Citizens Business Bank National Association: SBA Lending Record
What SBA's own loan files show about Citizens Business Bank National Association as an SBA lender, and how a lender's record bears on a feasibility study.
Citizens Business Bank National Association holds 500 loans approved from FY2017 to FY2026, worth $369.1 million gross. 500 loans, all in 7(a), stand against Citizens Business Bank National Association; none are 504. Citizens Business Bank National Association has 500 loans assigned to it. Citizens Business Bank National Association holds 500 loans that SBA guarantees.
Citizens Business Bank National Association: classes and states
Citizens Business Bank National Association lists Full-service restaurant, 38, Limited-service restaurant, 22, Coffee shop and snack bar, 12, Fitness center, 11 and Child care center, 11 loans among its leading classes. The largest Citizens Business Bank National Association group, 335 loans, fits no tracked class. Citizens Business Bank National Association lists one state: California, 491 loans.
Citizens Business Bank National Association loans after approval
Citizens Business Bank National Association approvals cancelled after approval, FY2017 to FY2024: 7.7%, a floor. Citizens Business Bank National Association upper bound: withheld under Loan Analytics' rule. Citizens Business Bank National Association gets neither zero nor an estimate. 4.6% is the Citizens Business Bank National Association charge-off floor. The cohort of 372 Citizens Business Bank National Association loans was disbursed in FY2017 to FY2021. Citizens Business Bank National Association charge-offs within five years of approval: 1.9%. Citizens Business Bank National Association: read each rate as a floor.
Citizens Business Bank National Association in a feasibility study
Citizens Business Bank National Association: 38 loans in the Full-service restaurant class. Citizens Business Bank National Association study must prove occupancy cost. 38 Full-service restaurant loans leave seating demand open. Citizens Business Bank National Association history says nothing on comparable sales. Citizens Business Bank National Association lists 22 loans in the Limited-service restaurant class. Citizens Business Bank National Association study needs occupancy cost. Citizens Business Bank National Association: labour and food cost remains open across 22 Limited-service restaurant loans. Citizens Business Bank National Association total of $369.1 million says nothing about any one site. 335 Citizens Business Bank National Association loans fit no tracked class. At Citizens Business Bank National Association, the project must carry the case. For 491 Citizens Business Bank National Association loans in California, local evidence still decides. Citizens Business Bank National Association should be asked directly what it needs. 500 loans at Citizens Business Bank National Association do not measure demand at one site. Citizens Business Bank National Association: competing supply near the site matters most. Citizens Business Bank National Association study: written support behind each revenue figure. Citizens Business Bank National Association request: build cost quoted, not assumed. Citizens Business Bank National Association request: coverage holds on cautious revenue. Citizens Business Bank National Association history cannot stand in for an appraisal. Citizens Business Bank National Association study needs a downside case in writing. Citizens Business Bank National Association: state assumptions, test coverage, support value. Citizens Business Bank National Association lists 500 loans and $369.1 million in gross approvals. Citizens Business Bank National Association equity belongs in the study.
Citizens Business Bank National Association cancellation floors stop at FY2024 approvals. Citizens Business Bank National Association totals add FY2025 and FY2026 approvals. Citizens Business Bank National Association cohort: 372 loans disbursed in FY2017 to FY2021. Citizens Business Bank National Association figures describe loans held, not lender practices. 500 loans cannot predict one new request to Citizens Business Bank National Association. Citizens Business Bank National Association withheld values are never zeros or estimates.
SBA loans held by Citizens Business Bank National Association
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 | 500 |
|---|---|
| Gross dollars approved | $369.1 million |
| SBA 7(a) loans | 500 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.7% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.6% |
| Charged off within five years of approval | 1.9% |
| Loans in that cohort | 372 |
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 | 335 |
| Full-service restaurant | 38 |
| Limited-service restaurant | 22 |
| Coffee shop and snack bar | 12 |
| Fitness center | 11 |
| Child care center | 11 |
| Automotive mechanical repair (car and truck) | 10 |
| Grocery store | 8 |
| Gas station and truck stop | 6 |
| Beverage manufacturing (breweries, wineries, distilleries) | 6 |
| Dental office | 6 |
| Assisted living (without nursing care) | 5 |
| Hotel and motel | 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 |
|---|---|
| California | 491 |
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-21716.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- Feasibility studies for SBA 7(a) and 504 loans
- CDC Small Business Finance Corp.: SBA Lending Record
- The Mortgage Capital Development Corporation: SBA Lending Record
- Lendistry SBLC, LLC: SBA Lending Record
- Bank of Hope: SBA Lending Record
- Harvest Small Business Finance, LLC: SBA Lending Record
- Business Finance Capital: SBA Lending Record
- California Statewide Certified Development Corporation: SBA Lending Record
- Hanmi Bank: SBA Lending Record
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