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Lender record

Citizens Bank

The real lending record — every figure from funded deals. HQ: 301 N Rochester St, Mukwonago, WI. 11 branches.

1,687

Recent deals (FY20+)

$490K

Typical deal

22 days

Approval → funding

2.8%

Failure rate (FY20–23)

Where Citizens Bank lends

Deals Citizens Bank funded — list all 500 as text

Deal profile

Most Citizens Bank deals land between $350K and $739K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Fitness and Recreational Sports Centers (201)
  2. 2.Limited-Service Restaurants (133)
  3. 3.Snack and Nonalcoholic Beverage Bars (115)
  4. 4.Gasoline Stations with Convenience Stores (96)
  5. 5.Full-Service Restaurants (78)
  6. 6.Offices of Chiropractors (56)
  7. 7.General Automotive Repair (33)
  8. 8.Private Mail Centers (31)

Most active states

  1. 1.Texas (239 deals)
  2. 2.Florida (187 deals)
  3. 3.California (155 deals)
  4. 4.Georgia (143 deals)
  5. 5.North Carolina (120 deals)
  6. 6.Virginia (62 deals)
  7. 7.Utah (59 deals)
  8. 8.Tennessee (54 deals)
  9. 9.South Carolina (49 deals)
  10. 10.Colorado (47 deals)

Franchises they finance most

Hotworx

84 deals

The UPS Store

34 deals

Smoothie King

23 deals

Cold Stone Creamery

22 deals

Jersey Mike's

20 deals

Can Citizens Bank fund you? The bank behind the loans

Total assets

$1.2B

▼ 0.1% vs prior quarter

Deposits on hand

$992.8M

▼ 0.1% vs prior quarter

Loans outstanding

$770.5M

▲ 3.6% vs prior quarter

Net income (latest qtr)

$3.7M

  • •SBA is this bank's core business — this year's SBA production alone equals ~17.5% of its entire loan book. Expect a dedicated SBA desk, packaging help, and underwriters who do this all day. That makes Citizens Bank more SBA-focused than 98% of the banks on our record.
  • •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
  • •Return on assets of 1.26% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Citizens Bank branch (11)

Citizens BankMain office301 N Rochester StMukwonago, WI 53149 · since 1892

Big Bend BranchW230s9125 Clark StBig Bend, WI 53103 · since 1937

Town Of Genesee BranchW307s4823 Highway 83Mukwonago, WI 53149 · since 1985

Vernon BranchW236s7050 Big Bend DrBig Bend, WI 53103 · since 1989

Riverview Branch875 S Rochester StMukwonago, WI 53149 · since 1992

Muskego BranchS75w17358 Janesville RdMuskego, WI 53150 · since 1995

East Troy Branch3238 Main StEast Troy, WI 53120 · since 1996

Eagle BranchS90w35680 County Highway NnEagle, WI 53119 · since 1999

New Berlin Branch5450 S Moorland RdNew Berlin, WI 53151 · since 1999

East Brook Branch2541 Main StEast Troy, WI 53120 · since 2004

Waukesha Branch2109 Corporate DrWaukesha, WI 53189 · since 2005

Scroll for all 11 branches · Branch data: FDIC BankFind.

Recent deals

  • Comeback Hospitality LLC in Page, AZ — $4.8M (2026) · purchase · Hotels (except Casino Hotels) and Motels
  • KPVP LLC in Millstone Township, NJ — $4.4M (2026) · Beer, Wine, and Liquor Retailers
  • Sparkle Daycare LLC in Leander, TX — $4.4M (2026) · Child Care Services
  • FERN & STRIPES LLC in Las Vegas, NV — $3.5M (2026) · purchase · All Other Miscellaneous Food Manufacturing
  • 7 Tequilas Mexican Restaurant, Inc. in Woodstock, GA — $3.2M (2026) · Full-Service Restaurants
  • Dada Ganpati One LLC in Warner Robins, GA — $2.8M (2026) · Gasoline Stations with Convenience Stores
  • ZUBIA CORP in Garland, TX — $2.7M (2026) · Soap and Other Detergent Manufacturing
  • Axitem Software Solution, Inc in Irving, TX — $2.6M (2026) · Other Computer Related Services
  • Ernie's Tire and Automotive LLC in Weatherford, TX — $2.6M (2026) · All Other Automotive Repair and Maintenance
  • Maplewood LLC in Johnson City, TN — $2.6M (2026) · Bowling Centers

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

One of these businesses yours? Claim your listing or request removal.

Failed deals

29 of Citizens Bank's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.

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Businesses Citizens Bank financed

1,597 businesses on record — the 60 largest by funding. Each links to its full SBA record.

Work at Citizens Bank?

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Citizens Bank.

Agent summary

This page summarizes Citizens Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 1,687 SBA 7(a) loans on record
  • $490K typical deal
  • 239 business-acquisition loans
  • HQ: 301 N Rochester St, Mukwonago, WI
  • 11 FDIC branch locations
  • FDIC total assets $1.2B

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/citizens-bank
API:
https://www.capbench.com/api/public/lenders/citizens-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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