Citizens Bank & Trust Co
Headquartered in Hutchinson, MN. Analysis based on 83 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $12.4M.
Total 7(a) loans
83
Total approved
$12.4M
Average loan
$150K
States funded in
1
Charge-off rate
1.61%
FY2020–FY2023 cohort
Paid-in-full rate
41.94%
Average rate
6.81%
Average term
90 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 621310 | Offices of Chiropractors | 5 |
| 722511 | Full-Service Restaurants | 5 |
| 621420 | Outpatient Mental Health and Substance Abuse Centers | 3 |
| 445210 | Meat Markets | 3 |
| 238210 | Electrical Contractors | 3 |
| 551112 | Offices of Other Holding Companies | 3 |
| 722513 | Limited-Service Restaurants | 3 |
| 811111 | General Automotive Repair | 3 |
| 339950 | Sign Manufacturing | 2 |
| 115112 | Soil Preparation, Planting, and Cultivating | 2 |
Top 10 states
| State | Loans |
|---|---|
| MN | 83 |
Top franchise brands financed
3 franchise loans across 3 distinct brands.
| Franchise | Loans |
|---|---|
| Slumberland | 1 |
| Subway | 1 |
| Nautical Bowls | 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.