Lenders › Citizens Business Bank National Association
7(a) lenderOntario, CaliforniaFDIC-insured bank289th of 2,184 by approvals
Citizens Business Bank National Association
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Citizens Business Bank National Association (Ontario, California) is an FDIC-insured bank in the SBA 7(a) program, 289th of 2,184 by approvals in FY2021 to FY2025: 114 loans worth $96.4M.
In FY2025, the latest complete fiscal year, it had 17 approvals totalling $10.2M, down 35% on FY2024 (26). FY2026 to 30 Jun 2026 adds 14 more.
The median approval was $600K, against $190K for the 7(a) program as a whole; 4.4% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 5 states and territories and 26 counties, led by California (96.5%), Florida (0.9%) and Nevada (0.9%). The largest industry group was construction at 17.5% of approvals, and 2.6% of approvals were to franchise businesses.
Of 1,245 disbursed loans approved in FY2010 to FY2021, SBA records 63 as charged off (5.1%), 1,008 as paid in full and 174 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 14 | $13.3M | $630K | $948K | 223 |
| FY2025 | 17 | $10.2M | $486K | $600K | 327 |
| FY2024 | 26 | $17.1M | $593K | $657K | 831 |
| FY2023 | 22 | $20.3M | $641K | $921K | 633 |
| FY2022 | 17 | $16.3M | $520K | $958K | 405 |
| FY2021 | 32 | $32.5M | $710K | $1.0M | 711 |
| FY2020 | 38 | $34.9M | $500K | $918K | 877 |
| FY2019 | 25 | $16.0M | $376K | $641K | 478 |
| FY2018 | 136 | $88.9M | $440K | $654K | 2,406 |
| FY2017 | 171 | $118M | $418K | $692K | 3,536 |
| FY2016 | 159 | $114M | $440K | $714K | 2,836 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 529 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 1,387 | 79,249 | 639,905 |
| Cancelled or never disbursed | 142 | 10,102 | 79,313 |
| Disbursed loans | 1,245 | 69,147 | 560,592 |
| Paid in full | 1,008 | 52,688 | 435,813 |
| Charged off | 63 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 174 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 5.1% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.9% | 1.5% | 2.5% |
| Dollars charged off | $16.0M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 30 | 15 | 0 | 0.0% | 2.8% |
| FY2020 | 34 | 16 | 1 | 2.9% | 4.0% |
| FY2019 | 25 | 17 | 0 | — | 6.7% |
| FY2018 | 122 | 71 | 8 | 6.6% | 7.9% |
| FY2017 | 161 | 118 | 8 | 5.0% | 7.7% |
| FY2016 | 149 | 120 | 8 | 5.4% | 7.2% |
| FY2015 | 159 | 138 | 11 | 6.9% | 6.9% |
| FY2014 | 105 | 94 | 3 | 2.9% | 6.4% |
| FY2013 | 96 | 87 | 2 | 2.1% | 6.0% |
| FY2012 | 93 | 84 | 4 | 4.3% | 6.3% |
| FY2011 | 130 | 119 | 7 | 5.4% | 6.9% |
| FY2010 | 141 | 129 | 11 | 7.8% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $600K | $190K |
| Average approval | $845K | $518K |
| Approvals of $150,000 or less | 4.4% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 28.1% | 34.3% |
| Approvals to franchise businesses | 2.6% | 11.5% |
| Jobs supported per approval, as reported | 25.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 5.1% | 6.6% |
States served
| # | State of the business (5 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 110 | $91.7M | 96.5% | |
| 2 | Florida | 1 | — | 0.9% | |
| 3 | Nevada | 1 | — | 0.9% | |
| 4 | Arizona | 1 | — | 0.9% | |
| 5 | New Mexico | 1 | — | 0.9% |
In California the lender accounts for 0.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (26 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | San Francisco County, CA | 15 | $14.7M | 13.2% | |
| 2 | Contra Costa County, CA | 15 | $10.4M | 13.2% | |
| 3 | Los Angeles County, CA | 13 | $12.5M | 11.4% | |
| 4 | Alameda County, CA | 13 | $10.6M | 11.4% | |
| 5 | Orange County, CA | 10 | $12.1M | 8.8% | |
| 6 | Santa Clara County, CA | 8 | $5.0M | 7.0% | |
| 7 | Sacramento County, CA | 7 | $5.1M | 6.1% | |
| 8 | San Bernardino County, CA | 6 | $6.0M | 5.3% | |
| 9 | Tulare County, CA | 4 | $1.4M | 3.5% | |
| 10 | Ventura County, CA | 3 | $3.0M | 2.6% | |
| 11 | San Mateo County, CA | 3 | $1.2M | 2.6% | |
| 12 | Fresno County, CA | 2 | — | 1.8% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 20 | 17.5% | |
| 2 | Retail Trade | 11 | 9.6% | |
| 3 | Accommodation and Food Services | 11 | 9.6% | |
| 4 | Manufacturing | 11 | 9.6% | |
| 5 | Professional, Scientific, and Technical Services | 11 | 9.6% | |
| 6 | Health Care and Social Assistance | 10 | 8.8% | |
| 7 | Real Estate and Rental and Leasing | 8 | 7.0% | |
| 8 | Wholesale Trade | 8 | 7.0% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 7.0% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 7 | 6.1% | |
| 3 | Legal ServicesNAICS 5411 | 6 | 5.3% | |
| 4 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 5 | 4.4% | |
| 5 | Activities Related to Real EstateNAICS 5313 | 4 | 3.5% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 3.5% | |
| 7 | Support Activities for Road TransportationNAICS 4884 | 3 | 2.6% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 2.6% | |
| 9 | Lessors of Real EstateNAICS 5311 | 3 | 2.6% | |
| 10 | Machine Shops; Turned Product; and Screw, Nut, and Bolt ManufacturingNAICS 3327 | 3 | 2.6% |
Approval sizes
- $50,001 to $150,0004.4%5
- $150,001 to $350,00024.6%28
- $350,001 to $1 million44.7%51
- $1 million to $2 million19.3%22
- Over $2 million7.0%8
Loan terms
- Over 5 to 10 years52.6%60
- Over 10 to 20 years15.8%18
- Over 20 years31.6%36
Age of the businesses
- Existing, more than 2 years old67.5%77
- New business, 2 years or less11.4%13
- Startup, loan funds will open the business16.7%19
- Change of ownership4.4%5
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 94 | 82.5% | |
| 2 | SBA Express Program | 15 | 13.2% | |
| 3 | International Trade Loans | 3 | 2.6% | |
| 4 | 7a General | 2 | 1.8% |
Franchise share
3 of 114 approvals in FY2021–FY2025 (2.6%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Title Boxing Club | 2 | 1.8% | |
| 2 | ServiceMaster | 1 | 0.9% |
Questions and answers
How many SBA loans does Citizens Business Bank National Association make?
SBA approved 17 7(a) loans through Citizens Business Bank National Association in FY2025, worth $10.2M, and 114 over FY2021 to FY2025. That ranks 289th of 2,184 active 7(a) lenders by number of approvals.
How large are Citizens Business Bank National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $600K and the average $845K. The program-wide median was $190K.
What is Citizens Business Bank National Association's charge-off rate?
Of 1,245 disbursed loans approved in FY2010 to FY2021, SBA records 63 as charged off (5.1%), 1,008 as paid in full and 174 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Citizens Business Bank National Association lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (8); building equipment contractors (7); legal services (6); foundation, structure, and building exterior contractors (5).
Where does Citizens Business Bank National Association make SBA loans?
In 5 states and territories. California 110, Florida 1, Nevada 1, Arizona 1, New Mexico 1. In California it accounts for 0.3% of all 7(a) approvals.
Is Citizens Business Bank National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 65, against 87 in the three before: falling (-25%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error