SBA lender · 7(a) program
Citizens Bank & Trust Company
Citizens Bank & Trust Company has approved 38 SBA loans worth $11.8M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
-
<0.01% of all SBA dollars
Total approved
$11.8M
FY2010 onward
Loans
38
Median loan
$104,150
-42% vs national
Median rate
6.00%
-0.75 pts vs national
Charge-off rate
-
Cohort too small
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 Company’s numbers say
Citizens Bank & Trust Company sits in the long tail of the SBA lending field, having approved 38 loans for a gross total of $11.8M since fiscal 2010. Its median loan of $104,150 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 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.
Roughly 9% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally.
Where Citizens Bank & Trust Company lends
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 Bank & Trust Company
- How many SBA loans has Citizens Bank & Trust Company approved?
- Citizens Bank & Trust Company has approved 38 SBA loans totalling $11,801,100 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 Company SBA loan size?
- The median gross approval is $104,150, with the middle 80% of loans falling between $15,000 and $500,000. The national median across all SBA lenders is $180,000.
- What interest rate does Citizens Bank & Trust Company charge on SBA 7(a) loans?
- The median initial note rate on Citizens Bank & Trust Company'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.
Where to go from here
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