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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 25% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally.
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
Franchise brands Citizens & Northern Bank financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Servpro | 10 | $4.2M | |
| Burger King | 7 | $5.5M | |
| Saladworks | 2 | $285K | |
| Aamco Transmissions | 2 | $1.5M | |
| The Goddard School | 1 | $2.6M | |
| Smoothie King | 1 | $200K | |
| Wireless Zone | 1 | $135K | |
| Subway | 1 | $60K |
Brands with the most Citizens & Northern Bank SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Citizens & Northern Bank made 284 of these loans under the SBA Express programme, median $88,500. Compare SBA Express lenders.
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.
A different SBA 7(a) lender
SmartBiz is a separate company from Citizens & Northern Bank. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
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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