Stone Bank: SBA Lending Record

Stone Bank: SBA record

747 loans for FY2017 to FY2026 stand against Stone Bank. At Stone Bank, gross dollars approved come to $542.3 million. The Stone Bank book of 747 is SBA 7(a) business, with Stone Bank at 0 SBA 504 loans. Stone Bank lists Arkansas as its state. Stone Bank holds 747 loans now or at last record. For Stone Bank, SBA guarantees 747. Earlier holders of the 747 do not show. Who first financed a Stone Bank loan is not shown, nor how Stone Bank judges a request.

Stone Bank: class mix

The class view leaves 557 of 747 unplaced at Stone Bank. Stone Bank: car wash at 26, gas station and truck stop at 24, then hotel and motel at 15. Next at Stone Bank: automotive mechanical repair at 15, then limited-service restaurant at 13, next child care center at 13. Further at Stone Bank: full-service restaurant at 12, fitness center at 11, then assisted living at 10. Last at Stone Bank: rv park and campground at 9; medical office at 7, beauty salon at 7. 557 unplaced loans lead the Stone Bank table, so Stone Bank covers under half of 747 in a class comparison.

Stone Bank by state

By state, Florida leads Stone Bank with 183 loans, then California with 68 and Texas with 65. The Stone Bank table continues through New York at 44, Arkansas at 40, Louisiana at 23, Colorado at 22, Georgia at 22, Pennsylvania at 20 and Virginia at 20, then smaller counts. For Stone Bank, home state Arkansas shows 40 loans. Use the Stone Bank spread to see how far 747 holdings extend past Arkansas.

Stone Bank: cancellations

Stone Bank cancellation floor, FY2017 to FY2024: 14.1% of 747 approvals. Our own rule withholds the Stone Bank ceiling. Stone Bank's cohorts are too small. Of Stone Bank's 195 FY2017 to FY2021 disbursements, at least 9.2% stand charged off to date; 5.1% stood so inside five years of approval. 9.2% at Stone Bank is a floor. Open Stone Bank loans can still be charged off.

Stone Bank: reading the record

Stone Bank offers borrowers facts about holdings, and 747 loans are those facts. Stone Bank has another: the 14.1% floor. At Stone Bank, neither fact predicts a decision. A Stone Bank project stands on own numbers. The Stone Bank study should pick out the 747 loans that resemble it. For Stone Bank, it should flag the differences. Stone Bank reads the project against 747 loans. A cancellation floor of 14.1% at Stone Bank describes the past, not the future.

Stone Bank: the study

With Stone Bank in view, 747 loans frame the study, not the Stone Bank decision. For car wash, Stone Bank has 26 loans, the nearest comparison. Stone Bank: the study tests volume per bay. Stone Bank needs equipment cost tested too. Show Stone Bank coverage in a slow year too. Stone Bank needs an appraisal that supports it. Stone Bank offers just 557 unplaced loans for an unnamed type. Stone Bank's study makes the case. Stone Bank holds 183 loans in Florida. Elsewhere, Stone Bank holdings need a reason. The Stone Bank floor of 14.1% is a warning. The Stone Bank study should allow for delay.