Founded in 1995, Ridgestone Bank offers a range of personal and commercial banking services. It provides money market, checking and savings accounts, as well as certificates of deposit. The bank offers real estate loans for the purchase, construction and refinancing of commercial, industrial, office, retail and mixed-use properties. Ridgestone Bank provides small business administration (SBA) loans to provide financing for the purchase of furniture and fixtures, additional inventory, and machinery and equipment. It offers commercial transportation lending products for owner-operators and small trucking companies. The bank also provides a variety of services, including lockbox, automated clearing house (ACH) and wire transfer, as well as zero balance accounts and merchant and corporate credit cards.