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SBA 7(a) franchise lending portfolio
American National Bank
AVERAGE risk
- Total loans
- 259
- Loan volume
- $104.9M
- Avg loan size
- $405K
- Default rate
- 13.8%
- vs 15.4% national avg
Defaults
26
Avg interest
6.34%
Franchises funded
72
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Home Instead Senior Care | 60 | $34.5M | 1.7% |
| Home Instead/Home Instead Seni | 54 | $23.8M | 0.0% |
| Complete Nutrition | 17 | $2.8M | 17.6% |
| Dunn Brothers Coffee | 9 | $1.5M | 44.4% |
| Visiting Angels | 7 | $7.2M | 0.0% |
| Subway Sandwich Shop | 6 | $1.5M | 16.7% |
| Massage Envy | 6 | $888K | 0.0% |
| BrightStar Care | 6 | $4.6M | 0.0% |
| Right at Home | 5 | $2.7M | — |
| Quiznos | 3 | $315K | 33.3% |
| Dairy Queen | 3 | $398K | 0.0% |
| Line-X | 3 | $259K | 0.0% |
| Homewatch CareGivers | 3 | $1.6M | — |
| Domino's Pizza | 2 | $225K | 50.0% |
| Nyb Foods, Inc. | 2 | $105K | 50.0% |
| Scooter's Coffeehouse | 2 | $300K | 0.0% |
| Juice Stop | 2 | $159K | 0.0% |
| Culligan Soft Water Service | 2 | $1.0M | 0.0% |
| Fantastic Sam's | 2 | $261K | 0.0% |
| Blimpie | 2 | $190K | 0.0% |
Lending volume by year
2'92
1
2
3
2
1'97
1
3
2
4
12'03
9
3
8
9
2'08
2
8
6
7
16'13
18
9
17
14
7'18
8
7
19
22
7'23
8
15
5'26
American National Bank default rate by loan vintage
BrandNational avg
Geographic exposure
7021.5%
2833.3%
200.0%
1510.0%
150.0%
1214.3%
110.0%
100.0%
733.3%
620.0%
Portfolio summary
Total funded$104.9M
Defaults26 of 259
Risk tierAVERAGE
Avg rate6.34%
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%).