SBA lender profile
Citizens First Bank
Citizens First Bank appears in the public SBA loan data with 44 funded 7(a) loans totaling $8.9M, an average of $203K per loan, and an estimated 391 jobs supported. Its SBA lending concentrates in Iowa and the Wholesale Trade sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
44
Total volume
$8.9M
Average loan size
$203K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
391
Programs
7(a)
Bank profile
via FDIC- Total assets
- $344M
- Headquarters
- Viroqua, WI
- FDIC cert
- #13032
- Status
- Active
Where Citizens First Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Iowa | 29 | $4.6M |
| Illinois | 14 | $4.2M |
| South Carolina | 1 | $135K |
What Citizens First Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Wholesale Trade | 2 | $2.1M |
| Construction | 11 | $1.6M |
| Accommodation and Food Services | 9 | $1.5M |
| Administrative and Support | 4 | $800K |
| Finance and Insurance | 2 | $685K |
| Health Care and Social Assistance | 3 | $540K |
Citizens First Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 3 | $368K |
| 2021 | 14 | $2.2M |
| 2022 | 14 | $1.7M |
| 2023 | 11 | $4.2M |
| 2024 | 1 | $320K |
| 2025 | 1 | $160K |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Citizens First Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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