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SBA 7(a) franchise lending portfolio
American State Bank
GOOD risk
- Total loans
- 18
- Loan volume
- $2.3M
- Avg loan size
- $127K
- Default 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% |
| Subway Sandwich Shop | 3 | $473K | 0.0% |
| Domino's Pizza | 3 | $448K | 0.0% |
| Blimpie | 1 | $45K | 0.0% |
| Ranch 1 Group, Inc. | 1 | $200K | 100.0% |
| Maid-Rite Sandwich Shop | 1 | $100K | 0.0% |
| Dairy Queen | 1 | $150K | 0.0% |
| Rainbow International Restorat | 1 | $182K | 0.0% |
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
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
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%).