STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
72
2011–2025
Total Volume
$16M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a)
72 total segments
Most active in West Virginia (100% of deals) and focuses heavily on restaurants & food service (21% of deals).
With a median 7(a) spread of P + 1.48%, Citizens Bank of West Virginia, Inc prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
45% of Citizens Bank of West Virginia, Inc's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Citizens Bank of West Virginia, Inc has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Specialty Trade Contractors
Construction
Personal Care (Salons, Spas)
Other Services
Auto Repair & Maintenance
Other Services
Heavy & Civil Engineering
Construction
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
+ 7 more
All recorded SBA lending activity for Citizens Bank of West Virginia, Inc, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| West Virginia · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+1.50% | $69K | Q3 2025 |
| West Virginia · Specialty Trade Contractors · Under $150K | 7(a) | 7 | P+1.75% | $92K | Q2 2023 |
| West Virginia · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+0.75% | $249K | Q2 2023 |
| West Virginia · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+2.00% | $79K | Q2 2023 |
| West Virginia · Transportation & Warehousing · $150K – $350K | 7(a) | 2 | P+2.50% | $206K | Q2 2022 |
| West Virginia · Transportation & Warehousing · $350K – $500K | 7(a) | 2 | P+1.13% | $454K | Q3 2024 |
| West Virginia · Transportation & Warehousing · $500K – $1M | 7(a) | 2 | P+0.93% | $875K | Q3 2021 |
| West Virginia · Wholesale Trade · Under $150K | 7(a) | 2 | P+3.88% | $33K | Q2 2011 |
| West Virginia · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+1.25% | $113K | Q4 2024 |
| West Virginia · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+1.75% | $58K | Q2 2022 |
| West Virginia · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+0.13% | $245K | Q2 2023 |
| West Virginia · Heavy & Civil Engineering · Under $150K | 7(a) | 2 | P+2.25% | $41K | Q2 2023 |
| West Virginia · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+3.50% | $68K | Q1 2023 |
| West Virginia · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+1.50% | $111K | Q4 2024 |
| West Virginia · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+0.87% | $188K | Q4 2024 |
| West Virginia · Other Repair & Services · $150K – $350K | 7(a) | 1 | P+1.00% | $350K | Q2 2020 |
| West Virginia · Manufacturing · $150K – $350K | 7(a) | 1 | P+1.50% | $190K | Q1 2016 |
| West Virginia · Manufacturing · $350K – $500K | 7(a) | 1 | P+1.00% | $460K | Q2 2022 |
| West Virginia · Retail Trade · $150K – $350K | 7(a) | 1 | P+2.25% | $350K | Q3 2016 |
| West Virginia · Information & Media · Under $150K | 7(a) | 1 | P+2.50% | $125K | Q1 2011 |
| West Virginia · Real Estate · Under $150K | 7(a) | 1 | P+1.50% | $140K | Q3 2018 |
| West Virginia · Real Estate · $350K – $500K | 7(a) | 1 | P+0.25% | $485K | Q3 2023 |
| West Virginia · Administrative & Waste Services · Under $150K | 7(a) | 1 | P+2.75% | $34K | Q2 2020 |
| West Virginia · Administrative & Waste Services · $350K – $500K | 7(a) | 1 | P+2.25% | $378K | Q2 2011 |
| West Virginia · Administrative & Waste Services · $500K – $1M | 7(a) | 1 | P+3.00% | $623K | Q2 2011 |
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