SBA lender profile
Citizens Bank & Trust Co
Citizens Bank & Trust Co appears in the public SBA loan data with 184 funded 7(a) loans since FY2010, totaling $23.4M, an average of $127K per loan, and an estimated 1,457 jobs supported. Its SBA lending concentrates in Minnesota and the Retail Trade sector. Across its 7(a) loans, the charge-off rate is 1.1%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 83
- Scale 51
- Activity 44
- Consistency 83
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Citizens Bank & Trust Co the right lender for you?
Lenders fund what they know. Citizens Bank & Trust Co's SBA lending concentrates in Minnesota (184 loans) and Retail Trade (29 loans), at an average loan of $127K. 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.
Where Citizens Bank & Trust Co lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Minnesota | 184 | $23.4M |
Metro areas where Citizens Bank & Trust Co funds
What Citizens Bank & Trust Co funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 29 | $3.2M |
| Manufacturing | 28 | $2.7M |
| Accommodation and Food Services | 21 | $2.6M |
| Construction | 26 | $2.4M |
| Wholesale Trade | 3 | $2.0M |
| Other Services | 11 | $1.8M |
Citizens Bank & Trust Co SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 13 | $1.7M |
| 2011 | 11 | $2.2M |
| 2012 | 16 | $696K |
| 2013 | 4 | $436K |
| 2014 | 10 | $527K |
| 2015 | 10 | $1.1M |
| 2016 | 11 | $905K |
| 2017 | 9 | $1.5M |
| 2018 | 8 | $740K |
| 2019 | 7 | $1.1M |
| 2020 | 15 | $1.7M |
| 2021 | 27 | $4.6M |
| 2022 | 10 | $1.7M |
| 2023 | 10 | $2.9M |
| 2024 | 8 | $952K |
| 2025 | 13 | $557K |
| 2026 | 2 | $42K |
Related SBA lenders
Other lenders active in Minnesota or in Retail Trade.
Comparing lenders? See how to choose an SBA lender by track record.
Citizens Bank & Trust Co: frequently asked questions
Does Citizens Bank & Trust Co offer SBA loans?
Yes. Citizens Bank & Trust Co appears in the public SBA data with 184 funded SBA 7(a) loans totaling $23.4M.
How many SBA loans has Citizens Bank & Trust Co made?
Citizens Bank & Trust Co is associated with 184 SBA 7(a) loans totaling $23.4M in the public SBA data (as of 2026-03-31).
What is Citizens Bank & Trust Co's SBA charge-off rate?
About 1.1% of Citizens Bank & Trust Co'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 & Trust Co do most of its SBA lending?
Citizens Bank & Trust Co's SBA lending in the data is most concentrated in Minnesota, and by industry in Retail Trade.
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 & Trust Co SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/citizens-bank-trust-co/
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