SBA 7(a) franchise lending portfolio
German American Bank
- Total loans
- 130
- Loan volume
- $46.9M
- Avg loan size
- $361K
- Charge-off rate
- 3.0%
- vs 16.0% national
Charged off
3
Avg interest
6.12%
Franchises funded
73
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 31 | $10.6M | 3.6% (excellent) |
| Tim Horton Donuts | 5 | $1.2M | N/A |
| Wingstop | 4 | $1.2M | N/A |
| Jersey Mike's (deli Restaurant | 3 | $480K | N/A |
| Allstate Insurance | 3 | $1.8M | N/A |
| Dairy Queen Grill & Chill/Texa | 3 | $880K | N/A |
| True Value Hardware | 2 | $321K | N/A |
| Snap-On-Tools | 2 | $219K | N/A |
| Goin' Postal | 2 | $108K | N/A |
| Bear Claw Coffee | 2 | $178K | N/A |
| Wings Etc. | 2 | $800K | N/A |
| Lawn Doctor | 2 | $280K | N/A |
| Planet Sub | 2 | $269K | N/A |
| Certified Restoration DryClean | 2 | $2.9M | N/A |
| Fastsigns | 2 | $637K | N/A |
| Popeye's Famous Fried Chicken | 2 | $245K | N/A |
| B-Dry System, Inc. | 2 | $585K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 3 |
| FY1994 | 1 |
| FY1995 | 2 |
| FY1996 | 2 |
| FY1997 | 2 |
| FY2001 | 1 |
| FY2002 | 1 |
| FY2003 | 1 |
| FY2004 | 3 |
| FY2005 | 1 |
| FY2006 | 2 |
| FY2008 | 5 |
| FY2009 | 8 |
| FY2010 | 7 |
| FY2011 | 9 |
| FY2013 | 9 |
| FY2014 | 6 |
| FY2015 | 15 |
| FY2016 | 3 |
| FY2017 | 5 |
| FY2018 | 11 |
| FY2019 | 7 |
| FY2020 | 8 |
| FY2021 | 7 |
| FY2022 | 3 |
| FY2023 | 3 |
| FY2024 | 4 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
German American Bank: no charge-offs among resolved loans in the 2 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 3 | 0 | Too few |
| 2004 | 3 | 1 | Too few |
| 2008 | 5 | 0 | Too few |
| 2009 | 8 | 0 | Too few |
| 2010 | 7 | 0 | Too few |
| 2011 | 9 | 0 | Too few |
| 2013 | 9 | 0 | Too few |
| 2014 | 5 | 0 | Too few |
| 2015 | 13 | 0 | 0.0% |
| 2018 | 10 | 0 | 0.0% |
| 2019 | 6 | 0 | Too few |
| 2020 | 4 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
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 German American Bank originated?
- 130 loans totaling $46.9M. The portfolio carries a 3.0% 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). 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. German American Bank's rate of 3.0% 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 German American Bank fund the most?
- The “Top franchise exposures” table above lists the brands German 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.