KB
SBA 7(a) franchise lending portfolio
Keystone Bank SSB
Risk rating: Good
- Total loans
- 60
- Loan volume
- $36.0M
- Avg loan size
- $600K
- Charge-off rate
- 5.6%
- vs 16.0% national
Charged off
2
Avg interest
6.18%
Franchises funded
26
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Bahama Buck's | 28 | $11.8M | 4.8% (excellent) |
| Kiddie Academy | 5 | $10.0M | N/A |
| Bahama Buck's Original Shaved | 3 | $1.4M | N/A |
| Potato Corner | 3 | $590K | N/A |
| Bee Hive Homes | 2 | $5.0M | N/A |
| Smokey Mo's Bar-B-Q | 2 | $1.1M | N/A |
| Armstrong McCall | 2 | $1.1M | N/A |
| Fantastic Sams | 1 | $280K | N/A |
| Souper Salad/Souper Fresh | 1 | $735K | N/A |
| Bright Star Healthcare/Brights | 1 | $450K | N/A |
| Blo Blow Dry Bar | 1 | $180K | N/A |
| Extra Innings | 1 | $273K | N/A |
| Hotworx | 1 | $253K | N/A |
| Tread Connection | 1 | $181K | N/A |
| Modern Acupuncture | 1 | $688K | N/A |
| Holiday Inn | 1 | $489K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2013 | 2 |
| FY2014 | 8 |
| FY2015 | 9 |
| FY2016 | 14 |
| FY2017 | 6 |
| FY2018 | 8 |
| FY2019 | 4 |
| FY2020 | 2 |
| FY2021 | 2 |
| FY2022 | 2 |
| FY2023 | 1 |
| FY2025 | 2 |
SBA 7(a) · charge-off rate by approval year
Keystone Bank SSB charge-off rate by loan vintage
None of these 5 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 |
|---|---|---|---|
| 2014 | 8 | 0 | Too few |
| 2015 | 5 | 0 | Too few |
| 2016 | 9 | 1 | Too few |
| 2017 | 4 | 0 | Too few |
| 2018 | 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 Keystone Bank SSB originated?
- 60 loans totaling $36.0M. The portfolio carries a 5.6% charge-off rate, earning a “Good” 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. Keystone Bank SSB's rate of 5.6% is below 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 Keystone Bank SSB fund the most?
- The “Top franchise exposures” table above lists the brands Keystone Bank SSB has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.