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SBA 7(a) franchise lending portfolio
Keystone Bank SSB
GOOD risk
- Total loans
- 60
- Loan volume
- $36.0M
- Avg loan size
- $600K
- Default rate
- 5.6%
- vs 15.4% national avg
Defaults
2
Avg interest
6.18%
Franchises funded
26
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Bahama Buck's | 28 | $11.8M | 4.8% |
| Kiddie Academy | 4 | $6.5M | 0.0% |
| Bahama Buck's Original Shaved | 3 | $1.4M | 0.0% |
| Bee Hive Homes | 2 | $5.0M | 0.0% |
| Potato Corner | 2 | $392K | — |
| Fantastic Sams | 1 | $280K | 0.0% |
| Souper Salad/Souper Fresh | 1 | $735K | — |
| Kiddie Academy | 1 | $3.6M | — |
| Smokey Mo's Bar-B-Q | 1 | $489K | — |
| Bright Star Healthcare/Brights | 1 | $450K | 0.0% |
| Blo Blow Dry Bar | 1 | $180K | — |
| Armstrong McCall | 1 | $456K | — |
| Extra Innings | 1 | $273K | 0.0% |
| Hotworx | 1 | $253K | — |
| Tread Connection | 1 | $181K | 100.0% |
| Armstrong Mccall | 1 | $658K | — |
| Smokey Mo's Bar-B-Q | 1 | $583K | — |
| Modern Acupuncture | 1 | $688K | — |
| Potato Corner | 1 | $199K | 0.0% |
| Holiday Inn | 1 | $489K | 0.0% |
Lending volume by year
2'13
8'14
9'15
14'16
6'17
8'18
4'19
2'20
2'21
2'22
1'23
2'25
Keystone Bank SSB 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%).