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The Lender Report built this page from public records. Citizens Bank of West Virginia, Inc. has not reviewed it. Every lender's page starts this way, and it says nothing about Citizens Bank of West Virginia, Inc. itself. Each figure shows its source and date. Work at Citizens Bank of West Virginia, Inc.? You can claim this page for free.
SBA 7(a) record
Citizens Bank of West Virginia, Inc.: SBA 7(a) loans made
Citizens Bank of West Virginia, Inc., a bank based in Elkins, WV, made 10 SBA 7(a) loans in the 36 months ending September 30, 2026, $2.3M in all, net of cancelled approvals. The typical loan was about $200K, and 1 were in the last 12 months. Most were in West Virginia.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 10
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $2.34M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $200K
- SBA FOIA,
- Largest loan
- $500K
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 1
- SBA FOIA,
Cite this
Source: The Lender Report, Citizens Bank of West Virginia, Inc.: SBA 7(a) loans made, https://lender.report/lender/citizens-bank-of-west-virginia-wv/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| May 2026 | West Virginia | SBA 7(a), Limited-Service Restaurants | $300K | 7.25% | 25 yr | SBA FOIA | |
| Sep 2025 | West Virginia | SBA 7(a), Limited-Service Restaurants | $63K | 9.5% | 5 yr | SBA FOIA | |
| Jan 2025 | West Virginia | SBA 7(a), Retail Trade | $300K | 7.75% | 25 yr | SBA FOIA | |
| Nov 2024 | West Virginia | SBA 7(a), Retail Trade | $100K | 10% | 10 yr | SBA FOIA | |
| Oct 2024 | West Virginia | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $180K | 9% | 20 yr | SBA FOIA | |
| Oct 2024 | West Virginia | SBA 7(a), Other Services (except Public Administration) | $150K | 9.5% | 6 yr | SBA FOIA | |
| Sep 2024 | West Virginia | SBA 7(a), Transportation and Warehousing | $500K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2024 | West Virginia | SBA 7(a), Site Preparation Contractors | $430K | 9.5% | 7 yr | SBA FOIA | |
| Aug 2024 | West Virginia | SBA 7(a), Mobile Food Services | $120K | 10% | 7 yr | SBA FOIA | |
| Oct 2023 | West Virginia | SBA 7(a), All Other Professional, Scientific, and Technical Services | $200K | 10% | 5 yr | SBA FOIA | |
| 10 SBA 7(a) loans since October 2023, net of cancelled | $2.34M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| West Virginia | 10 | $2.34M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 3 | $283K |
| $150K to $350K | 5 | $1.13M |
| $350K to $1M | 2 | $930K |
| $1M to $2.5M | 0 | $0 |
| $2.5M or more | 0 | $0 |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 1 | $200K |
| 2024 Q3 | 3 | $1.05M |
| 2024 Q4 | 3 | $430K |
| 2025 Q1 | 1 | $300K |
| 2025 Q3 | 1 | $63.0K |
| 2026 Q2 | 1 | $300K |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | Loans |
|---|---|
| Limited-Service Restaurants (722513) | 2 |
| All Other Professional, Scientific, and Technical Services (541990) | 1 |
| Mobile Food Services (722330) | 1 |
| Offices of Mental Health Practitioners (except Physicians) (621330) | 1 |
| Other Services (except Public Administration) | 1 |
| Retail Trade | 1 |
| Retail Trade | 1 |
| Site Preparation Contractors (238910) | 1 |
| Transportation and Warehousing | 1 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| SBA Express Program | 10 |
- Citizens Bank of West Virginia, Inc. made 10 SBA 7(a) loans totaling $2.3M in the 36 months ending September 30, 2026, net of cancelled approvals, in 1 state. SBA FOIA,
- 1 of them were in the 12 months to September 30, 2026, and 5 in the 12 months before. SBA FOIA,
- The typical loan was about $200K, with the middle half between $120K and $300K. SBA FOIA,
- The largest was about $500K. Every amount is rounded to 2 significant figures. SBA FOIA,
- 3 loans were under $150K, and 0 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 9.50% on 10 loans, with the middle half between 9.00% and 10.00%. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Its loans went most often to Limited-Service Restaurants, with 2. SBA FOIA,
- The SBA file lists 10 of its loans as processed under SBA Express Program. SBA FOIA,
- Its loans were most often in West Virginia (10). SBA FOIA,
What we don't know
- Whether Citizens Bank of West Virginia, Inc. is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.