AS
SBA 7(a) franchise lending portfolio
American State Bank
GOOD risk
- Total loans
- 18
- Loan volume
- $2.3M
- Avg loan size
- $127K
- Charge-off rate
- 5.6%
- vs 15.4% national avg
Defaults
1
Avg interest
5.50%
Franchises funded
8
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Pizza Ranch | 7 | $687K | 0.0% (low risk) |
| Subway Sandwich Shop | 3 | $473K | 0.0% (low risk) |
| Domino's Pizza | 3 | $448K | 0.0% (low risk) |
| Blimpie | 1 | $45K | 0.0% (low risk) |
| Ranch 1 Group, Inc. | 1 | $200K | 100.0% (very high risk) |
| Maid-Rite Sandwich Shop | 1 | $100K | 0.0% (low risk) |
| Dairy Queen | 1 | $150K | 0.0% (low risk) |
| Rainbow International Restorat | 1 | $182K | 0.0% (low risk) |
Lending volume by year
2'92
1'94
1'95
4'96
3'97
1'98
1'01
1'03
1'04
1'06
1'07
1'15
Geographic exposure
90.0% (low risk)
40.0% (low risk)
333.3% (very high risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$2.3M
Defaults1 of 18
Risk tierGOOD
Avg rate5.50%
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 State Bank originated?
- 18 loans totaling $2.3M. The portfolio carries a 5.6% 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 State Bank fund the most?
- The “Top franchise exposures” table above lists the brands American State 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.