SBA lender profile
The Citizens Bank
The Citizens Bank appears in the public SBA loan data with 67 funded 7(a) loans since FY2010, totaling $37.7M, an average of $563K per loan, and an estimated 852 jobs supported. Its SBA lending concentrates in South Carolina and the Retail Trade sector. Across its 7(a) loans, the charge-off rate is 4.5%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 65
- Scale 45
- Activity 19
- Consistency 73
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is The Citizens Bank the right lender for you?
Lenders fund what they know. The Citizens Bank's SBA lending concentrates in South Carolina (14 loans) and Retail Trade (16 loans), at an average loan of $563K. 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
- $119M
- Headquarters
- Fort Valley, GA
- FDIC cert
- #10066
- Status
- Inactive
Where The Citizens Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| South Carolina | 14 | $20.3M |
| Arkansas | 40 | $10.4M |
| Georgia | 1 | $3.2M |
| Kentucky | 8 | $2.2M |
| Tennessee | 1 | $1.2M |
| New Mexico | 2 | $405K |
Metro areas where The Citizens Bank funds
What The Citizens Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 16 | $8.5M |
| Accommodation and Food Services | 14 | $7.8M |
| Arts, Entertainment, Recreation | 3 | $7.4M |
| Transportation and Warehousing | 4 | $3.7M |
| Agriculture, Forestry, Fishing | 6 | $2.5M |
| Health Care and Social Assistance | 5 | $1.6M |
The Citizens Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 5 | $1.2M |
| 2011 | 5 | $2.3M |
| 2012 | 2 | $215K |
| 2013 | 4 | $805K |
| 2014 | 2 | $3.7M |
| 2015 | 4 | $5.0M |
| 2016 | 5 | $2.7M |
| 2017 | 9 | $6.0M |
| 2018 | 2 | $762K |
| 2019 | 11 | $4.1M |
| 2020 | 4 | $5.0M |
| 2021 | 9 | $3.8M |
| 2022 | 4 | $1.6M |
| 2025 | 1 | $500K |
Related SBA lenders
Other lenders active in South Carolina or in Retail Trade.
Comparing lenders? See how to choose an SBA lender by track record.
The Citizens Bank: frequently asked questions
Does The Citizens Bank offer SBA loans?
Yes. The Citizens Bank appears in the public SBA data with 67 funded SBA 7(a) loans totaling $37.7M.
How many SBA loans has The Citizens Bank made?
The Citizens Bank is associated with 67 SBA 7(a) loans totaling $37.7M in the public SBA data (as of 2026-03-31).
What is The Citizens Bank's SBA charge-off rate?
About 4.5% of The 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 The Citizens Bank do most of its SBA lending?
The Citizens Bank's SBA lending in the data is most concentrated in South Carolina, 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). The Citizens Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/the-citizens-bank/
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