SBA lender · 7(a) program
Citizens Bank & Trust Co
Citizens Bank & Trust Co has approved 188 SBA loans worth $25.1M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
-
<0.01% of all SBA dollars
Total approved
$25.1M
FY2010 onward
Loans
188
Median loan
$65,000
-64% vs national
Median rate
5.75%
-1.00 pts vs national
Charge-off rate
2.2%
90 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 Bank & Trust Co’s numbers say
Citizens Bank & Trust Co sits in the long tail of the SBA lending field, having approved 188 loans for a gross total of $25.1M since fiscal 2010. Its median loan of $65,000 is well below the $180,000 national median, typical of a lender leaning on SBA Express and smaller working-capital facilities.
The median initial note rate across its 7(a) approvals is 5.75%, 1.00 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, 2.2% were charged off, 5.3 points below 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 12% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally.
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 Bank & Trust Co
- How many SBA loans has Citizens Bank & Trust Co approved?
- Citizens Bank & Trust Co has approved 188 SBA loans totalling $25,061,700 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical Citizens Bank & Trust Co SBA loan size?
- The median gross approval is $65,000, with the middle 80% of loans falling between $20,000 and $324,600. The national median across all SBA lenders is $180,000.
- What interest rate does Citizens Bank & Trust Co charge on SBA 7(a) loans?
- The median initial note rate on Citizens Bank & Trust Co's 7(a) approvals is 5.75%, 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 Bank & Trust Co's SBA loan charge-off rate?
- 2.2% 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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