The Citizens Bank of Edmond

This is a local bank offering SBA loan programs and financial services to small businesses in the Edmond area. You can find assistance with business financing, loan applications, and personalized banking solutions tailored to your needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours.

The Citizens Bank of Edmond's main offices are open 7:00 AM to 7:00 PM Monday through Friday, with 24/7 access available through their telebanker service at 405.359.2669 and enrolled members can access Interactive Teller Machines 24/7. Please confirm current hours with the bank directly.

There are no fees for visiting the bank; however, loan processing and application fees may apply depending on the service.

This bank primarily serves local residents and small business owners in Edmond and the surrounding areas.

A minimum personal credit score of 640 is generally preferred, but other factors are also considered during the approval process.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.

Yes, The Citizens Bank of Edmond is open on Saturdays from 8:00 AM to 2:00 PM at their main locations. Confirm current weekend hours directly with the bank.

The Citizens Bank of Edmond is located in Oklahoma — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for The Citizens Bank of Edmond, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Citizens Bank of Edmond itself, which runs its own lending under its own ownership. If you work at The Citizens Bank of Edmond, you can claim this listing from this page to manage it.

The core details for The Citizens Bank of Edmond — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with The Citizens Bank of Edmond before applying. If you represent The Citizens Bank of Edmond, claim this listing to keep its information up to date.

You can reach The Citizens Bank of Edmond by phone at (405) 341-6650 or email info@mycitizens.bank. For SBA loans specifically, ask for their business lending department. Please confirm contact details with the bank.

Based on its approved SBA loans, The Citizens Bank of Edmond most often finances businesses in food manufacturing & processing, restaurants & food service, and general retail. This reflects The Citizens Bank of Edmond's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with The Citizens Bank of Edmond which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether The Citizens Bank of Edmond participates in SBA Express depends on its specific SBA lending authority. Contact The Citizens Bank of Edmond and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. The Citizens Bank of Edmond can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. The Citizens Bank of Edmond's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Citizens Bank of Edmond directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask The Citizens Bank of Edmond what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask The Citizens Bank of Edmond to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with The Citizens Bank of Edmond to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. The Citizens Bank of Edmond weighs this case by case under its own policy, so be upfront about your history and ask The Citizens Bank of Edmond how it evaluates prior bankruptcies.