City Bank & Trust Co.
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by City Bank & Trust Co.
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722515 | Snack and Nonalcoholic Beverage Bars | 24 | $15.9M | $661K | 30.0% |
| 493190 | Other Warehousing and Storage | 8 | $6.2M | $780K | 10.0% |
| 446110 | Pharmacies and Drug Stores | 8 | $1.8M | $225K | 10.0% |
| 722513 | Limited-Service Restaurants | 8 | $29.0M | $3.6M | 10.0% |
| 445120 | Convenience Stores | 8 | $2.8M | $350K | 10.0% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 8 | $12.2M | $1.5M | 10.0% |
| 722511 | Full-Service Restaurants | 8 | $8.0M | $1.0M | 10.0% |
| 623110 | Nursing Care Facilities | 8 | $2.8M | $350K | 10.0% |
Geographic Distribution
SBA lending activity for City Bank & Trust Co. by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Nebraska (NE) | 56 | $54.9M | 70.0% |
| Massachusetts (MA) | 8 | $12.2M | 10.0% |
| Iowa (IA) | 16 | $11.6M | 20.0% |
Why Choose City Bank & Trust Co.?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 80 SBA loans approved, totaling $78.7M in financing
- ✓Industry Expertise: Specialized focus on Snack and Nonalcoholic Beverage Bars, Other Warehousing and Storage, Pharmacies and Drug Stores
- ✓Competitive Terms: Average interest rate of 6.26% with flexible term lengths averaging 122 months
- ✓Loan Range: Loan sizes from $225K to $3.6M, with an average of $984K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in NE, IA, MA
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 City Bank & Trust Co. SBA lending
What types of businesses does City Bank & Trust Co. typically finance?
City Bank & Trust Co. specializes in SBA 7(a) lending to specific industries including snack and nonalcoholic beverage bars, other warehousing and storage, pharmacies and drug stores, limited-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are City Bank & Trust Co.'s typical SBA loan terms?
City Bank & Trust Co.'s SBA 7(a) loans typically feature an average interest rate of 6.26% and average term length of 122 months (approximately 10 years). Loan sizes range from $225K to $3.6M, with an average loan size of $984K.
Do I need a business valuation for a City Bank & Trust Co. SBA loan?
Yes, City Bank & Trust Co. 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 City Bank & Trust Co. compare to other SBA lenders?
City Bank & Trust Co. has originated 80 SBA loans totaling $78.7M 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 City Bank & Trust Co. lend in?
City Bank & Trust Co. provides SBA 7(a) financing with particularly strong presence in NE, IA, MA. 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.
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Professional valuations are often required for SBA loans over $250,000.
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