SBA lender profile
Citizens Bank and Trust Company
Citizens Bank and Trust Company appears in the public SBA loan data with 16 funded 7(a) loans since FY2010, totaling $1.0M, an average of $66K per loan, and an estimated 149 jobs supported. Its SBA lending concentrates in Virginia and the Construction sector. With only 16 7(a) loans in the data, the sample is too small to read a charge-off rate as a track record.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
Is Citizens Bank and Trust Company the right lender for you?
Citizens Bank and Trust Company appears in the SBA record with 16 funded loans since FY2010, too few to read as a lending pattern. That is not a mark against the institution, but it does mean the record cannot tell you whether it lends to businesses like yours. Lenders with a deeper track record in your state and industry can.
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Where Citizens Bank and Trust Company lends
Top states by funded SBA volume.
What Citizens Bank and Trust Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Construction | 3 | $600K |
| Transportation and Warehousing | 10 | $243K |
| Other Services | 1 | $150K |
| Professional and Technical Services | 2 | $55K |
Citizens Bank and Trust Company SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 1 | $350K |
| 2012 | 11 | $292K |
| 2013 | 2 | $107K |
| 2015 | 2 | $300K |
Related SBA lenders
Other lenders active in Virginia or in Construction.
Comparing lenders? See how to choose an SBA lender by track record.
Citizens Bank and Trust Company: frequently asked questions
Does Citizens Bank and Trust Company offer SBA loans?
Yes. Citizens Bank and Trust Company appears in the public SBA data with 16 funded SBA 7(a) loans totaling $1.0M.
How many SBA loans has Citizens Bank and Trust Company made?
Citizens Bank and Trust Company is associated with 16 SBA 7(a) loans totaling $1.0M in the public SBA data (as of 2026-03-31).
What is Citizens Bank and Trust Company's SBA charge-off rate?
Citizens Bank and Trust Company appears with only 16 7(a) loans in the data, too few for a charge-off rate to be meaningful as a track record. The SBA Lender Score treats fewer than 20 loans as insufficient data for the same reason; see our methodology.
Where does Citizens Bank and Trust Company do most of its SBA lending?
Citizens Bank and Trust Company's SBA lending in the data is most concentrated in Virginia, and by industry in Construction.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Citizens Bank and Trust Company SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/citizens-bank-and-trust-company/
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