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SBA 7(a) franchise lending portfolio
German American Bank
EXCELLENT risk
- Total loans
- 130
- Loan volume
- $46.9M
- Avg loan size
- $361K
- Default rate
- 3.0%
- vs 15.4% national avg
Defaults
3
Avg interest
6.12%
Franchises funded
73
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 13 | $2.8M | 7.7% |
| Subway | 9 | $3.0M | 0.0% |
| Subway | 9 | $4.8M | 0.0% |
| Tim Horton Donuts | 5 | $1.2M | 0.0% |
| Jersey Mike's (deli Restaurant | 3 | $480K | 0.0% |
| Allstate Insurance | 3 | $1.8M | 0.0% |
| Dairy Queen Grill & Chill/Texa | 3 | $880K | 0.0% |
| True Value Hardware | 2 | $321K | 0.0% |
| Snap-On-Tools | 2 | $219K | 50.0% |
| Goin' Postal | 2 | $108K | 0.0% |
| Bear Claw Coffee | 2 | $178K | 0.0% |
| Wings Etc. | 2 | $800K | 0.0% |
| Wingstop | 2 | $700K | 0.0% |
| Lawn Doctor | 2 | $280K | 0.0% |
| Wingstop Restaurant | 2 | $454K | 0.0% |
| Planet Sub | 2 | $269K | 0.0% |
| Certified Restoration DryClean | 2 | $2.9M | 0.0% |
| Fastsigns | 2 | $637K | 0.0% |
| Popeye's Famous Fried Chicken | 2 | $245K | 0.0% |
| B-Dry System, Inc. | 2 | $585K | 0.0% |
Lending volume by year
3'92
1
2
2
2
1'01
1
1
3
1
2'06
5
8
7
9
9'13
6
15
3
5
11'18
7
8
7
3
3'23
4
1'26
German American Bank default rate by loan vintage
BrandNational avg
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%).