Lenders › Stone Bank
7(a) lenderMountain View, ArkansasFDIC-insured bank118th of 2,184 by approvals
Stone Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
In FY2021 to FY2025 SBA approved 320 7(a) loans, worth $240M, through Stone Bank of Mountain View, Arkansas, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 118th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 226 approvals totalling $87.8M, up 1407% on FY2024 (15). FY2026 to 30 Jun 2026 adds 172 more.
The median approval was $150K, against $190K for the 7(a) program as a whole; 53.8% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 44 states and territories and 198 counties, led by Florida (22.8%), California (10.9%) and Texas (10.3%). The largest industry group was other services (except public administration) at 16.3% of approvals, and 3.4% of approvals were to franchise businesses.
Of 203 disbursed loans approved in FY2010 to FY2021, SBA records 21 as charged off (10.3%), 104 as paid in full and 78 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 172 | $63.2M | $150K | $368K | 1,318 |
| FY2025 | 226 | $87.8M | $150K | $389K | 1,537 |
| FY2024 | 15 | $19.9M | $975K | $1.3M | 96 |
| FY2023 | 24 | $48.9M | $1.0M | $2.0M | 314 |
| FY2022 | 19 | $27.9M | $1.3M | $1.5M | 416 |
| FY2021 | 36 | $55.3M | $1.2M | $1.5M | 654 |
| FY2020 | 46 | $53.3M | $637K | $1.2M | 737 |
| FY2019 | 76 | $80.2M | $683K | $1.1M | 1,363 |
| FY2018 | 65 | $72.4M | $620K | $1.1M | 726 |
| FY2017 | 10 | $12.5M | $208K | $1.3M | 130 |
| FY2016 | 7 | $4.9M | $374K | $693K | 34 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 204 approvals. First approval on file: FY2015.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Florida | 7(a) program |
|---|---|---|---|
| Approvals in these years | 241 | 31,863 | 639,905 |
| Cancelled or never disbursed | 38 | 3,596 | 79,313 |
| Disbursed loans | 203 | 28,267 | 560,592 |
| Paid in full | 104 | 20,064 | 435,813 |
| Charged off | 21 | 2,783 | 36,891 |
| Still outstanding (status exempt from disclosure) | 78 | 5,420 | 87,888 |
| Charged off, share of disbursed loans | 10.3% | 9.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 4.1% | 3.1% | 2.5% |
| Dollars charged off | $9.2M | $442M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 34 | 16 | 0 | 0.0% | 2.8% |
| FY2020 | 37 | 19 | 0 | 0.0% | 4.0% |
| FY2019 | 64 | 30 | 10 | 15.6% | 6.7% |
| FY2018 | 50 | 29 | 5 | 10.0% | 7.9% |
| FY2017 | 10 | 7 | 2 | — | 7.7% |
| FY2016 | 7 | 2 | 4 | — | 7.2% |
| FY2015 | 1 | 1 | 0 | — | 6.9% |
| FY2014 | 0 | 0 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 0 | 0 | 0 | — | 6.3% |
| FY2011 | 0 | 0 | 0 | — | 6.9% |
| FY2010 | 0 | 0 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $150K | $190K |
| Average approval | $749K | $518K |
| Approvals of $150,000 or less | 53.8% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 18.8% | 34.3% |
| Approvals to franchise businesses | 3.4% | 11.5% |
| Jobs supported per approval, as reported | 9.4 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 10.3% | 6.6% |
States served
| # | State of the business (44 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida | 73 | $63.0M | 22.8% | |
| 2 | California | 35 | $13.2M | 10.9% | |
| 3 | Texas | 33 | $27.9M | 10.3% | |
| 4 | New York | 15 | $6.3M | 4.7% | |
| 5 | Georgia | 13 | $5.3M | 4.1% | |
| 6 | Colorado | 11 | $4.6M | 3.4% | |
| 7 | Pennsylvania | 10 | $5.2M | 3.1% | |
| 8 | Virginia | 10 | $4.1M | 3.1% | |
| 9 | New Jersey | 10 | $3.4M | 3.1% | |
| 10 | North Carolina | 9 | $11.1M | 2.8% | |
| 11 | Tennessee | 9 | $11.1M | 2.8% | |
| 12 | Arkansas | 7 | $7.3M | 2.2% |
In Florida the lender accounts for 0.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (198 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Broward County, FL | 11 | $7.9M | 3.4% | |
| 2 | Miami-Dade County, FL | 10 | $7.0M | 3.1% | |
| 3 | Orange County, FL | 9 | $5.9M | 2.8% | |
| 4 | Los Angeles County, CA | 8 | $1.2M | 2.5% | |
| 5 | Palm Beach County, FL | 7 | $5.8M | 2.2% | |
| 6 | Bexar County, TX | 7 | $2.7M | 2.2% | |
| 7 | Orange County, CA | 7 | $1.1M | 2.2% | |
| 8 | Hillsborough County, FL | 6 | $5.8M | 1.9% | |
| 9 | Harris County, TX | 5 | $5.5M | 1.6% | |
| 10 | Tarrant County, TX | 4 | $5.4M | 1.3% | |
| 11 | Nassau County, NY | 4 | $475K | 1.3% | |
| 12 | Saint Croix, VI | 3 | $5.9M | 0.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 52 | 16.3% | |
| 2 | Professional, Scientific, and Technical Services | 39 | 12.2% | |
| 3 | Health Care and Social Assistance | 29 | 9.1% | |
| 4 | Transportation and Warehousing | 29 | 9.1% | |
| 5 | Retail Trade | 28 | 8.8% | |
| 6 | Construction | 24 | 7.5% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 16 | 5.0% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 15 | 4.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 24 | 7.5% | |
| 2 | Personal Care ServicesNAICS 8121 | 18 | 5.6% | |
| 3 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 16 | 5.0% | |
| 4 | General Freight TruckingNAICS 4841 | 13 | 4.1% | |
| 5 | Poultry and Egg ProductionNAICS 1123 | 10 | 3.1% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 9 | 2.8% | |
| 7 | Traveler AccommodationNAICS 7211 | 8 | 2.5% | |
| 8 | Child Day Care ServicesNAICS 6244 | 8 | 2.5% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 8 | 2.5% | |
| 10 | Health and Personal Care RetailersNAICS 4561 | 7 | 2.2% |
Approval sizes
- $50,001 to $150,00053.8%172
- $150,001 to $350,0009.7%31
- $350,001 to $1 million15.0%48
- $1 million to $2 million9.4%30
- Over $2 million12.2%39
Loan terms
- Over 5 to 10 years65.3%209
- Over 10 to 20 years4.7%15
- Over 20 years30.0%96
Age of the businesses
- Existing, more than 2 years old78.1%250
- New business, 2 years or less6.3%20
- Startup, loan funds will open the business12.5%40
- Change of ownership2.5%8
- Not answered0.6%2
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 276 | 86.3% | |
| 2 | 7a General | 39 | 12.2% | |
| 3 | International Trade Loans | 5 | 1.6% |
Franchise share
11 of 320 approvals in FY2021–FY2025 (3.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Power Petroleum, Inc. | 2 | 0.6% | |
| 2 | GPM Empire, LLC | 1 | 0.3% | |
| 3 | World Fuel Services, Inc Wholesale Supply Agreement | 1 | 0.3% | |
| 4 | Clarion Inn | 1 | 0.3% | |
| 5 | True Value Company LLC | 1 | 0.3% | |
| 6 | Long John Silver's | 1 | 0.3% | |
| 7 | Days Inn | 1 | 0.3% | |
| 8 | U.S. Lawns | 1 | 0.3% |
Questions and answers
How many SBA loans does Stone Bank make?
SBA approved 226 7(a) loans through Stone Bank in FY2025, worth $87.8M, and 320 over FY2021 to FY2025. That ranks 118th of 2,184 active 7(a) lenders by number of approvals.
How large are Stone Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $150K and the average $749K. The program-wide median was $190K.
What is Stone Bank's charge-off rate?
Of 203 disbursed loans approved in FY2010 to FY2021, SBA records 21 as charged off (10.3%), 104 as paid in full and 78 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Stone Bank lend to most?
By number of approvals in FY2021 to FY2025: automotive repair and maintenance (24); personal care services (18); management, scientific, and technical consulting services (16); general freight trucking (13).
Where does Stone Bank make SBA loans?
In 44 states and territories. Florida 73, California 35, Texas 33, New York 15, Georgia 13. In Florida it accounts for 0.3% of all 7(a) approvals.
Is Stone Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 265, against 101 in the three before: rising (+162%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error