SBA lender · 7(a) program
Citizens & Northern Bank
Citizens & Northern Bank has approved 440 SBA loans worth $173.7M since FY2010 - the #391 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#391
0.03% of all SBA dollars
Total approved
$173.7M
FY2010 onward
Loans
440
Median loan
$142,450
-21% vs national
Median rate
6.00%
-0.75 pts vs national
Charge-off rate
8.1%
347 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Citizens & Northern Bank’s numbers say
Citizens & Northern Bank sits in the long tail of the SBA lending field, having approved 440 loans for a gross total of $173.7M since fiscal 2010. Its median loan of $142,450 is close to the $180,000 national median.
The median initial note rate across its 7(a) approvals is 6.00%, 0.75 points below the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 8.1% were charged off, 0.5 points above the national figure of 7.6%. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 3% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally - a book weighted toward established operators.
Where Citizens & Northern Bank lends
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 384 | |
| New Jersey | 28 | |
| New York | 23 | |
| California | 2 | |
| Maryland | 2 | |
| Delaware | 1 |
What it lends against
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about Citizens & Northern Bank
- How many SBA loans has Citizens & Northern Bank approved?
- Citizens & Northern Bank has approved 440 SBA loans totalling $173,723,000 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #391 among all SBA lenders by dollars approved.
- What is the typical Citizens & Northern Bank SBA loan size?
- The median gross approval is $142,450, with the middle 80% of loans falling between $31,600 and $1,020,000. The national median across all SBA lenders is $180,000.
- What interest rate does Citizens & Northern Bank charge on SBA 7(a) loans?
- The median initial note rate on Citizens & Northern Bank's 7(a) approvals is 6.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is Citizens & Northern Bank's SBA loan charge-off rate?
- 8.1% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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