Citizens National Bank of Texas
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Citizens National Bank of Texas
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 32 | $21.6M | $675K | 33.3% |
| 722511 | Full-Service Restaurants | 16 | $5.6M | $350K | 16.7% |
| 562991 | Septic Tank and Related Services | 8 | $9.6M | $1.2M | 8.3% |
| 812910 | Pet Care (except Veterinary) Services | 8 | $9.6M | $1.2M | 8.3% |
| 321999 | All Other Miscellaneous Wood Product Manufacturing | 8 | $4.0M | $500K | 8.3% |
| 541714 | Other | 8 | $4.0M | $500K | 8.3% |
| 711120 | Dance Companies | 8 | $6.3M | $792K | 8.3% |
| 488190 | Other Support Activities for Air Transportation | 8 | $2.8M | $350K | 8.3% |
Geographic Distribution
SBA lending activity for Citizens National Bank of Texas by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 96 | $63.5M | 100.0% |
Why Choose Citizens National Bank of Texas?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 96 SBA loans approved, totaling $63.5M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Full-Service Restaurants, Septic Tank and Related Services
- ✓Competitive Terms: Average interest rate of 6.33% with flexible term lengths averaging 140 months
- ✓Loan Range: Loan sizes from $64K to $2.0M, with an average of $661K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in TX
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 National Bank of Texas SBA lending
What types of businesses does Citizens National Bank of Texas typically finance?
Citizens National Bank of Texas specializes in SBA 7(a) lending to specific industries including limited-service restaurants, full-service restaurants, septic tank and related services, pet care (except veterinary) services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Citizens National Bank of Texas's typical SBA loan terms?
Citizens National Bank of Texas's SBA 7(a) loans typically feature an average interest rate of 6.33% and average term length of 140 months (approximately 12 years). Loan sizes range from $64K to $2.0M, with an average loan size of $661K.
Do I need a business valuation for a Citizens National Bank of Texas SBA loan?
Yes, Citizens National Bank of Texas 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 National Bank of Texas compare to other SBA lenders?
Citizens National Bank of Texas has originated 96 SBA loans totaling $63.5M 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 National Bank of Texas lend in?
Citizens National Bank of Texas provides SBA 7(a) financing with particularly strong presence in TX. 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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