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Lender record

Citizens State Bank

The real lending record — every figure from funded deals. HQ: 102 W Main St, Lena, IL. 5 branches.

75

Recent deals (FY20+)

$150K

Typical deal

17 days

Approval → funding

2.1%

Failure rate (FY20–23)

Where Citizens State Bank lends

Deals Citizens State Bank funded — list all 75 as text

Deal profile

Most Citizens State Bank deals land between $75K and $350K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Offices of Chiropractors (10)
  2. 2.Full-Service Restaurants (6)
  3. 3.Fitness and Recreational Sports Centers (4)
  4. 4.All Other Personal Services (4)
  5. 5.Home Health Care Services (3)
  6. 6.Warm Air Heating and Air-Conditioning Equipment and Supplies (2)
  7. 7.Snack and Nonalcoholic Beverage Bars (2)
  8. 8.Building Inspection Services (2)

Most active states

  1. 1.Minnesota (37 deals)
  2. 2.Wisconsin (27 deals)
  3. 3.Iowa (7 deals)
  4. 4.Nebraska (4 deals)

Franchises they finance most

Chiroway

4 deals

D-BAT

2 deals

Stretch Zone

2 deals

Scooter's Coffee

1 deals

Real Deals on Home Decor

1 deals

Can Citizens State Bank fund you? The bank behind the loans

Total assets

$449.2M

▼ 9.8% vs prior quarter

Deposits on hand

$398.0M

▼ 11.1% vs prior quarter

Loans outstanding

$293.1M

▲ 0% vs prior quarter

Net income (latest qtr)

$1.8M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Citizens State Bank more SBA-focused than 36% 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 1.51% — 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 State Bank branch (5)

Citizens State BankMain office102 W Main StLena, IL 61048 · since 1880

The Elizabeth State Bank Branch151 N Main StElizabeth, IL 61028 · since 1909

Front Street Branch133 W Front AveStockton, IL 61085 · since 1933

Freeport Branch1525 S Forest RdFreeport, IL 61032 · since 2008

301 Main Street Branch301 Main StSavanna, IL 61074 · since 2023

Branch data: FDIC BankFind.

Recent deals

  • EP Sales, Inc. in Bloomington, MN — $2.5M (2026) · purchase · Warm Air Heating and Air-Conditioning Equipment and Supplies
  • EP SALES, INC. in Bloomington, MN — $500K (2026) · Warm Air Heating and Air-Conditioning Equipment and Supplies
  • The Cone Shoppe LLC in Monticello, IA — $400K (2026) · purchase · Snack and Nonalcoholic Beverage Bars
  • Mighty Fine Coffee Company LLC in Faribault, MN — $794K (2025) · Coffee and Tea Manufacturing
  • Sandlots Sports LLC in River Falls, WI — $629K (2025) · Fitness and Recreational Sports Centers
  • Eric Miller in Monticello, IA — $320K (2025) · Snack and Nonalcoholic Beverage Bars
  • June Swim LLC in Stillwater, MN — $150K (2025) · Clothing and Clothing Accessories Retailers
  • Binder Wellness Group LLC in Altoona, WI — $130K (2025) · Offices of Chiropractors
  • Yen Dung LLC in Hudson, WI — $85K (2025) · Nail Salons
  • JD Restaurants, LLC in Minneapolis, MN — $75K (2025) · Full-Service Restaurants

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

1 of Citizens State 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 State Bank financed

59 businesses on record. Each links to its full SBA record.

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

Agent summary

This page summarizes Citizens State 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.

  • 75 SBA 7(a) loans on record
  • $150K typical deal
  • 11 business-acquisition loans
  • HQ: 102 W Main St, Lena, IL
  • 5 FDIC branch locations
  • FDIC total assets $449.2M

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-state-bank-3
API:
https://www.capbench.com/api/public/lenders/citizens-state-bank-3
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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