AN
SBA 7(a) franchise lending portfolio
American National Bank-Fox Cities
ELEVATED risk
- Total loans
- 13
- Loan volume
- $2.9M
- Avg loan size
- $226K
- Charge-off rate
- 16.7%
- vs 15.4% national avg
Defaults
2
Avg interest
5.92%
Franchises funded
9
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Breadsmith | 3 | $400K | 0.0% (low risk) |
| Glamour Shots | 2 | $347K | 0.0% (low risk) |
| Jimmy John's | 2 | $150K | 0.0% (low risk) |
| Verlo Mattress Factory Stores | 1 | $90K | 0.0% (low risk) |
| Baby's Room Usa | 1 | $182K | 100.0% (very high risk) |
| Rocky Rococo Pan Style Pizza | 1 | $200K | 0.0% (low risk) |
| Beltone Hearing Aid Service | 1 | $26K | 0.0% (low risk) |
| Hertz | 1 | $1.4M | 100.0% (very high risk) |
| Fred Astaire Dance Studios | 1 | $150K | N/A |
Lending volume by year
1'95
2'96
2'04
1'09
1'10
1'11
1'12
2'15
1'18
1'24
Geographic exposure
1316.7% (high risk)
Portfolio summary
Total funded$2.9M
Defaults2 of 13
Risk tierELEVATED
Avg rate5.92%
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-Fox Cities originated?
- 13 loans totaling $2.9M. The portfolio carries a 16.7% charge-off rate, earning a “ELEVATED” 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 National Bank-Fox Cities fund the most?
- The “Top franchise exposures” table above lists the brands American National Bank-Fox Cities has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.