TA
SBA 7(a) franchise lending portfolio
The American National Bank of Texas
Risk rating: Elevated
- Total loans
- 166
- Loan volume
- $48.6M
- Avg loan size
- $293K
- Charge-off rate
- 15.5%
- vs 16.0% national
Charged off
22
Avg interest
6.04%
Franchises funded
86
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 39 | $8.7M | 5.1% (good) |
| Dairy Queen Operating Agreemen | 8 | $3.4M | N/A |
| Kid To Kid | 7 | $1.1M | N/A |
| Great Clips | 4 | $290K | N/A |
| Ace Hardware | 4 | $3.3M | N/A |
| Snap-On-Tools | 3 | $500K | N/A |
| Domino's Pizza | 3 | $625K | N/A |
| Rocky Mountain Chocolate Facto | 3 | $682K | N/A |
| Eagle Transmission, Inc. | 3 | $375K | N/A |
| Quiznos | 3 | $555K | N/A |
| Wireless Zone | 3 | $790K | N/A |
| Long John Silver's | 3 | $1.4M | N/A |
| Marble Slab Creamery | 2 | $210K | N/A |
| Sports Clips | 2 | $270K | N/A |
| Once Upon A Child | 2 | $200K | N/A |
| Popeye's Famous Fried Chicken | 2 | $1.2M | N/A |
| Plato's Closet | 2 | $347K | N/A |
| Grandy's | 2 | $200K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1994 | 5 |
| FY1995 | 3 |
| FY1996 | 6 |
| FY1997 | 9 |
| FY1998 | 10 |
| FY1999 | 6 |
| FY2000 | 8 |
| FY2001 | 6 |
| FY2002 | 6 |
| FY2003 | 7 |
| FY2004 | 5 |
| FY2005 | 8 |
| FY2006 | 5 |
| FY2007 | 5 |
| FY2008 | 6 |
| FY2009 | 6 |
| FY2010 | 5 |
| FY2011 | 2 |
| FY2012 | 2 |
| FY2013 | 4 |
| FY2014 | 9 |
| FY2015 | 9 |
| FY2016 | 4 |
| FY2017 | 4 |
| FY2018 | 2 |
| FY2021 | 11 |
| FY2022 | 6 |
| FY2023 | 3 |
| FY2024 | 1 |
| FY2025 | 3 |
SBA 7(a) · charge-off rate by approval year
The American National Bank of Texas charge-off rate by loan vintage
Only 1 of these 22 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 |
|---|---|---|---|
| 1994 | 5 | 1 | Too few |
| 1995 | 3 | 0 | Too few |
| 1996 | 6 | 1 | Too few |
| 1997 | 9 | 2 | Too few |
| 1998 | 10 | 3 | 30.0% |
| 1999 | 6 | 1 | Too few |
| 2000 | 8 | 0 | Too few |
| 2001 | 6 | 0 | Too few |
| 2002 | 6 | 1 | Too few |
| 2003 | 7 | 0 | Too few |
| 2004 | 5 | 2 | Too few |
| 2005 | 8 | 0 | Too few |
| 2006 | 5 | 1 | Too few |
| 2007 | 5 | 1 | Too few |
| 2008 | 6 | 2 | Too few |
| 2009 | 6 | 3 | Too few |
| 2010 | 5 | 0 | Too few |
| 2013 | 4 | 0 | Too few |
| 2014 | 9 | 1 | Too few |
| 2015 | 9 | 1 | Too few |
| 2016 | 3 | 2 | Too few |
| 2017 | 4 | 0 | 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 The American National Bank of Texas originated?
- 166 loans totaling $48.6M. The portfolio carries a 15.5% charge-off rate, earning a “Elevated” 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. The American National Bank of Texas's rate of 15.5% is near 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 The American National Bank of Texas fund the most?
- The “Top franchise exposures” table above lists the brands The American National Bank of Texas has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.