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
216
2010–2026
Total Volume
$113M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
215 total segments
City Bank has a strong focus on 504 loans, making up 31% of their total SBA deals, which is significantly higher than the national average of 18%. This indicates they are well-suited for borrowers looking for real estate financing or larger capital needs.
With an average 7(a) spread of P+2.25%, City Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to lower overall loan costs for borrowers choosing this lender.
City Bank is experiencing significant growth, with a 140% year-over-year increase in SBA deals. This upward trend suggests they are actively expanding their lending capacity, making them a potentially reliable partner for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 66 504 loans, which use fixed SBA debenture rates.
States where City Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Food & Beverage Stores
Retail Trade
Specialty Trade Contractors
Construction
Laundry & Dry Cleaning
Other Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for City Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 9 | P+2.75% | $235K | Q1 2019 |
| Texas · Food & Beverage Stores · Under $150K | 7(a) | 8 | P+3.75% | $98K | Q2 2014 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 7 | P+2.25% | $256K | Q3 2025 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 6 | P+2.00% | $99K | Q4 2022 |
| Texas · Wholesale Trade · $150K – $350K | 7(a) | 5 | P+2.75% | $223K | Q3 2014 |
| Texas · Manufacturing · Under $150K | 7(a) | 5 | P+1.75% | $102K | Q3 2025 |
| Texas · Administrative & Waste Services · $150K – $350K | 7(a) | 4 | P+3.70% | $266K | Q2 2013 |
| Texas · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+2.50% | $103K | Q2 2017 |
| Texas · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+2.25% | $98K | Q4 2017 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.25% | $76K | Q2 2022 |
| Texas · Wholesale Trade · Under $150K | 7(a) | 4 | P+2.63% | $75K | Q3 2011 |
| Texas · Retail Trade · $150K – $350K | 7(a) | 4 | P+2.00% | $280K | Q3 2019 |
| Texas · Other Professional Services · Under $150K | 7(a) | 4 | P+1.75% | $118K | Q1 2017 |
| Texas · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $741K | Q2 2023 |
| Texas · Specialty Trade Contractors · $350K – $500K | 7(a) | 3 | P+2.25% | $500K | Q3 2022 |
| Texas · Laundry & Dry Cleaning · $350K – $500K | 504 | 3 | — | $428K | Q2 2021 |
| Texas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+2.50% | $55K | Q3 2017 |
| Texas · Physician & Dental Offices · $150K – $350K | 504 | 3 | — | $243K | Q1 2025 |
| Texas · Arts, Entertainment & Recreation · $2M – $5M | 504 | 3 | — | $4.1M | Q2 2025 |
| Texas · Wholesale Trade · $500K – $1M | 504 | 3 | — | $758K | Q1 2020 |
| Texas · Real Estate · $350K – $500K | 504 | 3 | — | $421K | Q1 2015 |
| Texas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.75% | $108K | Q1 2017 |
| Texas · Auto Repair & Maintenance · $1M – $2M | 504 | 2 | — | $1.2M | Q3 2016 |
| Texas · Engineering & Architecture · $500K – $1M | 504 | 2 | — | $625K | Q4 2021 |
| Texas · Specialty Trade Contractors · $150K – $350K | 504 | 2 | — | $181K | Q2 2021 |
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