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SBA 7(a) franchise lending portfolio
Austin Bank Texas National Association
AVERAGE risk
- Total loans
- 17
- Loan volume
- $4.8M
- Avg loan size
- $282K
- Default rate
- 12.5%
- vs 15.4% national avg
Defaults
2
Avg interest
7.12%
Franchises funded
15
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Great American Cookies | 3 | $1.9M | 0.0% |
| Rainbow Carpet Dyeing | 1 | $64K | 0.0% |
| Kawasaki | 1 | $66K | 0.0% |
| H & R Block | 1 | $50K | 0.0% |
| Mail Boxes Etc. Usa | 1 | $150K | 0.0% |
| Williams Chicken | 1 | $80K | 0.0% |
| Subway Sandwich Shop | 1 | $1.5M | 0.0% |
| Schlotzsky's Sandwich Shop | 1 | $66K | 0.0% |
| Dippin Dots | 1 | $50K | 0.0% |
| Temporary Franchises | 1 | $61K | 0.0% |
| Homes & Land (magazine) | 1 | $110K | 0.0% |
| Post Net | 1 | $120K | 100.0% |
| Hungry Howie's Pizza | 1 | $256K | 100.0% |
| The UPS Store | 1 | $140K | 0.0% |
| Mosquito Authority | 1 | $185K | — |
Lending volume by year
2'99
3'01
1'02
1'03
4'04
2'05
1'11
1'13
1'18
1'24
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%).