Lender record
Citizens Trust Bank
The real lending record — every figure from funded deals. HQ: 965 Martin Luther King Jr Dr Nw, Atlanta, GA. 7 branches.
6
Recent deals (FY20+)
$395K
Typical deal
—
Approval → funding
Where Citizens Trust Bank lends
Deals Citizens Trust Bank funded — list all 6 as text
- Sagra 535 LLC — Atlanta · $587K · FY2026 · Full-Service Restaurants
- Sonny Grove Consulting, LLC — Fayetteville · $286K · FY2026 · Offices of Mental Health Practitioners (except Physicians)
- Guy Time International Travel LLC — Carrollton · $382K · FY2025 · General Freight Trucking, Local
- Jones Co. Ventures LLC — Cumming · $500K · FY2021 · Limited-Service Restaurants
- Cigaros Austell, LLC — Austell · $395K · FY2021 · Full-Service Restaurants
- Barnes Technology Group, LLC., — Sandy Springs · $300K · FY2021 · Electronics Stores
Deal profile
Most Citizens Trust Bank deals land between $300K and $500K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
- 1.Full-Service Restaurants (2)
- 2.Offices of Mental Health Practitioners (except Physicians) (1)
- 3.General Freight Trucking, Local (1)
- 4.Limited-Service Restaurants (1)
- 5.Electronics Stores (1)
Most active states
- 1.Georgia (6 deals)
Franchises they finance most
Can Citizens Trust Bank fund you? The bank behind the loans
Total assets
$786.8M
▼ 1.1% vs prior quarter
Deposits on hand
$669.6M
▼ 1.9% vs prior quarter
Loans outstanding
$380.1M
▲ 1.1% vs prior quarter
Net income (latest qtr)
$3.0M
- •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Citizens Trust Bank more SBA-focused than 50% of the banks on our record.
- •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
- •Return on assets of 1.52% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 03/2026.
Walk into a Citizens Trust Bank branch (7)
Citizens Trust BankMain office965 Martin Luther King Jr Dr NwAtlanta, GA 30314 · since 1921
Eutaw Branch213 Main StEutaw, AL 35462 · since 1956
Third Avenue Branch1700 3rd Ave NBirmingham, AL 35203 · since 1956
Panola Road Branch2727 Panola RdLithonia, GA 30058 · since 1989
East Point Branch2840 E Point StEast Point, GA 30344 · since 1995
Rockbridge Plaza Branch5771 Rockbridge RdStone Mountain, GA 30087 · since 1996
Cascade Branch3705 Cascade Rd SwAtlanta, GA 30331 · since 2019
Branch data: FDIC BankFind.
Recent deals
- Sagra 535 LLC in Atlanta, GA — $587K (2026) · Full-Service Restaurants
- Program
- 7a General
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $440K (75%)
- Approved
- 12/5/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Your business? Claim this record · Request removal
- Sonny Grove Consulting, LLC in Fayetteville, GA — $286K (2026) · Offices of Mental Health Practitioners (except Physicians)
- Program
- 7a General
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $214K (75%)
- Approval → funding
- 48 days
- Approved
- 11/20/2025
- First disbursed
- 1/7/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Success On The Spectrum
- Jobs supported
- 31
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Mental Health Practitioners (except Physicians)
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- Guy Time International Travel LLC in Carrollton, GA — $382K (2025) · General Freight Trucking, Local
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $287K (75%)
- Approval → funding
- 37 days
- Approved
- 4/29/2025
- First disbursed
- 6/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Existing or more than 2 years old
- Industry
- General Freight Trucking, Local
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- Jones Co. Ventures LLC in Cumming, GA — $500K (2021) · Limited-Service Restaurants
- Program
- 7a General
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $450K (90%)
- Approved
- 8/29/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Rising Roll
- Jobs supported
- 22
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
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- Cigaros Austell, LLC in Austell, GA — $395K (2021) · Full-Service Restaurants
- Program
- 7a General
- Rate at approval
- 6% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $356K (90%)
- Approved
- 9/9/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 42
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
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- Barnes Technology Group, LLC., in Sandy Springs, GA — $300K (2021) · purchase · Electronics Stores
- Program
- 7a General
- Rate at approval
- 6% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $270K (90%)
- Approval → funding
- 32 days
- Approved
- 9/10/2021
- First disbursed
- 10/12/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Experimax f/k/a Experimac
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Electronics Stores
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $3,331
- Annual debt service
- $40K
- Cash flow needed (1.25×)
- $50K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
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Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
One of these businesses yours? Claim your listing or request removal.
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Businesses Citizens Trust Bank financed
6 businesses on record. Each links to its full SBA record.
- Sagra 535 LLCAtlanta, GA · 1 loan$587K
- Jones Co. Ventures LLCCumming, GA · 1 loan$500K
- Cigaros Austell, LLCAustell, GA · 1 loan$395K
- Guy Time International Travel LLCCarrollton, GA · 1 loan$382K
- Barnes Technology Group, LLC.,Sandy Springs, GA · 1 loan$300K
- Sonny Grove Consulting, LLCFayetteville, GA · 1 loan$286K
Work at Citizens Trust Bank?
Claim this profile to keep your record accurate, route buyer leads to your team, or sponsor your placement in the rankings.
CapBench analysis of public lending records, FY2020–present. Not affiliated with Citizens Trust Bank.
Agent summary
This page summarizes Citizens Trust Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.
- 6 SBA 7(a) loans on record
- $395K typical deal
- 1 business-acquisition loans
- HQ: 965 Martin Luther King Jr Dr Nw, Atlanta, GA
- 7 FDIC branch locations
- FDIC total assets $786.8M
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.
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