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
266
2010–2025
Total Volume
$68M
Gross loan amounts
States Active
9
With recorded loans
Programs
7(a) & 504
265 total segments
Citizens Bank & Trust Co has a strong focus on existing businesses, with 53% of their deals supporting established companies. This makes them a good choice for borrowers looking to expand or refinance existing operations.
With an average 7(a) spread of P+2.05%, Citizens Bank & Trust Co offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender has shown significant growth, with a 69% year-over-year increase in deals. This trend indicates that they are actively expanding their lending capacity, which may improve your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 45 504 loans, which use fixed SBA debenture rates.
States where Citizens Bank & Trust Co has recorded SBA lending activity.
+ 4 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Other Health Practitioners
Health Care & Social Assistance
Real Estate
Real Estate
Food & Beverage Stores
Retail Trade
Retail Trade
Retail Trade
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Citizens Bank & Trust Co, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Manufacturing · Under $150K | 7(a) | 24 | P+1.88% | $51K | Q4 2024 |
| Minnesota · Restaurants & Food Service · Under $150K | 7(a) | 17 | P+2.00% | $83K | Q2 2025 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 17 | P+2.00% | $58K | Q2 2025 |
| Minnesota · Other Health Practitioners · Under $150K | 7(a) | 12 | P+1.63% | $65K | Q1 2025 |
| Minnesota · Miscellaneous Retail · Under $150K | 7(a) | 7 | P+1.00% | $35K | Q3 2025 |
| Minnesota · Engineering & Architecture · Under $150K | 7(a) | 7 | P+2.50% | $20K | Q4 2014 |
| Minnesota · Building Construction · Under $150K | 7(a) | 6 | P+2.00% | $67K | Q2 2022 |
| Minnesota · Transportation & Warehousing · Under $150K | 7(a) | 5 | P+2.75% | $55K | Q2 2014 |
| Minnesota · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+2.25% | $69K | Q2 2025 |
| Minnesota · Real Estate · Under $150K | 7(a) | 5 | P+2.00% | $62K | Q1 2023 |
| Minnesota · Food & Beverage Stores · Under $150K | 7(a) | 5 | P+2.00% | $95K | Q3 2022 |
| Minnesota · Retail Trade · Under $150K | 7(a) | 5 | P+2.25% | $72K | Q3 2021 |
| Minnesota · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+1.50% | $78K | Q2 2023 |
| Minnesota · General Merchandise · Under $150K | 7(a) | 4 | P+2.13% | $48K | Q2 2018 |
| Minnesota · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.25% | $51K | Q4 2018 |
| Minnesota · Specialty Trade Contractors · $150K – $350K | 504 | 3 | — | $218K | Q3 2025 |
| Minnesota · Other Repair & Services · Under $150K | 7(a) | 3 | P+2.75% | $71K | Q2 2016 |
| Alabama · Wholesale Trade · $150K – $350K | 504 | 3 | — | $275K | Q2 2012 |
| Minnesota · Real Estate · $150K – $350K | 7(a) | 3 | P+1.50% | $327K | Q2 2022 |
| Minnesota · Management of Companies · $350K – $500K | 7(a) | 3 | P+2.50% | $495K | Q3 2021 |
| Minnesota · Manufacturing · $350K – $500K | 7(a) | 2 | P+1.50% | $465K | Q2 2011 |
| Minnesota · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+1.75% | $275K | Q3 2021 |
| Minnesota · Other Professional Services · Under $150K | 7(a) | 2 | P+1.88% | $100K | Q1 2022 |
| Minnesota · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+3.13% | $13K | Q1 2014 |
| Kentucky · Retail Trade · Under $150K | 7(a) | 2 | P+3.30% | $22K | Q4 2011 |
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Real experiences from borrowers who closed SBA loans with Citizens Bank & Trust Co.
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