Lenders › American National Bank-Fox Cities
7(a) lenderAppleton, WisconsinFDIC-insured bank478th of 2,184 by approvals
American National Bank-Fox Cities
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
American National Bank-Fox Cities, based in Appleton, Wisconsin, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 55 of its 7(a) loans worth $14.4M in FY2021 to FY2025, which places it 478th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 5 approvals totalling $730K, down 67% on FY2024 (15). FY2026 to 30 Jun 2026 adds 12 more.
The median approval was $150K, against $190K for the 7(a) program as a whole; 50.9% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 1 state or territory and 9 counties, led by Wisconsin (100.0%). The largest industry group was manufacturing at 27.3% of approvals, and 1.8% of approvals were to franchise businesses.
Of 152 disbursed loans approved in FY2010 to FY2021, SBA records 2 as charged off (1.3%), 134 as paid in full and 16 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 12 | $6.9M | $199K | $575K | 203 |
| FY2025 | 5 | $730K | $150K | $146K | 87 |
| FY2024 | 15 | $5.6M | $200K | $373K | 70 |
| FY2023 | 14 | $2.2M | $141K | $159K | 75 |
| FY2022 | 8 | $3.5M | $188K | $440K | 68 |
| FY2021 | 13 | $2.3M | $142K | $176K | 123 |
| FY2020 | 8 | $2.6M | $200K | $326K | 125 |
| FY2019 | 10 | $1.4M | $100K | $137K | 87 |
| FY2018 | 12 | $3.3M | $144K | $278K | 79 |
| FY2017 | 16 | $1.6M | $94K | $101K | 133 |
| FY2016 | 15 | $2.3M | $150K | $154K | 348 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 61 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Wisconsin | 7(a) program |
|---|---|---|---|
| Approvals in these years | 164 | 16,853 | 639,905 |
| Cancelled or never disbursed | 12 | 1,983 | 79,313 |
| Disbursed loans | 152 | 14,870 | 560,592 |
| Paid in full | 134 | 12,167 | 435,813 |
| Charged off | 2 | 736 | 36,891 |
| Still outstanding (status exempt from disclosure) | 16 | 1,967 | 87,888 |
| Charged off, share of disbursed loans | 1.3% | 4.9% | 6.6% |
| Dollars charged off, share of disbursed dollars | 3.7% | 2.6% | 2.5% |
| Dollars charged off | $1.3M | $143M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 13 | 4 | 0 | — | 2.8% |
| FY2020 | 8 | 5 | 0 | — | 4.0% |
| FY2019 | 10 | 9 | 0 | — | 6.7% |
| FY2018 | 12 | 10 | 1 | — | 7.9% |
| FY2017 | 14 | 14 | 0 | — | 7.7% |
| FY2016 | 13 | 13 | 0 | — | 7.2% |
| FY2015 | 19 | 19 | 0 | — | 6.9% |
| FY2014 | 16 | 15 | 0 | — | 6.4% |
| FY2013 | 8 | 8 | 0 | — | 6.0% |
| FY2012 | 18 | 17 | 1 | — | 6.3% |
| FY2011 | 14 | 13 | 0 | — | 6.9% |
| FY2010 | 7 | 7 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $150K | $190K |
| Average approval | $261K | $518K |
| Approvals of $150,000 or less | 50.9% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 50.9% | 34.3% |
| Approvals to franchise businesses | 1.8% | 11.5% |
| Jobs supported per approval, as reported | 7.7 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 1.3% | 6.6% |
States served
| # | State of the business (1 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wisconsin | 55 | $14.4M | 100.0% |
In Wisconsin the lender accounts for 1.0% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (9 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Outagamie County, WI | 22 | $5.6M | 40.0% | |
| 2 | Brown County, WI | 15 | $2.9M | 27.3% | |
| 3 | Calumet County, WI | 5 | $2.8M | 9.1% | |
| 4 | Winnebago County, WI | 5 | $763K | 9.1% | |
| 5 | Marathon County, WI | 2 | — | 3.6% | |
| 6 | Waukesha County, WI | 2 | — | 3.6% | |
| 7 | Kewaunee County, WI | 2 | — | 3.6% | |
| 8 | Racine County, WI | 1 | — | 1.8% | |
| 9 | Oconto County, WI | 1 | — | 1.8% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Manufacturing | 15 | 27.3% | |
| 2 | Retail Trade | 9 | 16.4% | |
| 3 | Construction | 8 | 14.5% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 5 | 9.1% | |
| 5 | Health Care and Social Assistance | 5 | 9.1% | |
| 6 | Other Services (except Public Administration) | 3 | 5.5% | |
| 7 | Accommodation and Food Services | 2 | 3.6% | |
| 8 | Arts, Entertainment, and Recreation | 2 | 3.6% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Machine Shops; Turned Product; and Screw, Nut, and Bolt ManufacturingNAICS 3327 | 5 | 9.1% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 4 | 7.3% | |
| 3 | Other Miscellaneous ManufacturingNAICS 3399 | 3 | 5.5% | |
| 4 | Printing and Related Support ActivitiesNAICS 3231 | 3 | 5.5% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 5.5% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 3 | 5.5% | |
| 7 | Steel Product Manufacturing from Purchased SteelNAICS 3312 | 2 | 3.6% | |
| 8 | Lawn and Garden Equipment and Supplies StoresNAICS 4442 | 2 | 3.6% | |
| 9 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 3.6% | |
| 10 | Beverage ManufacturingNAICS 3121 | 2 | 3.6% |
Approval sizes
- $50,000 or less18.2%10
- $50,001 to $150,00032.7%18
- $150,001 to $350,00030.9%17
- $350,001 to $1 million14.5%8
- $1 million to $2 million1.8%1
- Over $2 million1.8%1
Loan terms
- 5 years or less16.4%9
- Over 5 to 10 years72.7%40
- Over 10 to 20 years7.3%4
- Over 20 years3.6%2
Age of the businesses
- Existing, more than 2 years old25.5%14
- New business, 2 years or less25.5%14
- Startup, loan funds will open the business25.5%14
- Change of ownership23.6%13
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 31 | 56.4% | |
| 2 | SBA Express Program | 24 | 43.6% |
Franchise share
1 of 55 approvals in FY2021–FY2025 (1.8%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Fred Astaire Dance Studios | 1 | 1.8% |
Questions and answers
How many SBA loans does American National Bank-Fox Cities make?
SBA approved 5 7(a) loans through American National Bank-Fox Cities in FY2025, worth $730K, and 55 over FY2021 to FY2025. That ranks 478th of 2,184 active 7(a) lenders by number of approvals.
How large are American National Bank-Fox Cities's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $150K and the average $261K. The program-wide median was $190K.
What is American National Bank-Fox Cities's charge-off rate?
Of 152 disbursed loans approved in FY2010 to FY2021, SBA records 2 as charged off (1.3%), 134 as paid in full and 16 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does American National Bank-Fox Cities lend to most?
By number of approvals in FY2021 to FY2025: machine shops; turned product; and screw, nut, and bolt manufacturing (5); services to buildings and dwellings (4); other miscellaneous manufacturing (3); printing and related support activities (3).
Where does American National Bank-Fox Cities make SBA loans?
In 1 state or territory. Wisconsin 55. In Wisconsin it accounts for 1.0% of all 7(a) approvals.
Is American National Bank-Fox Cities's SBA lending rising?
Approvals in the three latest complete fiscal years total 34, against 29 in the three before: rising (+17%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error