
Business Lending
You need money. We understand. Let Citizens Bank & Trust tailor a business loan to fit your financial needs.
As an independently owned community bank, our loan decisions are made locally by people you know and trust. Our experienced Commercial Lenders live in the communities we serve and stay up-to-date on local market trends and the credit needs of our customers. We offer customized loan solutions for business owners, including:
- Commercial Real Estate
- Owner Occupied (purchase, refinance, construction)
- Non-owner occupied
- Vacant land
- Property acquisition & development
- Inventory / Accounts Receivables
- Equipment
- Revolving lines of credit
- Agricultural
- Aircraft
- Working Capital
Contact one of our Commercial Lenders listed below or visit your nearest Citizens Bank & Trust location for more information on applying for a business loan.
Equal Opportunity Lender – Loans Subject to Credit and Underwriting approvals. Other requirements or restrictions may apply. See Lender for details.
Commercial Lending Team

JASON DANIEL
First VP, Commercial Lending
NMLS ID# 768529
863-324-4720
Jason.Daniel@citizens-bank.com

PATRICK FAGAN
First VP, Commercial Lending
NMLS ID# 1146226
863-686-1430
Patrick.Fagan@citizens-bank.com

BRIAN MARBUTT
First VP, Commercial Lending
NMLS ID# 768531
863-676-7631
Brian.Marbutt@citizens-bank.com

RANDY STOLBERG
First VP, Market Executive
NMLS ID# 805144
813-657-8989
Randy.Stolberg@citizens-bank.com

STEVEN WAGNER
Vice President, Commercial Lending
NMLS ID# 1615298
863-686-1430
Steven.wagner@citizens-bank.com
Please do not send confidential information when emailing Citizens Bank & Trust staff.
Easy Access
Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.