Keystone Bank SSB
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Keystone Bank SSB
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 541990 | All Other Professional, Scientific, and Technical Services | 40 | $31.5M | $788K | 7.9% |
| 611620 | Sports and Recreation Instruction | 24 | $2.8M | $117K | 4.8% |
| 624410 | Child Day Care Services | 24 | $12.7M | $528K | 4.8% |
| 623312 | Homes for the Elderly | 24 | $20.9M | $870K | 4.8% |
| 722511 | Full-Service Restaurants | 24 | $12.3M | $514K | 4.8% |
| 446110 | Pharmacies and Drug Stores | 16 | $4.7M | $295K | 3.2% |
| 312120 | Breweries | 16 | $7.3M | $453K | 3.2% |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 16 | $17.1M | $1.1M | 3.2% |
| 812199 | Other Personal Care Services | 16 | $8.0M | $498K | 3.2% |
| 561790 | Other Services to Buildings and Dwellings | 16 | $1.8M | $115K | 3.2% |
Geographic Distribution
SBA lending activity for Keystone Bank SSB by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 488 | $266.8M | 96.8% |
| California (CA) | 16 | $17.4M | 3.2% |
Why Choose Keystone Bank SSB?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 504 SBA loans approved, totaling $284.1M in financing
- ✓Industry Expertise: Specialized focus on All Other Professional, Scientific, and Technical Services, Sports and Recreation Instruction, Child Day Care Services
- ✓Competitive Terms: Average interest rate of 7.85% with flexible term lengths averaging 127 months
- ✓Loan Range: Loan sizes from $45K to $2.4M, with an average of $564K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, CA
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Keystone Bank SSB SBA lending
What types of businesses does Keystone Bank SSB typically finance?
Keystone Bank SSB specializes in SBA 7(a) lending to specific industries including all other professional, scientific, and technical services, sports and recreation instruction, child day care services, homes for the elderly. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Keystone Bank SSB's typical SBA loan terms?
Keystone Bank SSB's SBA 7(a) loans typically feature an average interest rate of 7.85% and average term length of 127 months (approximately 11 years). Loan sizes range from $45K to $2.4M, with an average loan size of $564K.
Do I need a business valuation for a Keystone Bank SSB SBA loan?
Yes, Keystone Bank SSB typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Keystone Bank SSB compare to other SBA lenders?
Keystone Bank SSB has originated 504 SBA loans totaling $284.1M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Keystone Bank SSB lend in?
Keystone Bank SSB provides SBA 7(a) financing with particularly strong presence in TX, CA. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.