Citizens Bank & Trust Company
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Citizens Bank & Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 339112 | Surgical and Medical Instrument Manufacturing | 8 | $4.0M | $500K | 8.3% |
| 722511 | Full-Service Restaurants | 8 | $4.7M | $588K | 8.3% |
| 455219 | Other | 8 | $1.4M | $175K | 8.3% |
| 541620 | Environmental Consulting Services | 8 | $510K | $64K | 8.3% |
| 711310 | Promoters of Performing Arts, Sports, and Similar Events with Faciliti | 8 | $3.3M | $418K | 8.3% |
| 445310 | Beer, Wine, and Liquor Stores | 8 | $1.8M | $230K | 8.3% |
| 561311 | Employment Placement Agencies | 8 | $880K | $110K | 8.3% |
| 458110 | Other | 8 | $2.0M | $255K | 8.3% |
| 212319 | Other Crushed and Broken Stone Mining and Quarrying | 8 | $20.8M | $2.6M | 8.3% |
| 722410 | Drinking Places (Alcoholic Beverages) | 8 | $2.2M | $275K | 8.3% |
Geographic Distribution
SBA lending activity for Citizens Bank & Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Louisiana (LA) | 72 | $39.3M | 75.0% |
| Tennessee (TN) | 8 | $2.0M | 8.3% |
| Kentucky (KY) | 8 | $1.8M | 8.3% |
| Texas (TX) | 8 | $510K | 8.3% |
Why Choose Citizens Bank & Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 96 SBA loans approved, totaling $43.6M in financing
- ✓Industry Expertise: Specialized focus on Surgical and Medical Instrument Manufacturing, Full-Service Restaurants, Other
- ✓Competitive Terms: Average interest rate of 10.53% with flexible term lengths averaging 139 months
- ✓Loan Range: Loan sizes from $48K to $2.6M, with an average of $455K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in LA, TX, KY
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Citizens Bank & Trust Company SBA lending
What types of businesses does Citizens Bank & Trust Company typically finance?
Citizens Bank & Trust Company specializes in SBA 7(a) lending to specific industries including surgical and medical instrument manufacturing, full-service restaurants, other, environmental consulting services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Citizens Bank & Trust Company's typical SBA loan terms?
Citizens Bank & Trust Company's SBA 7(a) loans typically feature an average interest rate of 10.53% and average term length of 139 months (approximately 12 years). Loan sizes range from $48K to $2.6M, with an average loan size of $455K.
Do I need a business valuation for a Citizens Bank & Trust Company SBA loan?
Yes, Citizens Bank & Trust Company typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Citizens Bank & Trust Company compare to other SBA lenders?
Citizens Bank & Trust Company has originated 96 SBA loans totaling $43.6M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Citizens Bank & Trust Company lend in?
Citizens Bank & Trust Company provides SBA 7(a) financing with particularly strong presence in LA, TX, KY, TN. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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