FS
SBA 7(a) franchise lending portfolio
First State Bank Nebraska
EXCELLENT risk
- Total loans
- 33
- Loan volume
- $14.3M
- Avg loan size
- $434K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.62%
Franchises funded
13
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Ameriprise Financial | 9 | $5.1M | 0.0% (low risk) |
| Chiropractic Usa | 4 | $258K | 0.0% (low risk) |
| Taco John's | 4 | $1.7M | 0.0% (low risk) |
| DQ Grill & Chill Operating Agr | 4 | $945K | N/A |
| Anytime Fitness | 2 | $207K | 0.0% (low risk) |
| Taco John's | 2 | $80K | 0.0% (low risk) |
| Ameriprise Financial | 2 | $3.3M | 0.0% (low risk) |
| Dickey's Barbeque | 1 | $415K | 0.0% (low risk) |
| Hotworx | 1 | $300K | 0.0% (low risk) |
| QC Kinetix | 1 | $1.3M | 0.0% (low risk) |
| LIVE Hydration Spa | 1 | $315K | N/A |
| Transworld Business Advisors | 1 | $25K | N/A |
| Runza | 1 | $500K | N/A |
Lending volume by year
2'05
1'06
2'07
1'09
2'10
1'12
1'15
3'17
1'18
3'19
3'20
2'21
4'22
2'23
4'24
1'25
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 State Bank Nebraska originated?
- 33 loans totaling $14.3M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 State Bank Nebraska fund the most?
- The “Top franchise exposures” table above lists the brands First State Bank Nebraska has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.