FA
SBA 7(a) franchise lending portfolio
First American Bank
ELEVATED risk
- Total loans
- 95
- Loan volume
- $27.3M
- Avg loan size
- $287K
- Charge-off rate
- 18.2%
- vs 15.4% national avg
Defaults
16
Avg interest
5.99%
Franchises funded
58
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 6 | $715K | 0.0% (low risk) |
| Color Me Mine Franchising, Inc | 5 | $210K | 0.0% (low risk) |
| Snap Fitness | 5 | $912K | 40.0% (very high risk) |
| Baskin-Robbins 31 Ice Cream | 4 | $145K | 0.0% (low risk) |
| Servpro | 4 | $9.1M | 0.0% (low risk) |
| Curtain Exchange Dallas (the) | 3 | $251K | 0.0% (low risk) |
| Cold Stone Creamery | 3 | $975K | 100.0% (very high risk) |
| Quiznos | 3 | $609K | 33.3% (very high risk) |
| Cold Stone Creamery, Inc. | 3 | $760K | 0.0% (low risk) |
| Curves For Women | 3 | $240K | 33.3% (very high risk) |
| Auntie Ann's (soft Pretzels) | 2 | $714K | 0.0% (low risk) |
| Cici's Pizza | 2 | $349K | 0.0% (low risk) |
| Fantastic Sam's | 2 | $195K | 0.0% (low risk) |
| Medicine Shoppe | 2 | $280K | 0.0% (low risk) |
| Dickey's Barbecue Pit | 2 | $610K | 100.0% (very high risk) |
| Servpro | 2 | $500K | 0.0% (low risk) |
| 100 Montaditos | 2 | $110K | 0.0% (low risk) |
| Color Me Mine | 2 | $40K | 0.0% (low risk) |
| Domino's Pizza | 1 | $60K | 0.0% (low risk) |
| Quizno's Subs | 1 | $50K | 0.0% (low risk) |
Lending volume by year
1'97
1
2
7
5
14'05
2
11
20
3
1'10
1
4
4
4
3'16
2
1
1
4
1'23
1
2'25
First American Bank charge-off rate by loan vintage
BrandNational avg
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 First American Bank originated?
- 95 loans totaling $27.3M. The portfolio carries a 18.2% charge-off rate, earning a “ELEVATED” 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 First American Bank fund the most?
- The “Top franchise exposures” table above lists the brands First American 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.