AB
SBA 7(a) franchise lending portfolio
Associated Bank, National Association
Risk rating: Average
- Total loans
- 232
- Loan volume
- $42.3M
- Avg loan size
- $182K
- Charge-off rate
- 11.0%
- vs 16.0% national
Charged off
24
Avg interest
6.17%
Franchises funded
131
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 8 | $1.1M | N/A |
| Mail Boxes Etc. Usa | 7 | $750K | N/A |
| Straight Shot Express | 6 | $590K | N/A |
| Quiznos | 6 | $883K | N/A |
| Culver's Frozen Custard | 5 | $1.0M | N/A |
| Fastsigns | 5 | $501K | N/A |
| Minuteman Press | 5 | $491K | N/A |
| Cousins Submarines (restaurant | 4 | $550K | N/A |
| Dairy Queen | 4 | $1.1M | N/A |
| Blimpie | 4 | $242K | N/A |
| All Tune And Lube | 3 | $202K | N/A |
| Athlete's Foot | 3 | $485K | N/A |
| Bridgeman's Restaurant & Conti | 3 | $404K | N/A |
| Great Clips | 3 | $730K | N/A |
| Domino's Pizza | 3 | $400K | N/A |
| Fantastic Sam's | 3 | $422K | N/A |
| Paul Davis Restoration | 3 | $460K | N/A |
| Ace Hardware | 3 | $641K | N/A |
| Fedex Ground | 3 | $199K | N/A |
| Budget Blinds | 3 | $404K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 3 |
| FY1994 | 6 |
| FY1995 | 10 |
| FY1996 | 7 |
| FY1997 | 8 |
| FY1998 | 10 |
| FY1999 | 13 |
| FY2000 | 19 |
| FY2001 | 9 |
| FY2002 | 11 |
| FY2003 | 13 |
| FY2004 | 16 |
| FY2005 | 13 |
| FY2006 | 5 |
| FY2007 | 10 |
| FY2008 | 3 |
| FY2009 | 3 |
| FY2010 | 2 |
| FY2011 | 9 |
| FY2012 | 6 |
| FY2013 | 12 |
| FY2014 | 8 |
| FY2015 | 4 |
| FY2016 | 6 |
| FY2018 | 7 |
| FY2019 | 2 |
| FY2020 | 3 |
| FY2021 | 3 |
| FY2022 | 2 |
| FY2023 | 2 |
| FY2024 | 1 |
| FY2025 | 3 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Associated Bank, National Association: below all franchise loans in 7 of 10 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1993 | 3 | 0 | Too few |
| 1994 | 6 | 1 | Too few |
| 1995 | 10 | 1 | 10.0% |
| 1996 | 7 | 0 | Too few |
| 1997 | 8 | 1 | Too few |
| 1998 | 10 | 2 | 20.0% |
| 1999 | 13 | 2 | 15.4% |
| 2000 | 19 | 2 | 10.5% |
| 2001 | 9 | 1 | Too few |
| 2002 | 11 | 2 | 18.2% |
| 2003 | 13 | 0 | 0.0% |
| 2004 | 16 | 6 | 37.5% |
| 2005 | 13 | 2 | 15.4% |
| 2006 | 5 | 0 | Too few |
| 2007 | 10 | 2 | 20.0% |
| 2008 | 3 | 0 | Too few |
| 2009 | 3 | 0 | Too few |
| 2011 | 9 | 0 | Too few |
| 2012 | 6 | 1 | Too few |
| 2013 | 12 | 0 | 0.0% |
| 2014 | 8 | 0 | Too few |
| 2015 | 4 | 0 | Too few |
| 2016 | 6 | 1 | Too few |
| 2018 | 6 | 0 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 Associated Bank, National Association originated?
- 232 loans totaling $42.3M. The portfolio carries a 11.0% 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. Associated Bank, National Association's rate of 11.0% 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 Associated Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Associated Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.