STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
254
2010–2026
Total Volume
$102M
Gross loan amounts
States Active
9
With recorded loans
Programs
7(a) & 504
254 total segments
Citizens State Bank has a strong focus on existing businesses, with 53% of their deals serving this purpose. This makes them a good choice for established companies looking for financing.
With an average 7(a) spread of P+1.94%, Citizens State Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Despite a solid presence in the SBA market, Citizens State Bank's deal volume has declined by 20% year-over-year. This trend may indicate a tightening of their lending criteria, so be prepared for a potentially rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 55 504 loans, which use fixed SBA debenture rates.
States where Citizens State Bank has recorded SBA lending activity.
+ 4 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Other Repair & Services
Other Services
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Citizens State Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Manufacturing · Under $150K | 7(a) | 14 | P+1.75% | $70K | Q2 2018 |
| Wisconsin · Administrative & Waste Services · Under $150K | 7(a) | 8 | P+2.00% | $55K | Q2 2018 |
| Nebraska · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+2.75% | $36K | Q3 2018 |
| Minnesota · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.25% | $92K | Q2 2024 |
| Wisconsin · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.25% | $63K | Q4 2024 |
| Wisconsin · Manufacturing · $150K – $350K | 7(a) | 5 | P+1.00% | $286K | Q3 2020 |
| Iowa · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.63% | $113K | Q4 2019 |
| Wisconsin · Manufacturing · $500K – $1M | 7(a) | 4 | P+1.25% | $643K | Q4 2022 |
| Kansas · Manufacturing · Under $150K | 7(a) | 4 | P+2.38% | $95K | Q1 2016 |
| Iowa · Retail Trade · Under $150K | 7(a) | 3 | P+2.00% | $131K | Q3 2021 |
| Wisconsin · Administrative & Waste Services · $150K – $350K | 7(a) | 3 | P+1.50% | $269K | Q4 2022 |
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.00% | $108K | Q2 2023 |
| Kansas · Retail Trade · Under $150K | 7(a) | 3 | P+2.75% | $73K | Q2 2012 |
| Wisconsin · Other Repair & Services · Under $150K | 7(a) | 3 | P+2.00% | $92K | Q1 2024 |
| Minnesota · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.38% | $253K | Q2 2024 |
| Wisconsin · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+2.74% | $52K | Q3 2022 |
| Iowa · General Merchandise · Under $150K | 7(a) | 2 | P+2.25% | $61K | Q3 2020 |
| Minnesota · Food & Beverage Stores · $1M – $2M | 7(a) | 2 | P+1.75% | $1.2M | Q1 2022 |
| Wisconsin · Real Estate · $1M – $2M | 7(a) | 2 | P+2.15% | $1.4M | Q1 2013 |
| Kansas · Manufacturing · $350K – $500K | 7(a) | 2 | P+4.25% | $452K | Q1 2011 |
| Wisconsin · Other Repair & Services · $500K – $1M | 504 | 2 | — | $897K | Q2 2023 |
| Iowa · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.75% | $113K | Q1 2013 |
| Wisconsin · Manufacturing · $150K – $350K | 504 | 2 | — | $195K | Q3 2017 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 2 | P+1.25% | $119K | Q1 2022 |
| Wisconsin · Wholesale Trade · $350K – $500K | 504 | 2 | — | $411K | Q3 2013 |
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