Dogwood State Bank
Headquartered in RALEIGH, NC. Analysis based on 1,137 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $968.1M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Dogwood State Bank ranks #14 by charge-off rate (0.52%).
Total 7(a) loans
1,137
Total approved
$968.1M
Average loan
$851K
States funded in
47
Charge-off rate
0.52%
FY2020–FY2023 cohort
Paid-in-full rate
21.72%
Average rate
8.19%
Average term
155 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 77 |
| 722513 | Limited-Service Restaurants | 63 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 52 |
| 312120 | Breweries | 50 |
| 713940 | Fitness and Recreational Sports Centers | 39 |
| 812910 | Pet Care (except Veterinary) Services | 29 |
| 721110 | Hotels (except Casino Hotels) and Motels | 23 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 23 |
| 561730 | Landscaping Services | 21 |
| 624410 | Child Day Care Services | 20 |
Top 10 states
| State | Loans |
|---|---|
| NC | 264 |
| FL | 195 |
| TX | 106 |
| CA | 55 |
| VA | 45 |
| GA | 44 |
| NJ | 41 |
| SC | 40 |
| NY | 40 |
| AZ | 26 |
Top franchise brands financed
289 franchise loans across 125 distinct brands.
| Franchise | Loans |
|---|---|
| Dickey's Barbecue Pit | 13 |
| Domino's | 13 |
| Ziggi's Coffee | 11 |
| Crave Hot Dogs and BBQ | 9 |
| Premier Rental-Purchase | 9 |
| EarthWise Pet Supply | 8 |
| Rita's Ice-Custard-Happiness | 8 |
| The Dog Stop | 7 |
| Spenga | 7 |
| Eggs Up Grill | 6 |
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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.