STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
173
2010–2025
Total Volume
$111M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
173 total segments
Keystone Bank primarily serves startups, with 52% of their SBA deals focused on new businesses. If you're a first-time borrower, this lender may be a good fit for you.
With an average 7(a) spread of P+1.98%, Keystone Bank offers competitive pricing compared to the national median of ~P+2.75%. This could save you money on interest.
Keystone Bank has shown a strong growth trend, increasing their SBA deal volume by 42% year-over-year. This suggests they are actively looking to lend, which may work in your favor.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 6 504 loans, which use fixed SBA debenture rates.
States where Keystone Bank SSB has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Nursing & Residential Care
Health Care & Social Assistance
Other Professional Services
Professional Services
Retail Trade
Retail Trade
Social Assistance
Health Care & Social Assistance
Education
Education
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for Keystone Bank SSB, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 20 | P+2.74% | $267K | Q1 2025 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 16 | P+2.26% | $421K | Q1 2025 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 7 | P+2.50% | $824K | Q3 2023 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.38% | $114K | Q3 2021 |
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+2.00% | $118K | Q2 2025 |
| Texas · Nursing & Residential Care · $150K – $350K | 7(a) | 3 | P+2.00% | $333K | Q2 2021 |
| Texas · Manufacturing · Under $150K | 7(a) | 3 | P+2.00% | $68K | Q2 2025 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.00% | $258K | Q3 2019 |
| Texas · Manufacturing · $500K – $1M | 7(a) | 3 | P+0.75% | $797K | Q4 2024 |
| Texas · Manufacturing · $2M – $5M | 7(a) | 3 | P+2.50% | $3.1M | Q4 2014 |
| Texas · Education · $500K – $1M | 7(a) | 3 | P+2.00% | $675K | Q2 2018 |
| Texas · Other Professional Services · Under $150K | 7(a) | 3 | P+2.75% | $123K | Q2 2025 |
| Texas · Retail Trade · Under $150K | 7(a) | 3 | P+2.00% | $120K | Q2 2020 |
| Texas · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 3 | P+2.25% | $237K | Q3 2019 |
| Texas · Other Professional Services · $1M – $2M | 7(a) | 2 | P+2.38% | $1.3M | Q3 2023 |
| Texas · Social Assistance · $2M – $5M | 7(a) | 2 | P+1.75% | $3.8M | Q2 2018 |
| Texas · Social Assistance · $350K – $500K | 7(a) | 2 | P+1.50% | $369K | Q2 2020 |
| Texas · Nursing & Residential Care · $1M – $2M | 7(a) | 2 | P+1.75% | $1.6M | Q3 2020 |
| Texas · Wholesale Trade · $500K – $1M | 7(a) | 2 | P+1.88% | $621K | Q2 2016 |
| Texas · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+1.80% | $1.2M | Q3 2017 |
| Texas · Retail Trade · $350K – $500K | 7(a) | 2 | P+1.88% | $463K | Q3 2020 |
| Texas · Retail Trade · $500K – $1M | 7(a) | 2 | P+0.88% | $651K | Q2 2018 |
| Texas · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+2.63% | $75K | Q4 2023 |
| Texas · Other Professional Services · $500K – $1M | 7(a) | 2 | P+2.13% | $869K | Q4 2023 |
| Texas · Other Health Practitioners · $350K – $500K | 7(a) | 2 | P+2.75% | $475K | Q3 2024 |
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Real experiences from borrowers who closed SBA loans with Keystone Bank SSB.
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