SBA lender profile
Citizens Bank & Trust Co
Citizens Bank & Trust Co appears in the public SBA loan data with 85 funded 7(a) loans totaling $12.5M, an average of $147K per loan, and an estimated 749 jobs supported. Its SBA lending concentrates in Minnesota and the Wholesale Trade sector. Across all of its loans in the data, its charge-off rate is 1.2%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
85
Total volume
$12.5M
Average loan size
$147K
Charge-off rate
1.2%
Share of funded loans charged off
Jobs supported (reported)
749
Programs
7(a)
Where Citizens Bank & Trust Co lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Minnesota | 85 | $12.5M |
What Citizens Bank & Trust Co funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Wholesale Trade | 2 | $1.7M |
| Management of Companies | 3 | $1.5M |
| Other Services | 5 | $1.4M |
| Real Estate | 6 | $1.2M |
| Agriculture, Forestry, Fishing | 4 | $1.2M |
| Retail Trade | 15 | $1.0M |
Citizens Bank & Trust Co SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 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 |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Citizens Bank & Trust Co's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
Looking for a lender like this?
Compare a few SBA lenders by track record, then get matched with SBA-approved lenders that fund businesses like yours.