Citizens Bank (Elizabethton, TN) SBA loans in Utah
Short answer
SBA's loan file shows Citizens Bank (Elizabethton, TN) made 58 SBA loans in Utah since October 2019. 34.5% went to businesses more than two years old, against 16.4% of its loans nationally. The lender made 0.99% of Utah's SBA loans, against 0.46% of loans nationwide.
- SBA loans, Oct 2019 to Jun 2026
- 58
- median loan
- $500,000
- dollars approved
- $43.25M
- went to firms over 2 years old
- 34.5%
This site is not Citizens Bank (Elizabethton, TN)
sbaexpress.loans is not Citizens Bank (Elizabethton, TN), and Citizens Bank (Elizabethton, TN) did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from Citizens Bank (Elizabethton, TN).
These are the 58 SBA 7(a) loans Citizens Bank (Elizabethton, TN) made in Utah approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other.
How Citizens Bank (Elizabethton, TN) differs in Utah
What this means for you. Businesses with more than two years of history got a bigger share of these loans here than elsewhere.
Established businesses
34.5% of the loans in Utah went to businesses more than two years old, against 16.4% of its loans nationally.
Share of the state's loans
Citizens Bank (Elizabethton, TN) made 0.99% of the SBA loans approved in Utah since October 2019, against 0.46% of loans nationwide. Its share here is 2.1 times its national share.
We compared 8 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure.
Utah next to the U.S.
| Measure | Utah | All its U.S. loans | Reading |
|---|---|---|---|
| Lender's share of all SBA loans | 0.99% | 0.46% | Clearly higher |
| Median loan | $500,000 | $496,200 | No clear gap |
| Middle half of loans | $349,175 to $892,500 | $350,000 to $749,975 | – |
| Startups (the loan opens the business) | 41.4% | 52.4% | No clear gap |
| In business 2 years or less | 12.1% | 16.8% | No clear gap |
| In business more than 2 years | 34.5% | 16.4% | Clearly higher |
| Change of ownership | 10.3% | 13.5% | No clear gap |
| SBA Express | 0.0% | Fewer than 5 | No clear gap |
| Lines of credit | 0.0% | Fewer than 5 | No clear gap |
| Median term | 10.4 years | 10.3 years | – |
| Median spread over Prime at approval | 2.75 points over Prime | 2.75 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
What Citizens Bank (Elizabethton, TN) lends to in Utah
The industry below accounts for 6 of the 58 loans approved October 2019 to June 2026, or 10.3%. An industry is listed when it has 5 or more of them, five at most.
| Industry | Loans | Share here | U.S. share |
|---|---|---|---|
| Fitness and Recreational Sports Centers | 6 | 10.3% | 12.7% |
Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries.
Other lenders in Utah
Other lenders in Utah with a clear difference from the national pattern, most loans first.
| Lender | Loans since October 2019 |
|---|---|
| The Huntington National Bank | 182 |
| Celtic Bank | 175 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
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Cite this page: Citizens Bank (Elizabethton, TN) SBA loans in Utah. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/citizens-bank-tn/utah/
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