GOOD
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
176
2010–2025
Total Volume
$46M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
176 total segments
Citizens State Bank of La Crosse has a strong focus on existing businesses, with 61% of their deals supporting established companies. This is beneficial if you're looking to expand or refinance an existing operation.
With an average 7(a) spread of P+2.37%, 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.
The bank's 14% share of 504 loans indicates a balanced approach to lending, which is useful if you're considering real estate investments alongside business operations. However, it's slightly below the national average of ~18%, so if your focus is heavily on 504 financing, you may want to explore other options.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 25 504 loans, which use fixed SBA debenture rates.
States where Citizens State Bank of La Crosse has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Personal Care (Salons, Spas)
Other Services
Other Health Practitioners
Health Care & Social Assistance
Other Repair & Services
Other Services
+ 7 more
All recorded SBA lending activity for Citizens State Bank of La Crosse, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 15 | P+2.50% | $75K | Q4 2022 |
| Wisconsin · Manufacturing · Under $150K | 7(a) | 12 | P+2.25% | $80K | Q4 2023 |
| Wisconsin · Specialty Trade Contractors · Under $150K | 7(a) | 8 | P+3.13% | $48K | Q3 2020 |
| Wisconsin · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+2.50% | $71K | Q4 2023 |
| Wisconsin · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.25% | $81K | Q1 2020 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.00% | $221K | Q3 2022 |
| Wisconsin · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+2.50% | $84K | Q4 2022 |
| Wisconsin · Manufacturing · $150K – $350K | 7(a) | 4 | P+1.75% | $235K | Q2 2019 |
| Wisconsin · Management & IT Consulting · Under $150K | 7(a) | 4 | P+2.00% | $68K | Q2 2021 |
| Wisconsin · Other Repair & Services · Under $150K | 7(a) | 4 | P+3.00% | $58K | Q3 2017 |
| Wisconsin · Retail Trade · Under $150K | 7(a) | 4 | P+2.63% | $49K | Q3 2020 |
| Wisconsin · Other Health Practitioners · $150K – $350K | 7(a) | 3 | P+2.00% | $199K | Q2 2025 |
| Wisconsin · General Merchandise · Under $150K | 7(a) | 3 | P+2.25% | $42K | Q4 2019 |
| Wisconsin · Finance & Insurance · Under $150K | 7(a) | 3 | P+2.50% | $66K | Q3 2023 |
| Wisconsin · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.25% | $62K | Q2 2021 |
| Wisconsin · Transportation & Warehousing · $150K – $350K | 7(a) | 3 | P+2.50% | $245K | Q3 2022 |
| Wisconsin · Retail Trade · $500K – $1M | 7(a) | 2 | P+2.13% | $670K | Q2 2016 |
| Wisconsin · Other Professional Services · $150K – $350K | 7(a) | 2 | P+1.75% | $325K | Q4 2021 |
| Illinois · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+2.25% | $63K | Q1 2024 |
| Wisconsin · Transportation & Warehousing · $500K – $1M | 7(a) | 2 | P+2.25% | $923K | Q1 2025 |
| Minnesota · Education · Under $150K | 7(a) | 2 | P+1.63% | $68K | Q2 2023 |
| Wisconsin · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.50% | $81K | Q1 2021 |
| Wisconsin · Physician & Dental Offices · $500K – $1M | 504 | 2 | — | $621K | Q3 2021 |
| Wisconsin · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.25% | $430K | Q3 2013 |
| Minnesota · Administrative & Waste Services · $1M – $2M | 7(a) | 2 | P+2.50% | $1.3M | Q1 2020 |
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Real experiences from borrowers who closed SBA loans with Citizens State Bank of La Crosse.
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