American Bank (LA): SBA Lending Record
What SBA's own loan files show about American Bank (LA) as an SBA lender, and how a lender's record bears on a feasibility study.
Gross approvals for American Bank (LA) total $223.6 million on 250 loans, FY2017 to FY2026. American Bank (LA) shows 250 7(a) loans, and no 504 loans. American Bank (LA) has 250 loans assigned to it. 250 loans carry SBA's guarantee, not American Bank (LA)'s.
What American Bank (LA) holds, by class and state
American Bank (LA) ranks by loans as Full-service restaurant, 26, Hotel and motel, 18, Limited-service restaurant, 11, Gas station and truck stop, 9 and Automotive mechanical repair (car and truck), 5. 145 loans, the biggest American Bank (LA) group, sit outside the tracked classes. American Bank (LA)'s states by loans run Louisiana, 221 and Mississippi, 8.
American Bank (LA): cancellations and charge-offs
7.9% is the cancellation floor on American Bank (LA) approvals from FY2017 to FY2024. American Bank (LA) ceiling: withheld, per Loan Analytics' own rule. American Bank (LA) ceiling: no zero, no estimate. American Bank (LA) rate: withheld, with fewer than 30 of 250 loans disbursed in FY2017 to FY2021. American Bank (LA) figure: withheld by Loan Analytics' own rule. American Bank (LA): each rate is the least SBA shows.
American Bank (LA) in a feasibility study
American Bank (LA) lists 26 loans in the Full-service restaurant class. American Bank (LA) study needs comparable sales. American Bank (LA): labour and food cost remains open across 26 Full-service restaurant loans. American Bank (LA) study also needs occupancy cost. 18 loans of American Bank (LA) fall in the Hotel and motel class. American Bank (LA) study must prove value apart from brand. 18 Hotel and motel loans leave room supply nearby open. American Bank (LA) total of $223.6 million says nothing about any one site. American Bank (LA) also has 145 loans in no tracked class. American Bank (LA): the project must carry the case. American Bank (LA): 221 loans in Louisiana, each site needs local evidence. American Bank (LA): ask directly what it needs to see. American Bank (LA) shows 250 loans, not demand at any one site. American Bank (LA) totals trail supply near the site. American Bank (LA) study: written support behind each revenue figure. American Bank (LA) request: build cost quoted, not assumed. American Bank (LA) debt service needs a cautious revenue case. American Bank (LA) history cannot stand in for an appraisal. American Bank (LA) study needs a downside case in writing. American Bank (LA): assumptions stated, coverage tested, value supported. American Bank (LA) lists 250 loans and $223.6 million in gross approvals. American Bank (LA) equity belongs in the study.
American Bank (LA) cancellation rates use approvals through FY2024 only. American Bank (LA) totals add FY2025 and FY2026 approvals. American Bank (LA) figures describe loans held, not lender practices. 250 loans cannot predict one new request to American Bank (LA). American Bank (LA) withheld values are never zeros or estimates.
SBA loans held by American Bank (LA)
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 250 |
|---|---|
| Gross dollars approved | $223.6 million |
| SBA 7(a) loans | 250 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.9% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 145 |
| Full-service restaurant | 26 |
| Hotel and motel | 18 |
| Limited-service restaurant | 11 |
| Gas station and truck stop | 9 |
| Automotive mechanical repair (car and truck) | 5 |
| Fitness center | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Louisiana | 221 |
| Mississippi | 8 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-19234.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by American Bank (LA) or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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