SBA lender profile
United Citizens Bank & Trust Company
United Citizens Bank & Trust Company appears in the public SBA loan data with 23 funded 7(a) loans since FY2010, totaling $2.0M, an average of $88K per loan, and an estimated 139 jobs supported. Its SBA lending concentrates in Kentucky and the Retail Trade sector. Across its 7(a) loans, the charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 75
- Scale 1
- Activity 0
- Consistency 46
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is United Citizens Bank & Trust Company the right lender for you?
Lenders fund what they know. United Citizens Bank & Trust Company's SBA lending concentrates in Kentucky (23 loans) and Retail Trade (9 loans), at an average loan of $88K. 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.
Where United Citizens Bank & Trust Company lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Kentucky | 23 | $2.0M |
What United Citizens Bank & Trust Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 9 | $865K |
| Construction | 4 | $509K |
| Real Estate | 1 | $368K |
| Transportation and Warehousing | 2 | $90K |
| Wholesale Trade | 1 | $55K |
| Arts, Entertainment, Recreation | 1 | $50K |
United Citizens Bank & Trust Company SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 3 | $763K |
| 2011 | 6 | $384K |
| 2012 | 4 | $260K |
| 2013 | 5 | $184K |
| 2014 | 3 | $250K |
| 2016 | 2 | $180K |
Related SBA lenders
Other lenders active in Kentucky or in Retail Trade.
Comparing lenders? See how to choose an SBA lender by track record.
United Citizens Bank & Trust Company: frequently asked questions
Does United Citizens Bank & Trust Company offer SBA loans?
Yes. United Citizens Bank & Trust Company appears in the public SBA data with 23 funded SBA 7(a) loans totaling $2.0M.
How many SBA loans has United Citizens Bank & Trust Company made?
United Citizens Bank & Trust Company is associated with 23 SBA 7(a) loans totaling $2.0M in the public SBA data (as of 2026-03-31).
What is United Citizens Bank & Trust Company's SBA charge-off rate?
About 0.0% of United Citizens Bank & Trust Company'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 United Citizens Bank & Trust Company do most of its SBA lending?
United Citizens Bank & Trust Company's SBA lending in the data is most concentrated in Kentucky, 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). United Citizens Bank & Trust Company SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/united-citizens-bank-trust-company/
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