SBA lender profile
Citizens State Bank
Citizens State Bank appears in the public SBA loan data with 179 funded 7(a) loans since FY2010, totaling $56.8M, an average of $317K per loan, and an estimated 2,172 jobs supported. Its SBA lending concentrates in Wisconsin and the Health Care and Social Assistance sector. Across its 7(a) loans, the charge-off rate is 3.9%. 26.3% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 67
- Scale 61
- Activity 58
- Consistency 86
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Citizens State Bank the right lender for you?
Lenders fund what they know. Citizens State Bank's SBA lending concentrates in Wisconsin (83 loans) and Health Care and Social Assistance (26 loans), at an average loan of $317K. 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
- $169M
- Headquarters
- New Baltimore, MI
- FDIC cert
- #1006
- Status
- Inactive
Where Citizens State Bank lends
Top states by funded SBA volume.
Metro areas where Citizens State Bank funds
What Citizens State Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Health Care and Social Assistance | 26 | $11.1M |
| Manufacturing | 33 | $10.1M |
| Retail Trade | 20 | $7.5M |
| Accommodation and Food Services | 26 | $4.9M |
| Other Services | 21 | $4.6M |
| Construction | 11 | $3.4M |
Citizens State Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 13 | $7.6M |
| 2011 | 15 | $6.4M |
| 2012 | 4 | $2.5M |
| 2013 | 7 | $3.9M |
| 2014 | 6 | $1.2M |
| 2015 | 14 | $1.3M |
| 2016 | 16 | $3.9M |
| 2017 | 8 | $858K |
| 2018 | 16 | $3.5M |
| 2019 | 5 | $1.6M |
| 2020 | 11 | $4.9M |
| 2021 | 6 | $1.3M |
| 2022 | 17 | $4.3M |
| 2023 | 14 | $3.2M |
| 2024 | 14 | $4.6M |
| 2025 | 10 | $2.3M |
| 2026 | 3 | $3.4M |
Related SBA lenders
Other lenders active in Wisconsin or in Health Care and Social Assistance.
Comparing lenders? See how to choose an SBA lender by track record.
Citizens State Bank: frequently asked questions
Does Citizens State Bank offer SBA loans?
Yes. Citizens State Bank appears in the public SBA data with 179 funded SBA 7(a) loans totaling $56.8M.
How many SBA loans has Citizens State Bank made?
Citizens State Bank is associated with 179 SBA 7(a) loans totaling $56.8M in the public SBA data (as of 2026-03-31).
What is Citizens State Bank's SBA charge-off rate?
About 3.9% of Citizens State 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 State Bank do most of its SBA lending?
Citizens State Bank's SBA lending in the data is most concentrated in Wisconsin, and by industry in Health Care and Social Assistance.
Is Citizens State Bank an SBA Preferred Lender (PLP)?
The loan record shows Citizens State Bank operating under PLP delegated authority: 47 of its 7(a) loans (26.3%) were processed through the Preferred Lenders Program, including 12 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
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 State Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/citizens-state-bank/
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