Citizens Bank: SBA Lending Activity & Industry Focus
Based on historical SBA 7(a) lending data.
Total Approvals
340
by Citizens Bank
Total Volume
$237,288,300
approved amount
Median Loan Size
$472,350
per approval
Recent Activity
20
last 90 days through Dec 2025
Citizens Bank is a national lender active across 37 states lending across 39 different industries. With 340 SBA 7(a) approvals and a typical loan size of $472,350, their lending data provides a detailed picture of where and how they deploy SBA capital.
What you should know
Key insights derived from Citizens Bank's SBA 7(a) lending history
Sweet spot: $350K–$1M loans
56% of Citizens Bank's SBA loans fall in the $350K–$1M range. Their typical loan (median) is $475,000, with the middle 50% of loans between $326,000 and $675,000. If your loan request is in this range, you may see a faster, smoother process.
Declining SBA activity
Citizens Bank's SBA lending has slowed recently — 26 approvals in the last 6 months vs. 45 in the prior period (-42%). This could reflect tighter credit standards, strategic shifts, or seasonal variation.
Active SBA participant
Citizens Bank has 340 SBA 7(a) approvals on record. While not among the highest-volume lenders, they maintain an active SBA program. Response times and processing experience may vary.
Nationwide reach (37 states)
Citizens Bank has funded SBA loans in 37 states, giving them broad geographic coverage. Their highest concentration is in Florida (12% of loans). National lenders typically accept applications from anywhere in the U.S.
Diversified: 39 industries served
Citizens Bank lends across 39 different industry sectors with no single industry dominating. This broad experience means they can likely evaluate most business types, though they may not have deep expertise in any specific niche.
Lending trends for Citizens Bank
Loan size distribution
Based on 357 SBA 7(a) approvals
Summary
Median (50th percentile)
$475,000
25th percentile
$326,000
75th percentile
$675,000
Average
$684,420
Typical range
States served
State-by-state lending activity
| # | State | Approvals |
|---|---|---|
| 1 | Florida | 40 |
| 2 | Texas | 39 |
| 3 | North Carolina | 28 |
| 4 | California | 27 |
| 5 | Georgia | 25 |
| 6 | Colorado | 14 |
| 7 | Arizona | 12 |
| 8 | Wisconsin | 12 |
| 9 | Utah | 11 |
| 10 | South Carolina | 11 |
| 11 | Louisiana | 11 |
| 12 | Illinois | 11 |
| 13 | Washington | 10 |
| 14 | Virginia | 10 |
| 15 | Michigan | 9 |
| 16 | Tennessee | 9 |
| 17 | New York | 8 |
| 18 | New Jersey | 7 |
| 19 | Indiana | 7 |
| 20 | Ohio | 6 |
| 21 | Missouri | 6 |
| 22 | Maryland | 4 |
| 23 | Nevada | 4 |
| 24 | Oregon | 3 |
| 25 | Idaho | 2 |
Citizens Bank by industry
Industry focus
Recent SBA 7(a) approvals by Citizens Bank
| Month | Borrower | Location | Industry | Amount |
|---|---|---|---|---|
| 2025-12 | ADW*****LLC | AUGUSTA, GA | Snack and Nonalcoholic Beverage Bars | $613,000 |
| 2025-11 | RTR*****LLC | HAPEVILLE, GA | Snack and Nonalcoholic Beverage Bars | $396,200 |
| 2025-11 | Mas*****LLC | YUMA, AZ | Offices of All Other Miscellaneous Health Practitioners | $253,000 |
| 2025-11 | RBP*****LLC | DURHAM, NC | Private Mail Centers | $339,300 |
| 2025-11 | ZUB****ORP | GARLAND, TX | Soap and Other Detergent Manufacturing | $2,719,400 |
| 2025-11 | 528*****LLC | BROOMFIELD, CO | Barber Shops | $800,700 |
| 2025-08 | Hou*****nc. | WARRENTON, OR | Other Services to Buildings and Dwellings | $423,500 |
| 2025-08 | The*****LLC | HEBER CITY, UT | — | $350,000 |
| 2025-08 | BON*****LLC | CINCINNATI, OH | Fitness and Recreational Sports Centers | $426,000 |
| 2025-08 | San*****Inc | CANYON COUNTRY, CA | Nursing Care Facilities | $291,200 |
| 2025-08 | New***** Co | MORTON GROVE, IL | General Automotive Repair | $1,780,800 |
| 2025-08 | Shr*****LLC | RINCON, GA | Limited-Service Restaurants | $656,600 |
| 2025-08 | N. *****LLC | JACKSONVILLE, FL | Coin-Operated Laundries and Drycleaners | $1,201,500 |
| 2025-08 | MAC*****ORP | PASADENA, TX | Sporting and Recreational Goods and Supplies Merchant Wholesalers | $869,000 |
| 2025-08 | TAY*****NC. | DELRAY BEACH, FL | Snack and Nonalcoholic Beverage Bars | $606,000 |
| 2025-08 | Dor*****LLC | DAYTON, OH | — | $481,400 |
| 2025-07 | Par*****LLC | KAMAS, UT | Pet Care (except Veterinary) Services | $1,059,000 |
| 2025-06 | Tre*****LLC | BOGART, GA | Fitness and Recreational Sports Centers | $427,900 |
| 2025-06 | Pea*****Inc | SPOKANE, WA | Limited-Service Restaurants | $500,000 |
| 2025-06 | AGA*****LLC | Salt Lake City, UT | Roofing Contractors | $3,774,600 |
| 2025-05 | CRE*****NC. | WESTLAKE VILLAGE, CA | All Other Professional, Scientific, and Technical Services | $1,177,000 |
| 2025-05 | J2G*****LLC | SAINT JOHNS, FL | Fitness and Recreational Sports Centers | $431,000 |
| 2025-05 | Vic*****LLC | CLEARWATER, FL | Sign Manufacturing | $450,200 |
| 2025-05 | Rea*****LLC | PORTLAND, OR | Other Services to Buildings and Dwellings | $500,000 |
| 2025-05 | Coo*****.C. | HICKORY, NC | Snack and Nonalcoholic Beverage Bars | $500,000 |
| 2025-05 | Gal*****LLC | VIRGINIA BEACH, VA | Electrical Contractors | $298,000 |
| 2025-04 | HKP*****LLC | BOISE, ID | Fitness and Recreational Sports Centers | $603,200 |
| 2025-04 | Bri*****LLC | Mequon, WI | Child Day Care Services | $400,000 |
| 2025-03 | G G*****LLC | FAIRLAWN, OH | Barber Shops | $753,800 |
| 2025-03 | Hum*****LLC | SEATTLE, WA | Fitness and Recreational Sports Centers | $358,800 |
| 2025-03 | Wen*****LLC | WEST CHESTER, OH | Fitness and Recreational Sports Centers | $464,800 |
| 2025-03 | XIM*****LLC | OCOEE, FL | Snack and Nonalcoholic Beverage Bars | $500,000 |
| 2025-03 | Tri*****Inc | Muncie, IN | — | $2,705,000 |
| 2025-03 | RZS*****LLC | GILBERT, AZ | Fitness and Recreational Sports Centers | $500,000 |
| 2025-03 | SAM*****LLC | LAS VEGAS, NV | Janitorial Services | $437,000 |
| 2025-03 | AJG*****LLC | WEST BERLIN, NJ | Janitorial Services | $302,400 |
| 2025-03 | The*****LLC | CHESAPEAKE, VA | Fitness and Recreational Sports Centers | $500,000 |
| 2025-03 | Ble*****LLC | PLAINFIELD, IN | Snack and Nonalcoholic Beverage Bars | $682,500 |
| 2025-03 | KD***LLC | KENNESAW, GA | Private Mail Centers | $445,900 |
| 2025-03 | Bou*****LLC | AUSTIN, TX | — | $450,000 |
| 2025-03 | Mad*****LLC | HOBOKEN, NJ | Fitness and Recreational Sports Centers | $350,000 |
| 2025-03 | Swe*****ion | CEDAR PARK, TX | Fitness and Recreational Sports Centers | $598,500 |
| 2025-03 | Ris*****LLC | BEAVERTON, OR | Full-Service Restaurants | $489,100 |
| 2025-02 | KIN*****AVE | SAN RAFAEL, CA | Fitness and Recreational Sports Centers | $1,526,500 |
| 2025-02 | Two*****LLC | DENVER, CO | Snack and Nonalcoholic Beverage Bars | $498,600 |
| 2025-02 | Zak*****nc. | CONVERSE, TX | Snack and Nonalcoholic Beverage Bars | $673,000 |
| 2025-02 | A&A*****nc. | SACRAMENTO, CA | Mobile Food Services | $500,000 |
| 2025-02 | ADJ*****LLC | HIGH POINT, NC | Offices of Chiropractors | $250,000 |
| 2025-02 | Ame*****LLC | ARLINGTON, TX | Pet Care (except Veterinary) Services | $384,000 |
| 2025-02 | Atw*****LLC | JOHNSTON, RI | Limited-Service Restaurants | $500,000 |
Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.
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