Citibank, N.A.: SBA Lending Record
What SBA's own loan files show about Citibank, N.A. as an SBA lender, and how a lender's record bears on a feasibility study.
798 loans trace to Citibank, N.A. for approvals in FY2017 to FY2026, $263.4 million gross. 798 loans, all in 7(a), stand against Citibank, N.A.; none are 504. Citibank, N.A. is listed by SBA as holder of 798 7(a) loans. 798 loans carry SBA's guarantee, not Citibank, N.A.'s.
What Citibank, N.A. holds, by class and state
Citibank, N.A. puts its largest named classes at Full-service restaurant, 44, Beauty salon, 16, Automotive mechanical repair (car and truck), 10, Fitness center, 7 and Dental office, 5 loans. Citibank, N.A.'s largest group, 694 loans, fits no class. Citibank, N.A. by state: New York, 325, California, 263, Florida, 86, Illinois, 63 and Connecticut, 16 loans.
Citibank, N.A. outcome floors
28.3% is the cancellation floor on Citibank, N.A. approvals from FY2017 to FY2024. Citibank, N.A. has a ceiling of 30.0% once undisbursed approvals count as cancelled. Citibank, N.A. has a charge-off floor of 3.9% to date. Its cohort, 361 loans, was disbursed in FY2017 to FY2021. Citibank, N.A. reads 1.4% on the five-year view. Citibank, N.A.: read each rate as a floor.
Citibank, N.A. record and a borrower's study
Citibank, N.A. lists 44 loans in the Full-service restaurant class. Citibank, N.A. study needs occupancy cost. Citibank, N.A.: labour and food cost remains open across 44 Full-service restaurant loans. Citibank, N.A. history says nothing on seating demand. 16 loans of Citibank, N.A. fall in the Beauty salon class. Citibank, N.A. study needs stylist retention. 16 Beauty salon loans leave station count open. Citibank, N.A. total of $263.4 million says nothing about any one site. Citibank, N.A. also has 694 loans in no tracked class. At Citibank, N.A., the project must carry the case. For 325 Citibank, N.A. loans in New York, local evidence still decides. Citibank, N.A. should be asked directly what it needs. Citibank, N.A. shows 798 loans, not demand at any one site. Citibank, N.A. totals trail supply near the site. Citibank, N.A. study: written support behind each revenue figure. Citibank, N.A. request needs build cost from quotes. Citibank, N.A. request: coverage holds on cautious revenue. A separate appraisal must value the property itself, whatever the Citibank, N.A. record shows. Citibank, N.A. study needs a downside case in writing. Citibank, N.A.: assumptions stated, coverage tested, value supported. Citibank, N.A. carries $263.4 million in gross approvals on 798 loans. Citibank, N.A. loan equity should be stated plainly.
Citibank, N.A. cancellation rates use approvals through FY2024 only. Citibank, N.A. totals add FY2025 and FY2026 approvals. The Citibank, N.A. cohort holds 361 loans, disbursed FY2017 to FY2021. Citibank, N.A. figures describe loans held, not lender practices. Citibank, N.A. history of 798 loans promises nothing to a new borrower.
SBA loans held by Citibank, N.A.
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 798 |
|---|---|
| Gross dollars approved | $263.4 million |
| SBA 7(a) loans | 798 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 28.3% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 30.0% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 3.9% |
| Charged off within five years of approval | 1.4% |
| Loans in that cohort | 361 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 694 |
| Full-service restaurant | 44 |
| Beauty salon | 16 |
| Automotive mechanical repair (car and truck) | 10 |
| Fitness center | 7 |
| Dental office | 5 |
| Medical office (physicians) | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| New York | 325 |
| California | 263 |
| Florida | 86 |
| Illinois | 63 |
| Connecticut | 16 |
| New Jersey | 12 |
| Maryland | 9 |
| Virginia | 7 |
| Massachusetts | 5 |
| Texas | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-7213.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study company
- Wells Fargo Bank National Association: SBA Lending Record
- The Bancorp Bank National Association: SBA Lending Record
- Pathward National Association: SBA Lending Record
- Dakota Business Finance: SBA Lending Record
- Ally Dakota Development, Inc.: SBA Lending Record
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