GOOD
How competitive are their spreads? Lower = better for you.
STRONG
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
1,273
2010–2026
Total Volume
$960M
Gross loan amounts
States Active
11
With recorded loans
Programs
7(a) & 504
1272 total segments
Citizens Business Bank has a strong focus on existing businesses, with 83% of their deals serving this purpose. This makes them a solid choice for established businesses looking to expand or refinance.
With a 29% share of 504 loans, Citizens Business Bank is well-positioned for real estate-heavy financing, which is beneficial for borrowers needing property-related funding.
Despite a slight decline in growth at -4% YoY, Citizens Business Bank maintains a robust volume of SBA loans, indicating stability in their lending practices, which can be reassuring for potential borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 365 504 loans, which use fixed SBA debenture rates.
States where Citizens Business Bank National Association has recorded SBA lending activity.
+ 6 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Real Estate
Real Estate
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for Citizens Business Bank National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 50 | P+2.75% | $284K | Q3 2018 |
| California · Manufacturing · $500K – $1M | 7(a) | 31 | P+2.50% | $681K | Q1 2024 |
| California · Manufacturing · $150K – $350K | 7(a) | 30 | P+2.75% | $261K | Q1 2018 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 26 | P+2.75% | $257K | Q2 2023 |
| California · Manufacturing · $1M – $2M | 7(a) | 25 | P+2.50% | $1.5M | Q2 2024 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 23 | P+2.50% | $693K | Q3 2020 |
| California · Wholesale Trade · $500K – $1M | 7(a) | 22 | P+2.75% | $717K | Q1 2024 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 22 | P+2.75% | $428K | Q3 2018 |
| California · Manufacturing · Under $150K | 7(a) | 18 | P+2.75% | $99K | Q2 2017 |
| California · Wholesale Trade · $1M – $2M | 504 | 17 | — | $1.5M | Q4 2025 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+2.75% | $105K | Q3 2017 |
| California · Specialty Trade Contractors · $150K – $350K | 7(a) | 16 | P+2.50% | $290K | Q3 2021 |
| California · Manufacturing · $500K – $1M | 504 | 15 | — | $776K | Q2 2023 |
| California · Administrative & Waste Services · $150K – $350K | 7(a) | 15 | P+2.75% | $281K | Q4 2018 |
| California · Wholesale Trade · Under $150K | 7(a) | 15 | P+2.75% | $97K | Q1 2018 |
| California · Physician & Dental Offices · $150K – $350K | 7(a) | 15 | P+2.50% | $285K | Q3 2021 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 14 | P+2.75% | $1.4M | Q3 2018 |
| California · Specialty Trade Contractors · $500K – $1M | 7(a) | 13 | P+2.50% | $693K | Q4 2019 |
| California · Administrative & Waste Services · $500K – $1M | 7(a) | 12 | P+2.38% | $681K | Q1 2025 |
| California · Manufacturing · $350K – $500K | 7(a) | 11 | P+2.65% | $430K | Q3 2018 |
| California · Physician & Dental Offices · $500K – $1M | 504 | 11 | — | $697K | Q3 2025 |
| California · Wholesale Trade · $350K – $500K | 7(a) | 11 | P+2.50% | $446K | Q1 2018 |
| California · Manufacturing · $2M – $5M | 504 | 11 | — | $3.0M | Q4 2022 |
| California · Physician & Dental Offices · $150K – $350K | 504 | 10 | — | $304K | Q1 2022 |
| California · Real Estate · $500K – $1M | 7(a) | 10 | P+2.00% | $719K | Q2 2024 |
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Real experiences from borrowers who closed SBA loans with Citizens Business Bank National Association.
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