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SBA 7(a) franchise lending portfolio
American Bank, National Association
AVERAGE risk
- Total loans
- 20
- Loan volume
- $36.1M
- Avg loan size
- $1.8M
- Default rate
- 12.5%
- vs 15.4% national avg
Defaults
1
Avg interest
6.97%
Franchises funded
12
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Starbucks Master Licensing Agr | 6 | $4.8M | — |
| Best Western - Membership Agre | 3 | $8.1M | 0.0% |
| Motel 6 | 2 | $5.9M | 0.0% |
| Pizza Ranch | 1 | $103K | 0.0% |
| Radio Shack | 1 | $48K | 100.0% |
| Super 8 by Wyndhan | 1 | $1.0M | 0.0% |
| La Quinta by Wyndham a.k.a. La | 1 | $3.0M | 0.0% |
| Days Inn by Wyndham | 1 | $2.2M | 0.0% |
| Extended Stay America Suites f | 1 | $3.7M | — |
| Comfort Suites by Choice Hotel | 1 | $1.5M | — |
| Americas Best Value Inn | 1 | $1.3M | 0.0% |
| Trademark Collection by Wyndha | 1 | $4.5M | — |
Lending volume by year
1'98
1'99
2'20
2'21
5'22
1'23
6'25
2'26
American Bank, National Association 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%).