SBA lender profile
Citizens Bank, National Association
Citizens Bank, National Association appears in the public SBA loan data with 6,051 funded 7(a) loans since FY2010, totaling $1.1B, an average of $184K per loan, and an estimated 43,963 jobs supported. Its SBA lending concentrates in Massachusetts and the Professional and Technical Services sector. Across its 7(a) loans, the charge-off rate is 2.8%. 14.3% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 75
- Scale 97
- Activity 91
- Consistency 88
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Citizens Bank, National Association the right lender for you?
Lenders fund what they know. Citizens Bank, National Association's SBA lending concentrates in Massachusetts (1,256 loans) and Professional and Technical Services (928 loans), at an average loan of $184K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $132M
- Headquarters
- Abilene, TX
- FDIC cert
- #12309
- Status
- Inactive
Where Citizens Bank, National Association lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Massachusetts | 1,256 | $238.9M |
| Pennsylvania | 1,372 | $238.2M |
| Michigan | 621 | $119.8M |
| New York | 685 | $107.0M |
| Rhode Island | 407 | $88.6M |
| Ohio | 472 | $70.4M |
Metro areas where Citizens Bank, National Association funds
What Citizens Bank, National Association funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Professional and Technical Services | 928 | $158.0M |
| Retail Trade | 768 | $149.6M |
| Manufacturing | 577 | $143.3M |
| Health Care and Social Assistance | 714 | $117.0M |
| Wholesale Trade | 411 | $99.6M |
| Construction | 581 | $88.7M |
Citizens Bank, National Association SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 581 | $40.9M |
| 2011 | 671 | $74.3M |
| 2012 | 457 | $45.2M |
| 2013 | 105 | $14.7M |
| 2014 | 413 | $49.5M |
| 2015 | 666 | $93.3M |
| 2016 | 932 | $124.3M |
| 2017 | 842 | $112.1M |
| 2018 | 607 | $106.1M |
| 2019 | 225 | $73.5M |
| 2020 | 116 | $62.0M |
| 2021 | 80 | $76.6M |
| 2022 | 70 | $52.2M |
| 2023 | 81 | $63.9M |
| 2024 | 72 | $33.2M |
| 2025 | 110 | $64.8M |
| 2026 | 23 | $25.2M |
Related SBA lenders
Other lenders active in Massachusetts or in Professional and Technical Services.
Comparing lenders? See how to choose an SBA lender by track record.
Citizens Bank, National Association: frequently asked questions
Does Citizens Bank, National Association offer SBA loans?
Yes. Citizens Bank, National Association appears in the public SBA data with 6,051 funded SBA 7(a) loans totaling $1.1B.
How many SBA loans has Citizens Bank, National Association made?
Citizens Bank, National Association is associated with 6,051 SBA 7(a) loans totaling $1.1B in the public SBA data (as of 2026-03-31).
What is Citizens Bank, National Association's SBA charge-off rate?
About 2.8% of Citizens Bank, National Association's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Citizens Bank, National Association do most of its SBA lending?
Citizens Bank, National Association's SBA lending in the data is most concentrated in Massachusetts, and by industry in Professional and Technical Services.
Is Citizens Bank, National Association an SBA Preferred Lender (PLP)?
The loan record shows Citizens Bank, National Association operating under PLP delegated authority: 865 of its 7(a) loans (14.3%) were processed through the Preferred Lenders Program, including 99 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
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, National Association SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/citizens-bank-national-association/
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