GOOD
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
485
2010–2025
Total Volume
$200M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
483 total segments
Citizens & Northern Bank has a strong focus on existing businesses, with 65% of their deals serving this purpose. This makes them a solid option for established businesses looking to expand or refinance.
With an average 7(a) spread of P+2.58%, Citizens & Northern Bank 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 bank's 55% decline in year-over-year deal volume may indicate a tightening of lending criteria. If you're considering applying, be prepared for potentially stricter approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 44 504 loans, which use fixed SBA debenture rates.
States where Citizens & Northern Bank has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Mining & Oil/Gas
Mining & Oil/Gas
Agriculture & Forestry
Agriculture & Forestry
Administrative & Waste Services
Administrative & Waste Services
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for Citizens & Northern Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Transportation & Warehousing · Under $150K | 7(a) | 47 | P+2.50% | $68K | Q4 2021 |
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 26 | P+2.75% | $68K | Q2 2021 |
| Pennsylvania · Mining & Oil/Gas · Under $150K | 7(a) | 16 | P+2.00% | $72K | Q3 2021 |
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+2.00% | $77K | Q3 2025 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 14 | P+2.75% | $75K | Q4 2021 |
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 7(a) | 11 | P+2.75% | $229K | Q1 2025 |
| Pennsylvania · Manufacturing · $500K – $1M | 7(a) | 11 | P+2.75% | $822K | Q3 2018 |
| Pennsylvania · Agriculture & Forestry · Under $150K | 7(a) | 10 | P+2.00% | $62K | Q4 2020 |
| Pennsylvania · Transportation & Warehousing · $150K – $350K | 7(a) | 10 | P+3.00% | $244K | Q2 2019 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 9 | P+2.75% | $282K | Q1 2014 |
| Pennsylvania · Food & Beverage Stores · Under $150K | 7(a) | 8 | P+2.00% | $60K | Q1 2021 |
| Pennsylvania · Other Health Practitioners · Under $150K | 7(a) | 7 | P+2.75% | $68K | Q2 2017 |
| Pennsylvania · General Merchandise · Under $150K | 7(a) | 7 | P+2.50% | $69K | Q1 2022 |
| Pennsylvania · Real Estate · Under $150K | 7(a) | 7 | P+2.00% | $83K | Q1 2021 |
| Pennsylvania · Administrative & Waste Services · Under $150K | 7(a) | 7 | P+3.00% | $73K | Q3 2016 |
| Pennsylvania · Specialty Trade Contractors · $150K – $350K | 7(a) | 7 | P+2.50% | $219K | Q4 2021 |
| Pennsylvania · Wholesale Trade · $150K – $350K | 7(a) | 6 | P+2.75% | $350K | Q1 2015 |
| Pennsylvania · Auto Repair & Maintenance · Under $150K | 7(a) | 6 | P+2.38% | $57K | Q3 2021 |
| Pennsylvania · Other Professional Services · Under $150K | 7(a) | 5 | P+2.75% | $105K | Q4 2014 |
| Pennsylvania · Building Construction · Under $150K | 7(a) | 5 | P+2.75% | $111K | Q2 2022 |
| Pennsylvania · Manufacturing · $1M – $2M | 7(a) | 5 | P+2.75% | $1.7M | Q2 2016 |
| Pennsylvania · Legal Services · Under $150K | 7(a) | 5 | P+2.75% | $44K | Q4 2016 |
| Pennsylvania · Agriculture & Forestry · $150K – $350K | 7(a) | 5 | P+2.75% | $248K | Q4 2014 |
| Pennsylvania · Real Estate · $150K – $350K | 7(a) | 4 | P+3.13% | $303K | Q4 2014 |
| Pennsylvania · Manufacturing · $2M – $5M | 7(a) | 4 | P+2.50% | $4.0M | Q2 2021 |
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Real experiences from borrowers who closed SBA loans with Citizens & Northern Bank.
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