Citizens Bank (TN): SBA Lending Record
What SBA's own loan files show about Citizens Bank (TN) as an SBA lender, and how a lender's record bears on a feasibility study.
Citizens Bank (TN): loans and programs
Citizens Bank (TN) stands at 2,138 approved loans and $1.67 billion gross, FY2017 to FY2026. All 2,138 loans at Citizens Bank (TN) are 7(a); 0 are 504. SBA records Citizens Bank (TN) as holding, or having held, these 2,138 loans. SBA, not Citizens Bank (TN), guarantees these 2,138 loans. The figures for Citizens Bank (TN) are loan records only. TN is the lender state SBA records for Citizens Bank (TN).
Classes and places for Citizens Bank (TN)
The followed classes leave 970 of Citizens Bank (TN)'s 2,138 loans uncovered. Tracked class by class, the record of Citizens Bank (TN) opens Fitness center (224), Limited-service restaurant (201), Gas station and truck stop (144), Coffee shop and snack bar (144), Full-service restaurant (91), Hotel and motel (50), Automotive mechanical repair (car and truck) (41), Child care center (40), Liquor store (34), Beauty salon (31), Dental office (30). Nonresidential lessor (flex, office and retail investor buildings) closes the class list with 5 loans. Fitness center borrowers can place a project next to 224 such loans at Citizens Bank (TN). Citizens Bank (TN) shows 201 loans in Limited-service restaurant, the next class. In Gas station and truck stop, Citizens Bank (TN) shows 144 loans. Florida follows with 237 loans in the Citizens Bank (TN) record. The state column for Citizens Bank (TN) opens Texas (305), Florida (237), Georgia (199), California (189), North Carolina (156), Tennessee (83), Utah (80), Virginia (72), South Carolina (60), Colorado (59), Illinois (56). Last on the state list: Nebraska, 6. The lender state is recorded as TN, and the largest state by loans is Texas.
What SBA records on outcomes for Citizens Bank (TN)
Of Citizens Bank (TN) approvals from FY2017 to FY2024, 5.5% are known cancelled, a floor, while the ceiling for Citizens Bank (TN), with undisbursed loans counted as cancelled, equals 5.5%. These are minimum rates for Citizens Bank (TN), and later losses inside the FY2017 to FY2021 cohort would raise it. Citizens Bank (TN) shows 6.0% charged off to date as a floor, on FY2017 to FY2021 disbursements counting 890. Charged off within five years of approval, Citizens Bank (TN) reaches 4.0%.
The Citizens Bank (TN) record and a feasibility study
Fitness center at Citizens Bank (TN) leads off with a check on demand. From there, a study of Limited-service restaurant should check development cost, with 201 such loans on Citizens Bank (TN)'s record. After cost comes debt service coverage: Citizens Bank (TN) shows $1.67 billion across 2,138 loans, yet the coverage test belongs to the project. Last comes the appraisal, which no count of 144 Gas station and truck stop loans at Citizens Bank (TN) makes unnecessary. A borrower in Texas will see 305 loans in the Citizens Bank (TN) record, and one in Florida, 237. Citizens Bank (TN) alone can say what it asks for. Nothing promises approval, and Citizens Bank (TN) sets its own terms.
SBA loans held by Citizens Bank (TN)
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 | 2,138 |
|---|---|
| Gross dollars approved | $1.67 billion |
| SBA 7(a) loans | 2,138 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 5.5% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 5.5% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 6.0% |
| Charged off within five years of approval | 4.0% |
| Loans in that cohort | 890 |
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 | 970 |
| Fitness center | 224 |
| Limited-service restaurant | 201 |
| Gas station and truck stop | 144 |
| Coffee shop and snack bar | 144 |
| Full-service restaurant | 91 |
| Hotel and motel | 50 |
| Automotive mechanical repair (car and truck) | 41 |
| Child care center | 40 |
| Liquor store | 34 |
| Beauty salon | 31 |
| Dental office | 30 |
| Urgent care and ambulatory surgery | 21 |
| Car wash | 20 |
| RV park and campground | 17 |
| Medical office (physicians) | 16 |
| Grocery store | 13 |
| Veterinary clinic | 10 |
| Rehabilitation and therapy clinic | 9 |
| Self storage | 7 |
| Assisted living (without nursing care) | 7 |
| Nonresidential lessor (flex, office and retail investor buildings) | 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 |
|---|---|
| Texas | 305 |
| Florida | 237 |
| Georgia | 199 |
| California | 189 |
| North Carolina | 156 |
| Tennessee | 83 |
| Utah | 80 |
| Virginia | 72 |
| South Carolina | 60 |
| Colorado | 59 |
| Illinois | 56 |
| Arizona | 48 |
| Louisiana | 47 |
| Washington | 44 |
| New York | 42 |
| Michigan | 38 |
| Ohio | 35 |
| Pennsylvania | 32 |
| Maryland | 31 |
| Missouri | 30 |
| Indiana | 27 |
| New Jersey | 26 |
| Idaho | 23 |
| Oregon | 22 |
| Oklahoma | 20 |
| Nevada | 17 |
| Alabama | 16 |
| Kansas | 16 |
| Arkansas | 14 |
| Massachusetts | 14 |
| Minnesota | 13 |
| Kentucky | 12 |
| Wisconsin | 12 |
| Connecticut | 9 |
| Iowa | 9 |
| Mississippi | 9 |
| District of Columbia | 6 |
| Nebraska | 6 |
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-14851.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Citizens Bank (TN) or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Request Scope & Timeline
Start with the data.
Contact Us