SBA lender profile
First Citizens State Bank
First Citizens State Bank appears in the public SBA loan data with 23 funded 7(a) loans totaling $12.5M, an average of $545K per loan, and an estimated 661 jobs supported. Its SBA lending concentrates in Wisconsin and the Accommodation and Food Services 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
23
Total volume
$12.5M
Average loan size
$545K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
661
Programs
7(a)
Bank profile
via FDIC- Total assets
- $511M
- Headquarters
- Whitewater, WI
- FDIC cert
- #11228
- Status
- Active
Where First Citizens State Bank lends
Top states by funded SBA volume.
What First Citizens State Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 11 | $5.7M |
| Retail Trade | 2 | $2.5M |
| Wholesale Trade | 2 | $1.3M |
| Real Estate | 2 | $783K |
| Information | 1 | $612K |
| Manufacturing | 1 | $550K |
First Citizens State Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 3 | $1.6M |
| 2021 | 4 | $2.7M |
| 2022 | 6 | $3.4M |
| 2023 | 1 | $500K |
| 2024 | 2 | $1.4M |
| 2025 | 4 | $2.1M |
| 2026 | 3 | $936K |
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 First Citizens State 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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