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SBA 7(a) franchise lending portfolio
The American National Bank of Texas
ELEVATED risk
- Total loans
- 166
- Loan volume
- $48.6M
- Avg loan size
- $293K
- Default rate
- 15.5%
- vs 15.4% national avg
Defaults
22
Avg interest
6.04%
Franchises funded
86
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 36 | $7.9M | 2.8% |
| Kid To Kid | 7 | $1.1M | 14.3% |
| Dairy Queen Operating Agreemen | 6 | $2.0M | — |
| Great Clips | 4 | $290K | 75.0% |
| Ace Hardware | 4 | $3.3M | — |
| Snap-On-Tools | 3 | $500K | 0.0% |
| Domino's Pizza | 3 | $625K | 0.0% |
| Rocky Mountain Chocolate Facto | 3 | $682K | 0.0% |
| Eagle Transmission, Inc. | 3 | $375K | 33.3% |
| Quiznos | 3 | $555K | 33.3% |
| Subway | 3 | $824K | 33.3% |
| Wireless Zone | 3 | $790K | 100.0% |
| Long John Silver's | 3 | $1.4M | 0.0% |
| Dairy Queen | 2 | $1.4M | 0.0% |
| Marble Slab Creamery | 2 | $210K | 0.0% |
| Sports Clips | 2 | $270K | 0.0% |
| Once Upon A Child | 2 | $200K | 0.0% |
| Popeye's Famous Fried Chicken | 2 | $1.2M | 0.0% |
| Plato's Closet | 2 | $347K | 0.0% |
| Grandy's | 2 | $200K | 0.0% |
Lending volume by year
5'94
3
6
9
10
6'99
8
6
6
7
5'04
8
5
5
6
6'09
5
2
2
4
9'14
9
4
4
2
11'21
6
3
1
3'25
The American National Bank of Texas 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%).