U Citizens
How we got $725K
Based on its 1 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
Signs of a sale Some signs of a sale
- In business 31 years (since 1995)
From public records and the company's website, not a statement that it's for sale.
What they do
First Citizens Bank has Oklahoma City branch locations offering checking, savings, and digital banking accounts. The pages describe the bank as focused on people and long-term relationships under the Forever First motto.
From the company's website. Industry: Banks & credit unions.
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| U CITIZENS this business | $725K | — |
| Oklahoma City (Quail Creek) - 12000 N. Pennsylvania Ave. Oklahoma City | $1.8M | 0.0 mi |
| Oklahoma Fidelity Bank - Hefner Oklahoma City | $1.8M | 0.8 mi |
| Cornerstone Bank Oklahoma City | $3.6M | 0.9 mi |
| City National Bank & Trust Oklahoma City | $1.8M | 0.9 mi |
| Equity Bank Oklahoma City | $1.8M | 1.0 mi |
| Quail Creek Investment Center Oklahoma City | $1.8M | 1.1 mi |
The full calculation
| Employees reported to the SBA | 1 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $708K |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $572K |
| Estimate: the two combined (geometric mean) | $725K |
| EBITDA margin (industry, adjusted for size) | 45% |
| EBITDA = revenue × margin | $326K |
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
| Revenue range | $477K – $827K |
| EBITDA range | $215K – $372K |
| Industry (NAICS) | Commercial Banking (522110) |
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: US Economic Census 2022, OK. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Full methodology
History & advisors
Advisors
- BankingCross River BankPPP / SBA lender
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
Banking relationships
| Cross River Bank PPP 2020 | All 589 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 7/16/2020 | first | $14K | 1 |
Public records
Matched to this business by name and address from public government data; a match can occasionally be wrong.
About U Citizens
U Citizens is a banks & credit unions company in Oklahoma City, Oklahoma, in business since 1995. Its estimated annual revenue is about $725K, with roughly $326K of EBITDA. It has about 1 employees.
Common questions
- Who owns U Citizens?
- The owner of U Citizens isn't in public records we've found yet. If you own or run the business, you can add or correct its details on SeeBITDA.
- How much revenue does U Citizens make?
- SeeBITDA estimates U Citizens's annual revenue at about $725K (likely between $477K and $827K), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- How many employees does U Citizens have?
- About 1, as reported on its PPP loan.
- When was U Citizens founded?
- U Citizens has been in business since 1995.