Citizens Trust Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Citizens Trust Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624410 | Child Care Services | 20 | $5.0M | $252K | 11.6% |
| 812112 | Beauty Salons | 5 | $385K | $77K | 2.9% |
| 713940 | Fitness and Recreational Sports Centers | 4 | $195K | $49K | 2.3% |
| 524210 | Insurance Agencies and Brokerages | 4 | $443K | $111K | 2.3% |
| 621210 | Offices of Dentists | 3 | $1.4M | $475K | 1.7% |
| 541511 | Custom Computer Programming Services | 3 | $400K | $133K | 1.7% |
| 339116 | Dental Laboratories | 3 | $636K | $212K | 1.7% |
| 541110 | Offices of Lawyers | 2 | $75K | $38K | 1.2% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 2 | $108K | $54K | 1.2% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 2 | $225K | $113K | 1.2% |
Geographic Distribution
SBA lending activity for Citizens Trust Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 159 | $31.4M | 92.4% |
| Alabama (AL) | 10 | $1.2M | 5.8% |
| Texas (TX) | 1 | $125K | 0.6% |
| Louisiana (LA) | 1 | $110K | 0.6% |
| Oregon (OR) | 1 | $108K | 0.6% |
Why Choose Citizens Trust Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 172 SBA loans approved, totaling $32.9M in financing
- ✓Industry Expertise: Specialized focus on Child Care Services, Beauty Salons, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 6.83% with flexible term lengths averaging 127 months
- ✓Loan Range: Loan sizes from $15K to $1.7M, with an average of $191K
- ✓Nationwide Reach: Active lending in 5 states, with strong presence in GA, AL, OR
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 Trust Bank SBA lending
What types of businesses does Citizens Trust Bank typically finance?
Citizens Trust Bank specializes in SBA 7(a) lending to specific industries including child care services, beauty salons, fitness and recreational sports centers, insurance agencies and brokerages. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Citizens Trust Bank's typical SBA loan terms?
Citizens Trust Bank's SBA 7(a) loans typically feature an average interest rate of 6.83% and average term length of 127 months (approximately 11 years). Loan sizes range from $15K to $1.7M, with an average loan size of $191K.
Do I need a business valuation for a Citizens Trust Bank SBA loan?
Yes, Citizens Trust Bank 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 Trust Bank compare to other SBA lenders?
Citizens Trust Bank has originated 172 SBA loans totaling $32.9M since 1991. 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 Trust Bank lend in?
Citizens Trust Bank provides SBA 7(a) financing with particularly strong presence in GA, AL, OR, LA, 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?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.