SBA Lending Data
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Citizens Bank

Elizabethton, TN7(a) lenderTop sector: Limited-Service Restaurants
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Loans approved
2,328
FY1991–FY2026
Dollars approved
$1.7B
$964.3M since FY2021
Average loan
$729K
$719K recently
Charge-off rate
1.6%
by dollars · 4.4% by count

Approvals over time

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What they lend against

Loan count by NAICS industry, whole record. Each row opens that industry’s profile, where this lender is ranked against everyone else writing it.

Where they lend

Share is of this lender’s entire book, so the 8 states shown need not sum to 100%. Together they account for 62% of its lending.

At a glance

Rank by recent volume#40 of 2321
First approvalFY1991
Latest approvalFY2026
States lent into8+

What they charge

Typical pricingPrime + 2.75
Median rate 10.25%Fixed 0%619 loans

Median initial rate on this lender's 7(a) loans approved FY2024 onward, against a market median of Prime + 2.75. That is about what the market typically prices. It is the rate at approval, not an offer, and says nothing about fees.

Program mix

7(a) · 100% (2,328)504 · 0% (0)

Split by loan count.

7(a) $1.7B504 $0

Loss rate in context

This lender1.6%
Both programs, all lenders4.6%

Charged-off dollars over dollars approved. By loan count this lender is at 4.4%; the two measures diverge when a book is weighted toward small loans.

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