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SBA 7(a) franchise lending portfolio
Amarillo National Bank
CRITICAL risk
- Total loans
- 46
- Loan volume
- $16.4M
- Avg loan size
- $357K
- Default rate
- 26.1%
- vs 15.4% national avg
Defaults
12
Avg interest
5.98%
Franchises funded
24
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Bahama Buck's | 16 | $4.3M | 50.0% |
| Alta Mere Window Tinting & Aut | 2 | $144K | 0.0% |
| Grand Slam Usa (indoor Soccer) | 2 | $433K | 100.0% |
| Keva Juice | 2 | $185K | 0.0% |
| Golf Etc. | 2 | $180K | 0.0% |
| Blo Blow Dry Bar | 2 | $447K | 0.0% |
| Smokey Mo's Bar-B-Q | 2 | $854K | 0.0% |
| Little Sunshine's Playhouse & | 2 | $729K | 0.0% |
| Bellini Juvenile Furniture (7- | 1 | $65K | 0.0% |
| Computer Renaissance | 1 | $110K | 0.0% |
| Thunder Cloud Subs | 1 | $52K | 100.0% |
| Radio Shack | 1 | $75K | 0.0% |
| Mr. Rooter | 1 | $140K | 0.0% |
| AAMCO Transmissions | 1 | $181K | 0.0% |
| Winestyles, Inc. | 1 | $154K | 0.0% |
| Cartridge World | 1 | $114K | 0.0% |
| The Joint...The Chiropractic P | 1 | $916K | 0.0% |
| Orange Theory Fitness | 1 | $420K | 0.0% |
| Potato Corner | 1 | $133K | 0.0% |
| GermBlast | 1 | $485K | 0.0% |
Lending volume by year
2'95
1'96
3'97
1'99
2'01
2'04
1'05
4'06
10'14
4'15
9'16
2'17
5'18
Amarillo National Bank default rate by loan vintage
BrandNational avg
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), Critical (>20%).