German American Bank: SBA Lending Record

What SBA's own loan files show about German American Bank as an SBA lender, and how a lender's record bears on a feasibility study.

Across FY2017 to FY2026, German American Bank appears in SBA's records on 462 approved loans carrying $147.2 million in gross dollars. The $147.2 million for German American Bank counts approved dollars, not balances. German American Bank appears only under SBA 7(a), with 462 loans. Under SBA 504, German American Bank shows 0 loans. SBA records German American Bank as holder, now or earlier, of 462 loans. The guarantee is SBA's, never German American Bank's. Every one of the 462 loans counts toward German American Bank because SBA shows it as holder. German American Bank is an SBA 7(a) record of 462 loans, in program terms. Here, German American Bank means the holder SBA names. German American Bank's 462 loans span FY2017 to FY2026 approvals.

German American Bank: where the loans sit

German American Bank's classes run limited-service restaurant, 37 loans; full-service restaurant, 31 loans; beverage manufacturing, 21 loans. 304 loans credited to German American Bank sit outside every class we break out. German American Bank's 462 loans extend past the classes above. German American Bank holds 37 in limited-service restaurant. German American Bank's states by loans: Ohio, 225 loans; Indiana, 192 loans; Kentucky, 45 loans. German American Bank's sample for Ohio sites is 225 loans. German American Bank's counts are a map only.

German American Bank: cancelled and charged-off loans

8.2% of German American Bank approvals, FY2017 to FY2024, were cancelled. For German American Bank, 8.2% is a floor. German American Bank's floor stops at FY2024 approvals. For German American Bank, 8.2% is the ceiling. The German American Bank ceiling counts undisbursed loans as cancelled. German American Bank: rates match, so the floor stands. German American Bank has no charge-off rate here. For German American Bank, under 30 loans means no rate. German American Bank: its disbursed cohort is small. German American Bank: a blank is not a zero.

German American Bank: what a study must test

German American Bank holds 462 recorded loans, $147.2 million in all. At German American Bank, demand comes first: who pays? For German American Bank, cost is second; 462 loans do not replace a quote. For German American Bank, third is debt service coverage. German American Bank: 8.2% is a floor. At German American Bank, the appraisal comes last: 462 loans cannot set your value. German American Bank's record cannot settle cost. Here German American Bank is a holder, not a verdict. German American Bank's 462 loans state nothing about its requirements. Ask German American Bank directly. Test first, then compare with German American Bank's 462 loans. Ask German American Bank what a complete study contains.

SBA loans held by German American Bank

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 FY2026462
Gross dollars approved$147.2 million
SBA 7(a) loans462
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)8.2%
The same, counting loans still undisbursed as cancelled (a ceiling)8.2%
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 classLoans
Not in any of the 39 asset classes304
Limited-service restaurant37
Full-service restaurant31
Beverage manufacturing (breweries, wineries, distilleries)21
Dental office10
Automotive mechanical repair (car and truck)9
Medical office (physicians)9
Fitness center8
Beauty salon7

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 areaLoans
Ohio225
Indiana192
Kentucky45

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-17393.

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 German American Bank 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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