SBA 7(a) franchise lending portfolio
American National Bank
- Total loans
- 259
- Loan volume
- $104.9M
- Avg loan size
- $405K
- Charge-off rate
- 13.8%
- vs 16.0% national
Charged off
26
Avg interest
6.34%
Franchises funded
72
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Home Instead Senior Care | 114 | $58.4M | N/A |
| Complete Nutrition | 17 | $2.8M | 17.6% (elevated) |
| Dunn Brothers Coffee | 9 | $1.5M | N/A |
| Visiting Angels | 7 | $7.2M | N/A |
| Subway Sandwich Shop | 6 | $1.5M | N/A |
| Massage Envy | 6 | $888K | N/A |
| BrightStar Care | 6 | $4.6M | N/A |
| Right at Home | 5 | $2.7M | N/A |
| Quiznos | 3 | $315K | N/A |
| Dairy Queen | 3 | $398K | N/A |
| Line-X | 3 | $259K | N/A |
| Homewatch CareGivers | 3 | $1.6M | N/A |
| Domino's Pizza | 2 | $225K | N/A |
| Nyb Foods, Inc. | 2 | $105K | N/A |
| Scooter's Coffeehouse | 2 | $300K | N/A |
| Juice Stop | 2 | $159K | N/A |
| Culligan Soft Water Service | 2 | $1.0M | N/A |
| Fantastic Sam's | 2 | $261K | N/A |
| Blimpie | 2 | $190K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 1 |
| FY1994 | 2 |
| FY1995 | 3 |
| FY1996 | 2 |
| FY1997 | 1 |
| FY1998 | 1 |
| FY2000 | 3 |
| FY2001 | 2 |
| FY2002 | 4 |
| FY2003 | 12 |
| FY2004 | 9 |
| FY2005 | 3 |
| FY2006 | 8 |
| FY2007 | 9 |
| FY2008 | 2 |
| FY2009 | 2 |
| FY2010 | 8 |
| FY2011 | 6 |
| FY2012 | 7 |
| FY2013 | 16 |
| FY2014 | 18 |
| FY2015 | 9 |
| FY2016 | 17 |
| FY2017 | 14 |
| FY2018 | 7 |
| FY2019 | 8 |
| FY2020 | 7 |
| FY2021 | 19 |
| FY2022 | 22 |
| FY2023 | 7 |
| FY2024 | 8 |
| FY2025 | 15 |
| FY2026 | 5 |
SBA 7(a) · charge-off rate by approval year
American National Bank: above all franchise loans in 4 of 5 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1995 | 3 | 1 | Too few |
| 2000 | 3 | 0 | Too few |
| 2002 | 4 | 0 | Too few |
| 2003 | 12 | 5 | 41.7% |
| 2004 | 9 | 4 | Too few |
| 2005 | 3 | 0 | Too few |
| 2006 | 8 | 3 | Too few |
| 2007 | 9 | 2 | Too few |
| 2010 | 8 | 0 | Too few |
| 2011 | 6 | 0 | Too few |
| 2012 | 7 | 0 | Too few |
| 2013 | 16 | 2 | 12.5% |
| 2014 | 18 | 2 | 11.1% |
| 2015 | 9 | 3 | Too few |
| 2016 | 16 | 0 | 0.0% |
| 2017 | 13 | 2 | 15.4% |
| 2018 | 7 | 1 | Too few |
| 2019 | 8 | 0 | Too few |
| 2020 | 4 | 0 | Too early |
| 2022 | 6 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 National Bank originated?
- 259 loans totaling $104.9M. The portfolio carries a 13.8% charge-off rate, earning a “Average” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. American National Bank's rate of 13.8% is below the national rate.
- 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 National Bank fund the most?
- The “Top franchise exposures” table above lists the brands American National Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.