SBA lender profile
Citizens Bank & Trust
Citizens Bank & Trust appears in the public SBA loan data with 17 funded 7(a) loans since FY2010, totaling $13.6M, an average of $801K per loan, and an estimated 284 jobs supported. Its SBA lending concentrates in Alabama and the Accommodation and Food Services sector. With only 17 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 & Trust the right lender for you?
Citizens Bank & Trust appears in the SBA record with 17 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.
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
- $111M
- Headquarters
- Rock Port, MO
- FDIC cert
- #14293
- Status
- Active
Where Citizens Bank & Trust lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Alabama | 17 | $13.6M |
Metro areas where Citizens Bank & Trust funds
What Citizens Bank & Trust funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 4 | $6.3M |
| Retail Trade | 6 | $4.1M |
| Other Services | 2 | $1.4M |
| Health Care and Social Assistance | 1 | $737K |
| Arts, Entertainment, Recreation | 1 | $716K |
| Administrative and Support | 3 | $349K |
Citizens Bank & Trust SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2011 | 1 | $445K |
| 2012 | 3 | $463K |
| 2013 | 1 | $125K |
| 2016 | 2 | $2.0M |
| 2019 | 2 | $1.2M |
| 2020 | 5 | $3.5M |
| 2021 | 1 | $2.3M |
| 2022 | 1 | $2.9M |
| 2024 | 1 | $716K |
Related SBA lenders
Other lenders active in Alabama or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Citizens Bank & Trust: frequently asked questions
Does Citizens Bank & Trust offer SBA loans?
Yes. Citizens Bank & Trust appears in the public SBA data with 17 funded SBA 7(a) loans totaling $13.6M.
How many SBA loans has Citizens Bank & Trust made?
Citizens Bank & Trust is associated with 17 SBA 7(a) loans totaling $13.6M in the public SBA data (as of 2026-03-31).
What is Citizens Bank & Trust's SBA charge-off rate?
Citizens Bank & Trust appears with only 17 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 & Trust do most of its SBA lending?
Citizens Bank & Trust's SBA lending in the data is most concentrated in Alabama, and by industry in Accommodation and Food Services.
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 SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/citizens-bank-trust/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
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