SBA lender profile
Citizens National Bank of Texas
Citizens National Bank of Texas appears in the public SBA loan data with 72 funded 7(a) loans since FY2010, totaling $26.3M, an average of $365K per loan, and an estimated 1,246 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 1.4%. 9.7% 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 77
- Scale 40
- Activity 40
- Consistency 77
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Citizens National Bank of Texas the right lender for you?
Lenders fund what they know. Citizens National Bank of Texas's SBA lending concentrates in Texas (72 loans) and Accommodation and Food Services (15 loans), at an average loan of $365K. 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
- $499M
- Headquarters
- Bellaire, TX
- FDIC cert
- #24760
- Status
- Inactive
Where Citizens National Bank of Texas lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Texas | 72 | $26.3M |
What Citizens National Bank of Texas funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 15 | $6.0M |
| Other Services | 9 | $4.6M |
| Retail Trade | 10 | $4.4M |
| Manufacturing | 10 | $2.9M |
| Arts, Entertainment, Recreation | 3 | $2.3M |
| Administrative and Support | 4 | $1.7M |
Citizens National Bank of Texas SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 10 | $5.0M |
| 2011 | 8 | $1.9M |
| 2012 | 4 | $488K |
| 2013 | 4 | $615K |
| 2014 | 4 | $630K |
| 2015 | 11 | $2.5M |
| 2016 | 7 | $3.3M |
| 2017 | 4 | $1.6M |
| 2018 | 3 | $1.1M |
| 2019 | 5 | $1.1M |
| 2020 | 5 | $2.5M |
| 2021 | 4 | $1.9M |
| 2023 | 1 | $300K |
| 2024 | 1 | $1.2M |
| 2025 | 1 | $2.0M |
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 National Bank of Texas: frequently asked questions
Does Citizens National Bank of Texas offer SBA loans?
Yes. Citizens National Bank of Texas appears in the public SBA data with 72 funded SBA 7(a) loans totaling $26.3M.
How many SBA loans has Citizens National Bank of Texas made?
Citizens National Bank of Texas is associated with 72 SBA 7(a) loans totaling $26.3M in the public SBA data (as of 2026-03-31).
What is Citizens National Bank of Texas's SBA charge-off rate?
About 1.4% of Citizens National Bank of Texas'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 National Bank of Texas do most of its SBA lending?
Citizens National Bank of Texas's SBA lending in the data is most concentrated in Texas, and by industry in Accommodation and Food Services.
Is Citizens National Bank of Texas an SBA Preferred Lender (PLP)?
The loan record shows Citizens National Bank of Texas operating under PLP delegated authority: 7 of its 7(a) loans (9.7%) were processed through the Preferred Lenders Program. 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 National Bank of Texas SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/citizens-national-bank-of-texas/
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