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The Lender Report built this page from public records. First Citizens State Bank has not reviewed it. Every lender's page starts this way, and it says nothing about First Citizens State Bank itself. Each figure shows its source and date. Work at First Citizens State Bank? You can claim this page for free.
SBA 7(a) record
First Citizens State Bank: SBA 7(a) loans made
First Citizens State Bank, a bank based in Whitewater, WI, made 9 SBA 7(a) loans in the 36 months ending September 30, 2026, $3.3M in all, net of cancelled approvals. The typical loan was about $360K, and 4 were in the last 12 months. Most were in Wisconsin.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 9
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $3.27M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $360K
- SBA FOIA,
- Largest loan
- $800K
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 4
- SBA FOIA,
Cite this
Source: The Lender Report, First Citizens State Bank: SBA 7(a) loans made, https://lender.report/lender/first-citizens-state-bank-wi/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jun 2026 | Wisconsin | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $250K | 7% | 1 yr | SBA FOIA | |
| Feb 2026 | Wisconsin | SBA 7(a), Full-Service Restaurants | $360K | 8.25% | 10 yr | SBA FOIA | |
| Feb 2026 | Wisconsin | SBA 7(a), Site Preparation Contractors | $26K | 7.5% | 5 yr | SBA FOIA | |
| Nov 2025 | Wisconsin | SBA 7(a), Manufacturing | $550K | 7% | 10 yr | SBA FOIA | |
| Apr 2025 | Wisconsin | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $500K | 8% | 1 yr | SBA FOIA | |
| Jan 2025 | Kansas | SBA 7(a), Limited-Service Restaurants | $480K | 8.5% | 10 yr | SBA FOIA | |
| Jan 2025 | Wisconsin | SBA 7(a), Sports and Recreation Instruction | $270K | 8.5% | 8 yr | SBA FOIA | |
| Dec 2024 | Wisconsin | SBA 7(a), Other Miscellaneous Durable Goods Merchant Wholesalers | $800K | 7% | 10 yr | SBA FOIA | |
| Sep 2024 | Wisconsin | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $29K | 9% | 5 yr | SBA FOIA | |
| 9 SBA 7(a) loans since October 2023, net of cancelled | $3.27M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| Wisconsin | 8 | $2.79M |
| Kansas | 1 | $480K |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 2 | $55.0K |
| $150K to $350K | 2 | $520K |
| $350K to $1M | 5 | $2.69M |
| $1M to $2.5M | 0 | $0 |
| $2.5M or more | 0 | $0 |
| Quarter | Loans | Dollars |
|---|---|---|
| 2024 Q3 | 1 | $29.0K |
| 2024 Q4 | 1 | $800K |
| 2025 Q1 | 2 | $750K |
| 2025 Q2 | 1 | $500K |
| 2025 Q4 | 1 | $550K |
| 2026 Q1 | 2 | $386K |
| 2026 Q2 | 1 | $250K |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | Loans |
|---|---|
| Electrical Contractors and Other Wiring Installation Contractors (238210) | 2 |
| Full-Service Restaurants (722511) | 1 |
| Limited-Service Restaurants (722513) | 1 |
| Manufacturing | 1 |
| Other Miscellaneous Durable Goods Merchant Wholesalers (423990) | 1 |
| Site Preparation Contractors (238910) | 1 |
| Snack and Nonalcoholic Beverage Bars (722515) | 1 |
| Sports and Recreation Instruction (611620) | 1 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Preferred Lenders Program | 6 |
| SBA Express Program | 3 |
- First Citizens State Bank made 9 SBA 7(a) loans totaling $3.3M in the 36 months ending September 30, 2026, net of cancelled approvals, in 2 states. SBA FOIA,
- 4 of them were in the 12 months to September 30, 2026, and 4 in the 12 months before. SBA FOIA,
- The typical loan was about $360K, with the middle half between $250K and $500K. SBA FOIA,
- The largest was about $800K. Every amount is rounded to 2 significant figures. SBA FOIA,
- 2 loans were under $150K, and 0 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 8.00% on 9 loans, with the middle half between 7.00% and 8.50%. SBA FOIA,
- The median term was 8 years. SBA FOIA,
- Its loans went most often to Electrical Contractors and Other Wiring Installation Contractors, with 2. SBA FOIA,
- The SBA file lists 6 of its loans as processed under Preferred Lenders Program. SBA FOIA,
- Its loans were most often in Wisconsin (8) and Kansas (1). SBA FOIA,
What we don't know
- Whether First Citizens State Bank is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.