GS
SBA 7(a) franchise lending portfolio
Great Southern Bank
CRITICAL risk
- Total loans
- 52
- Loan volume
- $10.5M
- Avg loan size
- $201K
- Charge-off rate
- 24.0%
- vs 15.4% national avg
Defaults
12
Avg interest
6.23%
Franchises funded
39
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Orange Leaf | 5 | $1.2M | 0.0% (low risk) |
| Little Ceasar's Pizza | 3 | $630K | 0.0% (low risk) |
| Grand Rental Station | 2 | $235K | 0.0% (low risk) |
| Worldwide Refinishing System | 2 | $95K | 100.0% (very high risk) |
| Massage Heights | 2 | $225K | 0.0% (low risk) |
| Little Gym | 2 | $250K | 100.0% (very high risk) |
| Dickey's Barbeque | 2 | $442K | 0.0% (low risk) |
| Maid-Rite Sandwich Shop | 2 | $100K | 0.0% (low risk) |
| Dickey's Barbecue Pit | 2 | $465K | 50.0% (very high risk) |
| Golden Corral (restaurant) | 1 | $100K | N/A |
| Subway Sandwich Shop | 1 | $186K | 0.0% (low risk) |
| H & R Block | 1 | $92K | 0.0% (low risk) |
| Popeye's Famous Fried Chicken | 1 | $535K | 0.0% (low risk) |
| B.t. Bones Restaurant (steakho | 1 | $650K | 0.0% (low risk) |
| Blimpie | 1 | $82K | 100.0% (very high risk) |
| Ming Auto Beauty Center | 1 | $100K | 0.0% (low risk) |
| Scott's Lawnservice | 1 | $78K | 100.0% (very high risk) |
| Golf U.s.a. (retail Golf Equip | 1 | $208K | 100.0% (very high risk) |
| Wheel Repair Solutions Interna | 1 | $56K | 0.0% (low risk) |
| Post Net | 1 | $60K | 100.0% (very high risk) |
Lending volume by year
1'92
1'93
4'95
2'96
3'98
2'00
1'02
3'04
3'05
3'06
1'07
4'08
1'10
9'11
2'12
4'13
5'14
2'15
1'24
Great Southern 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 Great Southern Bank originated?
- 52 loans totaling $10.5M. The portfolio carries a 24.0% charge-off rate, earning a “CRITICAL” 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 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.