SBA lender profile
Citizens Bank
Citizens Bank appears in the public SBA loan data with 2,281 funded 7(a) loans since FY2010, totaling $1.7B, an average of $756K per loan, and an estimated 31,648 jobs supported. Its SBA lending concentrates in Texas and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 2.8%. 88.9% 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 96
- Activity 98
- Consistency 82
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Citizens Bank the right lender for you?
Lenders fund what they know. Citizens Bank's SBA lending concentrates in Texas (307 loans) and Accommodation and Food Services (541 loans), at an average loan of $756K. 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
- $121M
- Headquarters
- Hartford, KY
- FDIC cert
- #1051
- Status
- Inactive
Where Citizens Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Texas | 307 | $272.2M |
| Georgia | 217 | $191.7M |
| North Carolina | 169 | $175.6M |
| Florida | 230 | $157.7M |
| California | 189 | $115.7M |
| Tennessee | 96 | $73.8M |
Metro areas where Citizens Bank funds
What Citizens Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 541 | $452.8M |
| Retail Trade | 399 | $369.2M |
| Health Care and Social Assistance | 317 | $226.0M |
| Other Services | 275 | $207.9M |
| Arts, Entertainment, Recreation | 242 | $155.9M |
| Administrative and Support | 116 | $55.3M |
Citizens Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 5 | $1.6M |
| 2011 | 8 | $12.4M |
| 2012 | 8 | $7.0M |
| 2013 | 21 | $19.7M |
| 2014 | 14 | $10.0M |
| 2015 | 11 | $3.2M |
| 2016 | 101 | $85.8M |
| 2017 | 104 | $99.3M |
| 2018 | 151 | $113.5M |
| 2019 | 171 | $134.1M |
| 2020 | 201 | $168.1M |
| 2021 | 356 | $266.3M |
| 2022 | 217 | $137.1M |
| 2023 | 214 | $157.4M |
| 2024 | 265 | $173.7M |
| 2025 | 307 | $217.2M |
| 2026 | 127 | $117.0M |
Related SBA lenders
Other lenders active in Texas or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Citizens Bank: frequently asked questions
Does Citizens Bank offer SBA loans?
Yes. Citizens Bank appears in the public SBA data with 2,281 funded SBA 7(a) loans totaling $1.7B.
How many SBA loans has Citizens Bank made?
Citizens Bank is associated with 2,281 SBA 7(a) loans totaling $1.7B in the public SBA data (as of 2026-03-31).
What is Citizens Bank's SBA charge-off rate?
About 2.8% of Citizens Bank'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 do most of its SBA lending?
Citizens Bank's SBA lending in the data is most concentrated in Texas, and by industry in Accommodation and Food Services.
Is Citizens Bank an SBA Preferred Lender (PLP)?
The loan record shows Citizens Bank operating under PLP delegated authority: 2,028 of its 7(a) loans (88.9%) were processed through the Preferred Lenders Program, including 664 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 SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/citizens-bank/
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