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
97
2010–2026
Total Volume
$48M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
97 total segments
First Citizens State Bank has a strong focus on the restaurant and food service industry, with 33 deals in this sector, which is over one-third of their total deals. This specialization can benefit borrowers in this industry looking for tailored financing solutions.
With an average 7(a) spread of P+1.95%, First Citizens State Bank offers competitive pricing compared to the national median of P+2.75%. This lower spread can save borrowers money over the life of their loans.
The bank's growth trend shows a decline of 17% year-over-year, indicating a potential tightening in lending. Borrowers should be aware that this may affect approval rates and the bank's willingness to take on new deals.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 6 504 loans, which use fixed SBA debenture rates.
States where First Citizens State Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Real Estate
Real Estate
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for First Citizens State Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 10 | P+2.13% | $249K | Q3 2022 |
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.63% | $97K | Q3 2024 |
| Wisconsin · Restaurants & Food Service · $350K – $500K | 7(a) | 6 | P+2.00% | $474K | Q3 2020 |
| Wisconsin · Restaurants & Food Service · $1M – $2M | 7(a) | 5 | P+2.75% | $1.4M | Q2 2024 |
| Wisconsin · Retail Trade · Under $150K | 7(a) | 5 | P+1.00% | $120K | Q1 2018 |
| Wisconsin · Manufacturing · $500K – $1M | 7(a) | 4 | P+0.50% | $888K | Q4 2025 |
| Wisconsin · Other Professional Services · Under $150K | 7(a) | 3 | P+2.75% | $25K | Q3 2012 |
| Wisconsin · Real Estate · Under $150K | 7(a) | 3 | P+2.75% | $96K | Q3 2014 |
| Wisconsin · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.00% | $67K | Q4 2015 |
| Wisconsin · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+2.50% | $94K | Q3 2016 |
| Wisconsin · Real Estate · $150K – $350K | 7(a) | 3 | P+2.75% | $317K | Q2 2022 |
| Wisconsin · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.75% | $119K | Q1 2014 |
| Wisconsin · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+1.88% | $75K | Q3 2016 |
| Wisconsin · Auto Dealers & Parts · $500K – $1M | 7(a) | 2 | P+2.38% | $665K | Q2 2011 |
| Kansas · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+1.38% | $430K | Q1 2025 |
| Wisconsin · Specialty Trade Contractors · $350K – $500K | 7(a) | 2 | P+1.63% | $430K | Q2 2025 |
| Wisconsin · Engineering & Architecture · Under $150K | 7(a) | 2 | P+2.13% | $95K | Q2 2016 |
| Wisconsin · Transportation & Warehousing · $2M – $5M | 7(a) | 2 | P+2.25% | $3.3M | Q3 2011 |
| Wisconsin · Real Estate · $350K – $500K | 7(a) | 1 | P+1.50% | $433K | Q3 2022 |
| Wisconsin · Real Estate · $500K – $1M | 7(a) | 1 | P+2.50% | $608K | Q4 2017 |
| Wisconsin · Education · $150K – $350K | 7(a) | 1 | P+1.00% | $273K | Q1 2025 |
| Wisconsin · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 1 | P+2.00% | $350K | Q2 2022 |
| Wisconsin · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 1 | P+1.75% | $609K | Q4 2018 |
| Wisconsin · Agriculture & Forestry · $1M – $2M | 504 | 1 | — | $1.7M | Q4 2024 |
| Wisconsin · Auto Repair & Maintenance · $1M – $2M | 504 | 1 | — | $1.2M | Q3 2022 |
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