KB
SBA 7(a) franchise lending portfolio
Keystone Bank SSB
GOOD risk
- Total loans
- 60
- Loan volume
- $36.0M
- Avg loan size
- $600K
- Charge-off 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% (low risk) |
| Kiddie Academy | 4 | $6.5M | 0.0% (low risk) |
| Bahama Buck's Original Shaved | 3 | $1.4M | 0.0% (low risk) |
| Bee Hive Homes | 2 | $5.0M | 0.0% (low risk) |
| Potato Corner | 2 | $392K | N/A |
| Fantastic Sams | 1 | $280K | 0.0% (low risk) |
| Souper Salad/Souper Fresh | 1 | $735K | N/A |
| Kiddie Academy | 1 | $3.6M | N/A |
| Smokey Mo's Bar-B-Q | 1 | $489K | N/A |
| Bright Star Healthcare/Brights | 1 | $450K | 0.0% (low risk) |
| Blo Blow Dry Bar | 1 | $180K | N/A |
| Armstrong McCall | 1 | $456K | N/A |
| Extra Innings | 1 | $273K | 0.0% (low risk) |
| Hotworx | 1 | $253K | N/A |
| Tread Connection | 1 | $181K | 100.0% (very high risk) |
| Armstrong Mccall | 1 | $658K | N/A |
| Smokey Mo's Bar-B-Q | 1 | $583K | N/A |
| Modern Acupuncture | 1 | $688K | N/A |
| Potato Corner | 1 | $199K | 0.0% (low risk) |
| Holiday Inn | 1 | $489K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
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). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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.