Stone Bank
Stone Bank is an Arkansas-based community bank and SBA Preferred Lender that specializes in SBA, USDA, and FSA government-guaranteed loans for small businesses, farmers, and rural communities across 13 states, while offering full consumer and business banking services through six Arkansas branches and digital channels.
- Company typePrivate
- Founded2015
- HeadquartersLittle Rock, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Stone Bank does
Stone Bank is an Arkansas-based community bank (Member FDIC, SBA Preferred Lender) that has evolved from its predecessor DeWitt Bank and Trust into a specialized lender focused on government-guaranteed loan programs. Its core competency is origination of SBA, USDA, and FSA loans — the bank ranks as a Top 100 SBA Lender, Top 5 USDA Lender, and consistently Top 10 FSA Lender nationally among similarly sized institutions. It serves small and medium-sized businesses, farmers and agricultural operations, rural communities (populations of 50,000 or fewer), and individual consumers across Arkansas and, for government-guaranteed lending, 13 states from Vermont to Texas. Customer case studies span agriculture (poultry, row crop), hospitality (boutique hotels, restaurant groups), healthcare (rural hospitals), automotive, and retail, with disclosed deal sizes ranging from $1M to $13.5M.
The product surface combines a full consumer banking suite (multiple checking tiers including Ruby Rewards and a senior/military-friendly lineup, savings, CDs at 3.65-4.05% APY, IRAs, home loans) with a business banking suite (Quartz Free Business Checking, SBA/USDA/FSA loan programs, commercial loans, Emerald treasury management with merchant services, ACH/payroll, remote deposit capture, and positive pay). Technology is delivered through a six-branch Arkansas retail network (Little Rock headquarters, White Hall, Harrison, Mountain View, DeWitt, Gillett) supplemented by Interactive Teller Machines, an iOS/Android mobile app with mobile deposit, an online banking portal (my.stonebank.com), an online Switch Kit for account migration, and a Finicity-powered personal financial management tool called My Money Map.
Revenue is generated primarily through net interest income on the loan and deposit portfolio (commercial, agricultural, mortgage, government-guaranteed) plus fee income from account services, loan origination, merchant services, and treasury management. The bank demonstrated 143% asset growth over a four-year period ending 2021, with net earnings rising from $3.5M in 2020 to $8.8M in 2021. GTM combines physical relationship banking, enterprise field sales (senior officers travel nationally to meet borrowers), direct-to-consumer digital channels, and a specialized SBA/USDA/FSA lending operation that operates as a quasi-national distribution platform distinct from the Arkansas retail footprint.
Stone Bank firmographics
Firmographics- Name
- Stone Bank
- Legal name
- Stone Bank
- Website
- https://stonebank.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Stone Bank is an Arkansas-based community bank and SBA Preferred Lender that specializes in SBA, USDA, and FSA government-guaranteed loans for small businesses, farmers, and rural communities across 13 states, while offering full consumer and business banking services through six Arkansas branches and digital channels.
- Ownership category
- akta.pro rank
Stone Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110)
- SIC
- State Commercial Banks (6022), National Commercial Banks (6021)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Structured Deposits (Capital-Protected / Market-Linked Deposits) (FSACAMAM), Credit Cards & Revolving Credit (FSABAAAC)
Keywords
Where Stone Bank is headquartered
LocationHeadquarters
- HQ city
- Little Rock
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Stone Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income - Loans: Primary revenue stream from interest earned on loan portfolio including commercial loans, agricultural loans, home mortgages, personal loans, and government-guaranteed loans (SBA, USDA, FSA).
- Interest Income - Deposits: Interest earned on deposit accounts including checking, savings, money market, and certificates of deposit.
- Fee Income: Various fee income streams including account maintenance fees, transaction fees, loan origination fees, overdraft fees, ATM fees, and service charges.
- Business Banking Services: Fee income from business banking services including merchant services, treasury management, payroll services, and business credit cards.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | 5-Month CD at 4.05% APY |
| Subscription | Multi-year contract | 13-Month CD at 3.65% APY |
| Subscription | Monthly | Quartz Free Business Checking - No fees |
| Subscription | Monthly | Granite Free Checking - $100 opening deposit |
| Subscription | Monthly | Rock of Ages Gold Checking - For seniors 62+ |
| Subscription | Monthly | Tribute Checking - For military and first responders |
| Subscription | Monthly | Crystal Interest Checking - $1000 opening deposit |
| Subscription | Monthly | Boulder Money Market - $2,500 minimum |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
Stone Bank product offering
Product offeringCore offering
Stone Bank is a community bank providing consumer deposit products (checking, savings, money market, CDs, IRAs), home mortgages, and personal loans, alongside commercial and government-guaranteed business loans (SBA, USDA, FSA). It distributes these products through five Arkansas branches, a digital banking platform, a mobile app, and the Emerald treasury management platform for businesses, while specializing in lending to small businesses, farmers, and rural communities nationwide.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
- Ruby Rewards Checking
- Quartz Free Business Checking
- Boulder Money Market Account
- Certificates of Deposit (CDs)
- SBA Loans
- USDA Business Loans
- FSA Agricultural Loans
- Commercial Loans
- Home Mortgage Loans
- Personal Loans
- Stone Bank Mobile Banking App
- Stone Bank Online Banking
- Emerald Treasury Management Platform
- My Money Map Personal Financial Management Tool
- Trust Services
- Online Switch Kit
Quantifiable outcome
- Top 100 SBA Lender nationally
- +5 more outcomes
Companies that use Stone Bank
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles5 records
Stone Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Stone Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Entegrity Energy PartnersminorEntegrity Energy Partners built the 219-kW solar installation at Stone Bank's White Hall location. The solar array produces enough energy to cover approximately 79% of the bank's electricity usage at five branches (White Hall, Mountain View, Harrison, DeWitt, and Gillett).
Scale indicators10 records
Recent moves7 records
Expansion highlights6 records
Stone Bank competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Stone Bank social profiles
Digital presenceStone Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stone Bank leadership team
Management profileNumber of profiles
Profiles17 records
Stone Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stone Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stone Bank
What does Stone Bank do?
Stone Bank is a community bank providing consumer deposit products (checking, savings, money market, CDs, IRAs), home mortgages, and personal loans, alongside commercial and government-guaranteed business loans (SBA, USDA, FSA). It distributes these products through five Arkansas branches, a digital banking platform, a mobile app, and the Emerald treasury management platform for businesses, while specializing in lending to small businesses, farmers, and rural communities nationwide.
Is Stone Bank a public or private company?
Stone Bank is a private company. It is classified as management employee owned and is currently operating.
When was Stone Bank founded?
Stone Bank was founded in 2015. It employs 1 to 10 people.
Where is Stone Bank based?
Stone Bank is headquartered in Little Rock, United States, in the North America region.
How does Stone Bank make money?
Four revenue lines are on record. Interest Income - Loans are the primary driver. The others are interest Income - Deposits, fee Income and business Banking Services.
Does Stone Bank have an API?
No public API is recorded for Stone Bank.
What industry is Stone Bank in?
Stone Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.