus | 3 |
| Piggly Wiggly | 3 |
| Outdoor Lighting Perspectives | 2 |
| Pita Mediterranean Street Food | 2 |
| Signarama | 1 |
| Days Inn by Wyndham | 1 |
| Instant Imprints | 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.