Citizens Bank, National Association
Citizens Bank, National Association is an SBA 7(a) lender that has approved 534 loans totaling $359.4M between FY2020 and Q1 FY2026 (2025-12-31), with a 0.00% charge-off rate on mature loans. Average loan size: $673K. Active in 17 states. Headquartered in PROVIDENCE, RI.
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 23 |
| 722513 | Limited-Service Restaurants | 16 |
| 238350 | Finish Carpentry Contractors | 11 |
| 541990 | All Other Professional, Scientific, and Technical Services | 11 |
| 541511 | Custom Computer Programming Services | 10 |
| 238990 | All Other Specialty Trade Contractors | 10 |
| 811111 | General Automotive Repair | 10 |
| 561730 | Landscaping Services | 9 |
| 238210 | Electrical Contractors | 8 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 |
Top 10 states
| State | Loans |
|---|---|
| MA | 107 |
| PA | 72 |
| MI | 70 |
| RI | 52 |
| NY | 52 |
| CT | 46 |
| NJ | 39 |
| OH | 38 |
| NH | 30 |
| FL | 11 |
Top franchise brands financed
27 franchise loans across 24 distinct brands.
| Franchise | Loans |
|---|---|
| Edible Arrangements | 2 |
| Dairy Queen - Store Agreement | 2 |
| Komptech Americas LLC - Distri | 2 |
| Freshii | 1 |
| Tire Pros | 1 |
| Pump It Up | 1 |
| USA MOBILE DRUG TESTING | 1 |
| CertaPro Painters | 1 |
| Tropical Smoothie Cafe | 1 |
| VP Racing Fuels, Inc. - Brande | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.