AB
SBA 7(a) franchise lending portfolio
American Bank and Trust
GOOD risk
- Total loans
- 13
- Loan volume
- $3.2M
- Avg loan size
- $244K
- Charge-off rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.83%
Franchises funded
9
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Coast-To-Coast Store | 3 | $208K | 0.0% (low risk) |
| Pizza Ranch | 3 | $522K | 0.0% (low risk) |
| Sinclair Service Station | 1 | $95K | 0.0% (low risk) |
| Athlete's Foot | 1 | $110K | 0.0% (low risk) |
| Snap-On-Tools | 1 | $40K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $85K | 100.0% (very high risk) |
| Dairy Queen | 1 | $245K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $193K | 0.0% (low risk) |
| Best Western - Membership Agre | 1 | $1.7M | N/A |
Lending volume by year
3'92
2'93
1'94
1'96
1'97
2'98
1'08
1'11
1'19
Geographic exposure
138.3% (moderate risk)
Portfolio summary
Total funded$3.2M
Defaults1 of 13
Risk tierGOOD
Avg rate5.83%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off 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%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has American Bank and Trust originated?
- 13 loans totaling $3.2M. The portfolio carries a 8.3% charge-off rate, earning a “GOOD” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does American Bank and Trust fund the most?
- The “Top franchise exposures” table above lists the brands American Bank and Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.