Citizens State Bank
Headquartered in HUDSON, WI. Analysis based on 75 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $24.0M.
Total 7(a) loans
75
Total approved
$24.0M
Average loan
$320K
States funded in
4
Charge-off rate
2.08%
FY2020–FY2023 cohort
Paid-in-full rate
22.92%
Average rate
7.51%
Average term
149 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 621310 | Offices of Chiropractors | 10 |
| 722511 | Full-Service Restaurants | 6 |
| 812990 | All Other Personal Services | 4 |
| 713940 | Fitness and Recreational Sports Centers | 4 |
| 621610 | Home Health Care Services | 3 |
| 541350 | Building Inspection Services | 2 |
| 722513 | Limited-Service Restaurants | 2 |
| 484110 | General Freight Trucking, Local | 2 |
| 337211 | Wood Office Furniture Manufacturing | 2 |
| 423730 | Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant | 2 |
Top 10 states
| State | Loans |
|---|---|
| MN | 37 |
| WI | 27 |
| IA | 7 |
| NE | 4 |
Top franchise brands financed
10 franchise loans across 5 distinct brands.
| Franchise | Loans |
|---|---|
| Chiroway | 4 |
| Stretch Zone | 2 |
| D-BAT | 2 |
| Real Deals on Home Decor | 1 |
| Scooter's Coffee | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.