SBA lender profile
Citizens First Bank
Citizens First Bank appears in the public SBA loan data with 59 funded 7(a) loans since FY2010, totaling $17.0M, an average of $289K per loan, and an estimated 713 jobs supported. Its SBA lending concentrates in Illinois and the Arts, Entertainment, Recreation sector. Across its 7(a) loans, the charge-off rate is 6.8%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 58
- Scale 31
- Activity 45
- Consistency 66
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Citizens First Bank the right lender for you?
Lenders fund what they know. Citizens First Bank's SBA lending concentrates in Illinois (21 loans) and Arts, Entertainment, Recreation (3 loans), at an average loan of $289K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
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 |
|---|---|---|
| Illinois | 21 | $10.1M |
| Iowa | 37 | $6.8M |
| South Carolina | 1 | $135K |
Metro areas where Citizens First Bank funds
What Citizens First Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Arts, Entertainment, Recreation | 3 | $3.4M |
| Manufacturing | 5 | $2.5M |
| Wholesale Trade | 2 | $2.1M |
| Construction | 11 | $1.6M |
| Accommodation and Food Services | 9 | $1.5M |
| Administrative and Support | 6 | $1.3M |
Citizens First Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 3 | $2.4M |
| 2011 | 3 | $392K |
| 2012 | 2 | $935K |
| 2013 | 2 | $548K |
| 2014 | 2 | $3.1M |
| 2015 | 1 | $283K |
| 2019 | 2 | $439K |
| 2020 | 3 | $368K |
| 2021 | 14 | $2.2M |
| 2022 | 14 | $1.7M |
| 2023 | 11 | $4.2M |
| 2024 | 1 | $320K |
| 2025 | 1 | $160K |
Related SBA lenders
Other lenders active in Illinois or in Arts, Entertainment, Recreation.
Comparing lenders? See how to choose an SBA lender by track record.
Citizens First Bank: frequently asked questions
Does Citizens First Bank offer SBA loans?
Yes. Citizens First Bank appears in the public SBA data with 59 funded SBA 7(a) loans totaling $17.0M.
How many SBA loans has Citizens First Bank made?
Citizens First Bank is associated with 59 SBA 7(a) loans totaling $17.0M in the public SBA data (as of 2026-03-31).
What is Citizens First Bank's SBA charge-off rate?
About 6.8% of Citizens First Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Citizens First Bank do most of its SBA lending?
Citizens First Bank's SBA lending in the data is most concentrated in Illinois, and by industry in Arts, Entertainment, Recreation.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Citizens First Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/citizens-first-bank/
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