GA
SBA 7(a) franchise lending portfolio
German American Bank
EXCELLENT risk
- Total loans
- 130
- Loan volume
- $46.9M
- Avg loan size
- $361K
- Charge-off 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% (moderate risk) |
| Subway | 9 | $3.0M | 0.0% (low risk) |
| Subway | 9 | $4.8M | 0.0% (low risk) |
| Tim Horton Donuts | 5 | $1.2M | 0.0% (low risk) |
| Jersey Mike's (deli Restaurant | 3 | $480K | 0.0% (low risk) |
| Allstate Insurance | 3 | $1.8M | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 3 | $880K | 0.0% (low risk) |
| True Value Hardware | 2 | $321K | 0.0% (low risk) |
| Snap-On-Tools | 2 | $219K | 50.0% (very high risk) |
| Goin' Postal | 2 | $108K | 0.0% (low risk) |
| Bear Claw Coffee | 2 | $178K | 0.0% (low risk) |
| Wings Etc. | 2 | $800K | 0.0% (low risk) |
| Wingstop | 2 | $700K | 0.0% (low risk) |
| Lawn Doctor | 2 | $280K | 0.0% (low risk) |
| Wingstop Restaurant | 2 | $454K | 0.0% (low risk) |
| Planet Sub | 2 | $269K | 0.0% (low risk) |
| Certified Restoration DryClean | 2 | $2.9M | 0.0% (low risk) |
| Fastsigns | 2 | $637K | 0.0% (low risk) |
| Popeye's Famous Fried Chicken | 2 | $245K | 0.0% (low risk) |
| B-Dry System, Inc. | 2 | $585K | 0.0% (low risk) |
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 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 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). 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 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.