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Citizens Bank
ELIZABETHTON, TN · High-Volume Lender · National rank #30
Citizens Bank approved 303 SBA 7(a) loans in FY2025, ranking #30 nationally by loan volume. Its average loan size was $704,539, with its most active states being Texas, California, and Florida.
Citizens Bank, headquartered in Elizabethton, TN, is an active participant in the SBA 7(a) loan program. According to FY2025 SBA 7(a) lender activity data, the bank approved 303 SBA 7(a) loans totaling $213,475,200 in approved loan dollars, with $160,396,920 backed by SBA guaranty. The average loan size across these transactions was $704,539.
Nationally, Citizens Bank ranked #30 by SBA 7(a) loan volume in FY2025, placing it among the more active lenders in the program that year, though well outside the very top tier. Despite its Tennessee headquarters, the bank's lending activity in FY2025 was concentrated outside its home state, with Texas (44 loans), California (38 loans), and Florida (38 loans) representing its top three states by loan count.
Beyond these leading states, SBA data shows Citizens Bank extended 7(a) loans across a wide geographic footprint, including Georgia, North Carolina, Utah, Colorado, Illinois, Tennessee, Virginia, Ohio, South Carolina, Oregon, Michigan, New Jersey, Pennsylvania, Oklahoma, Alabama, Arizona, Washington, Missouri, Massachusetts, Minnesota, Maryland, Wisconsin, Louisiana, Idaho, Nevada, New York, Indiana, Kentucky, Maine, Rhode Island, Vermont, Iowa, Kansas, and Arkansas. This breadth of state participation indicates a lending footprint that extends well beyond its home region. All figures cited here are drawn exclusively from FY2025 SBA 7(a) lender activity data.
Where Citizens Bank lends
| State | Loans | Dollars |
|---|---|---|
| Texas | 44 | $29,045,100 |
| California | 38 | $28,398,500 |
| Florida | 38 | $26,116,200 |
| Georgia | 23 | $22,120,900 |
| Utah | 15 | $15,849,500 |
| North Carolina | 20 | $14,400,500 |
| Illinois | 10 | $12,442,300 |
| Colorado | 12 | $7,666,900 |
| Virginia | 9 | $5,755,500 |
| South Carolina | 8 | $4,932,700 |
| Tennessee | 10 | $4,873,300 |
| Ohio | 9 | $4,206,700 |
| New Jersey | 5 | $3,176,000 |
| Massachusetts | 3 | $3,068,400 |
| Pennsylvania | 5 | $3,025,700 |
Questions people ask
Is Citizens Bank an SBA lender?
Yes, Citizens Bank participated in the SBA 7(a) loan program in FY2025, per SBA activity data.
How many SBA 7(a) loans did Citizens Bank approve in FY2025?
It approved 303 SBA 7(a) loans in FY2025.
What was the total dollar volume of loans approved?
Approved loans totaled $213,475,200 in FY2025.
What is Citizens Bank's average SBA loan size?
The average loan size was $704,539 in FY2025.
Where is Citizens Bank headquartered?
Its headquarters is in Elizabethton, TN.
Where is Citizens Bank most active with SBA lending?
Its top states by loan count in FY2025 were Texas (44 loans), California (38 loans), and Florida (38 loans).
Is Citizens Bank a national or regional SBA lender?
It served borrowers across dozens of states in FY2025, including states outside its Tennessee home base, indicating a national rather than purely regional lending footprint.
How does Citizens Bank rank by SBA loan volume?
It ranked #30 nationally in SBA 7(a) loan volume for FY2025.
How much of the loan volume was SBA-guaranteed?
SBA guaranty dollars totaled $160,396,920 of the approved loan amount in FY2025.
In how many states did Citizens Bank make SBA 7(a) loans?
SBA data lists activity across 37 states in FY2025.
Source: SBA 7(a) Lender Activity Report, FY2025 (data.sba.gov). GetFundedUSA is independent and not affiliated with Citizens Bank; loan terms, rates and eligibility are set by the lender and the SBA, not GetFundedUSA.