GS
SBA 7(a) franchise lending portfolio
Great Southern Bank
Risk rating: High Risk
- Total loans
- 52
- Loan volume
- $10.5M
- Avg loan size
- $201K
- Charge-off rate
- 24.0%
- vs 16.0% national
Charged off
12
Avg interest
6.23%
Franchises funded
39
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Orange Leaf | 5 | $1.2M | N/A |
| Dickey's Barbeque | 4 | $907K | N/A |
| Little Ceasar's Pizza | 3 | $630K | N/A |
| Grand Rental Station | 2 | $235K | N/A |
| Worldwide Refinishing System | 2 | $95K | N/A |
| Massage Heights | 2 | $225K | N/A |
| Little Gym | 2 | $250K | N/A |
| Maid-Rite Sandwich Shop | 2 | $100K | N/A |
| Golden Corral (restaurant) | 1 | $100K | N/A |
| Subway Sandwich Shop | 1 | $186K | N/A |
| H & R Block | 1 | $92K | N/A |
| Popeye's Famous Fried Chicken | 1 | $535K | N/A |
| B.t. Bones Restaurant (steakho | 1 | $650K | N/A |
| Blimpie | 1 | $82K | N/A |
| Ming Auto Beauty Center | 1 | $100K | N/A |
| Scott's Lawnservice | 1 | $78K | N/A |
| Golf U.s.a. (retail Golf Equip | 1 | $208K | N/A |
| Wheel Repair Solutions Interna | 1 | $56K | N/A |
| Post Net | 1 | $60K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY1993 | 1 |
| FY1995 | 4 |
| FY1996 | 2 |
| FY1998 | 3 |
| FY2000 | 2 |
| FY2002 | 1 |
| FY2004 | 3 |
| FY2005 | 3 |
| FY2006 | 3 |
| FY2007 | 1 |
| FY2008 | 4 |
| FY2010 | 1 |
| FY2011 | 9 |
| FY2012 | 2 |
| FY2013 | 4 |
| FY2014 | 5 |
| FY2015 | 2 |
| FY2024 | 1 |
SBA 7(a) · charge-off rate by approval year
Great Southern Bank charge-off rate by loan vintage
None of these 9 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1995 | 3 | 2 | Too few |
| 1998 | 3 | 0 | Too few |
| 2004 | 3 | 2 | Too few |
| 2005 | 3 | 0 | Too few |
| 2006 | 3 | 2 | Too few |
| 2008 | 4 | 0 | Too few |
| 2011 | 9 | 0 | Too few |
| 2013 | 4 | 0 | Too few |
| 2014 | 5 | 2 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 Great Southern Bank originated?
- 52 loans totaling $10.5M. The portfolio carries a 24.0% charge-off rate, earning a “High Risk” 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. Great Southern Bank's rate of 24.0% is above 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 Great Southern Bank fund the most?
- The “Top franchise exposures” table above lists the brands Great Southern 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.