AB
SBA 7(a) franchise lending portfolio
Austin Bank Texas National Association
AVERAGE risk
- Total loans
- 17
- Loan volume
- $4.8M
- Avg loan size
- $282K
- Charge-off 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% (low risk) |
| Rainbow Carpet Dyeing | 1 | $64K | 0.0% (low risk) |
| Kawasaki | 1 | $66K | 0.0% (low risk) |
| H & R Block | 1 | $50K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $150K | 0.0% (low risk) |
| Williams Chicken | 1 | $80K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $1.5M | 0.0% (low risk) |
| Schlotzsky's Sandwich Shop | 1 | $66K | 0.0% (low risk) |
| Dippin Dots | 1 | $50K | 0.0% (low risk) |
| Temporary Franchises | 1 | $61K | 0.0% (low risk) |
| Homes & Land (magazine) | 1 | $110K | 0.0% (low risk) |
| Post Net | 1 | $120K | 100.0% (very high risk) |
| Hungry Howie's Pizza | 1 | $256K | 100.0% (very high risk) |
| The UPS Store | 1 | $140K | 0.0% (low risk) |
| Mosquito Authority | 1 | $185K | N/A |
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
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 Austin Bank Texas National Association originated?
- 17 loans totaling $4.8M. The portfolio carries a 12.5% 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). 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 Austin Bank Texas National Association fund the most?
- The “Top franchise exposures” table above lists the brands Austin Bank Texas 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.