The Citizens National Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by The Citizens National Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621610 | Home Health Care Services | 3 | $1.7M | $550K | 7.9% |
| 112111 | Beef Cattle Ranching and Farming | 2 | $220K | $110K | 5.3% |
| 811111 | General Automotive Repair | 2 | $120K | $60K | 5.3% |
| 621320 | Offices of Optometrists | 2 | $283K | $141K | 5.3% |
| 713950 | Bowling Centers | 1 | $78K | $78K | 2.6% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $10K | $10K | 2.6% |
| 112210 | Hog and Pig Farming | 1 | $860K | $860K | 2.6% |
| 337110 | Wood Kitchen Cabinet and Countertop Manufacturing | 1 | $120K | $120K | 2.6% |
| 326211 | Tire Manufacturing (except Retreading) | 1 | $47K | $47K | 2.6% |
| 541213 | Tax Preparation Services | 1 | $45K | $45K | 2.6% |
Geographic Distribution
SBA lending activity for The Citizens National Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kansas (KS) | 38 | $6.6M | 100.0% |
Why Choose The Citizens National Bank?
Based on SBA 7(a) lending track record from 1991-2011
- ✓Proven Track Record: 38 SBA loans approved, totaling $6.6M in financing
- ✓Industry Expertise: Specialized focus on Home Health Care Services, Beef Cattle Ranching and Farming, General Automotive Repair
- ✓Competitive Terms: Average interest rate of 6.00% with flexible term lengths averaging 105 months
- ✓Loan Range: Loan sizes from $5K to $860K, with an average of $174K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in KS
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 The Citizens National Bank SBA lending
What types of businesses does The Citizens National Bank typically finance?
The Citizens National Bank specializes in SBA 7(a) lending to specific industries including home health care services, beef cattle ranching and farming, general automotive repair, offices of optometrists. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Citizens National Bank's typical SBA loan terms?
The Citizens National Bank's SBA 7(a) loans typically feature an average interest rate of 6.00% and average term length of 105 months (approximately 9 years). Loan sizes range from $5K to $860K, with an average loan size of $174K.
Do I need a business valuation for a The Citizens National Bank SBA loan?
Yes, The Citizens National 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 The Citizens National Bank compare to other SBA lenders?
The Citizens National Bank has originated 38 SBA loans totaling $6.6M 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 The Citizens National Bank lend in?
The Citizens National Bank provides SBA 7(a) financing with particularly strong presence in KS. 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.
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