Lender record
First Citizens State Bank
The real lending record — every figure from funded deals. HQ: 207 W Main St, Whitewater, WI. 8 branches.
23
Recent deals (FY20+)
$433K
Typical deal
17 days
Approval → funding
0%
Failure rate (FY20–23)
Where First Citizens State Bank lends
Deals First Citizens State Bank funded — list all 23 as text
- Grandpa Glenn's Pet Treats LLC — Johnson Creek · $550K · FY2026 · Dog and Cat Food Manufacturing
- Fanatico Ristorante LLC — Whitewater · $360K · FY2026 · Full-Service Restaurants
- KOZ CONTRACTORS LLC — Waterford · $26K · FY2026 · Site Preparation Contractors
- Grandpa Glenn's Pet Treats LLC — Johnson Creek · $800K · FY2025 · Other Miscellaneous Durable Goods Merchant Wholesalers
- PGS Signal & Lighting LLC — Franksville · $500K · FY2025 · Electrical Contractors and Other Wiring Installation Contrac
- Perfect 10 Manhattan LLC — Manhattan · $480K · FY2025 · Limited-Service Restaurants
- Foursis Academy of Dance LLC — New Berlin · $273K · FY2025 · Sports and Recreation Instruction
- Smooth Money of Iowa, LLC — De Pere · $1.4M · FY2024 · Limited-Service Restaurants
- Sassy Sweets, LLC — Watertown · $29K · FY2024 · Snack and Nonalcoholic Beverage Bars
- Riemer Systems, LLC — Whitewater · $500K · FY2023 · Medical, Dental, and Hospital Equipment and Supplies Merchan
- RRM Management LLC — Edgerton · $1.5M · FY2022 · Recreational Vehicle Dealers
- Lilliput Records LLC — Milwaukee · $433K · FY2022 · Lessors of Nonresidential Buildings (except Miniwarehouses)
- Renegade Pizza LLC — Topeka · $380K · FY2022 · Limited-Service Restaurants
- Elite Piers LLC — Walworth · $350K · FY2022 · Marinas
- Milk Advisory Board LLC — Whitewater · $350K · FY2022 · Lessors of Nonresidential Buildings (except Miniwarehouses)
- Perfect 10 LLC — Cambridge · $336K · FY2022 · Limited-Service Restaurants
- Pizza People, Inc. — Waukesha · $1.5M · FY2021 · Limited-Service Restaurants
- BSM Capital LLC — Elkhorn · $612K · FY2021 · Wired Telecommunications Carriers
- Pizza People, Inc. — Whitewater · $290K · FY2021 · Full-Service Restaurants
- Steve O's LLC — Whitewater · $271K · FY2021 · Drinking Places (Alcoholic Beverages)
- Steven E Johnson — Whitewater · $930K · FY2020 · Hardware Stores
- Pizza People, Inc. — Whitewater · $458K · FY2020 · Full-Service Restaurants
- The Sweet Spot Coffee Shop, LLC — Whitewater · $184K · FY2020 · Full-Service Restaurants
Deal profile
Most First Citizens State Bank deals land between $290K and $612K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
- 1.Limited-Service Restaurants (5)
- 2.Full-Service Restaurants (4)
- 3.Lessors of Nonresidential Buildings (except Miniwarehouses) (2)
- 4.Dog and Cat Food Manufacturing (1)
- 5.Site Preparation Contractors (1)
- 6.Other Miscellaneous Durable Goods Merchant Wholesalers (1)
- 7.Electrical Contractors and Other Wiring Installation Contrac (1)
- 8.Sports and Recreation Instruction (1)
Most active states
- 1.Wisconsin (21 deals)
- 2.Kansas (2 deals)
Franchises they finance most
Can First Citizens State Bank fund you? The bank behind the loans
Total assets
$511.4M
▼ 0.4% vs prior quarter
Deposits on hand
$370.1M
▼ 2.4% vs prior quarter
Loans outstanding
$364.8M
▲ 5.3% vs prior quarter
Net income (latest qtr)
$2.2M
- •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 First Citizens State Bank more SBA-focused than 59% 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 1.72% — 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 First Citizens State Bank branch (8)
First Citizens State BankMain office207 W Main StWhitewater, WI 53190 · since 1863
Palmyra Branch111 E Main StPalmyra, WI 53156 · since 1911
West Branch1058 W Main StWhitewater, WI 53190 · since 1927
Fairhaven Retirement Community Branch435 W Starin RdWhitewater, WI 53190 · since 2000 · limited service
Mulberry Glen Retirement Community Branch1281 W Main StWhitewater, WI 53190 · since 2000 · limited service
East Troy Branch2546 Main StEast Troy, WI 53120 · since 2001
East Troy Senior Housing Facility3223 North StEast Troy, WI 53120 · since 2004 · limited service
Messenger Service At Whitewater207 W Main StWhitewater, WI 53190 · since 2007 · limited service
Branch data: FDIC BankFind.
Recent deals
- Grandpa Glenn's Pet Treats LLC in Johnson Creek, WI — $550K (2026) · Dog and Cat Food Manufacturing
- Program
- Preferred Lenders Program
- Rate at approval
- 7% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $413K (75%)
- Approval → funding
- 10 days
- Approved
- 11/25/2025
- First disbursed
- 12/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Existing or more than 2 years old
- Industry
- Dog and Cat Food Manufacturing
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- Fanatico Ristorante LLC in Whitewater, WI — $360K (2026) · purchase · Full-Service Restaurants
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $270K (75%)
- Approved
- 2/17/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $400K
- Est. down payment (10%)
- $40K
- Est. cash at closing
- $54K
- Monthly payment
- $4,415
- Annual debt service
- $53K
- Cash flow needed (1.25×)
- $66K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- KOZ CONTRACTORS LLC in Waterford, WI — $26K (2026) · Site Preparation Contractors
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.5% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 2/4/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Site Preparation Contractors
Your business? Claim this record · Request removal
- Grandpa Glenn's Pet Treats LLC in Johnson Creek, WI — $800K (2025) · Other Miscellaneous Durable Goods Merchant Wholesalers
- Program
- Preferred Lenders Program
- Rate at approval
- 7% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $600K (75%)
- Approval → funding
- 10 days
- Approved
- 12/3/2024
- First disbursed
- 12/13/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Existing or more than 2 years old
- Industry
- Other Miscellaneous Durable Goods Merchant Wholesalers
Your business? Claim this record · Request removal
- PGS Signal & Lighting LLC in Franksville, WI — $500K (2025) · Electrical Contractors and Other Wiring Installation Contrac
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 12 mo (1 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 1 days
- Approved
- 4/3/2025
- First disbursed
- 4/4/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Electrical Contractors and Other Wiring Installation Contrac
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- Perfect 10 Manhattan LLC in Manhattan, KS — $480K (2025) · Limited-Service Restaurants
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $360K (75%)
- Approval → funding
- 21 days
- Approved
- 1/10/2025
- First disbursed
- 1/31/2025
- Loan status
- Payments deferred
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Toppers Pizza
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
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- Foursis Academy of Dance LLC in New Berlin, WI — $273K (2025) · Sports and Recreation Instruction
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% fixed
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $205K (75%)
- Approval → funding
- 17 days
- Approved
- 1/13/2025
- First disbursed
- 1/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Your business? Claim this record · Request removal
- Smooth Money of Iowa, LLC in De Pere, WI — $1.4M (2024) · Limited-Service Restaurants
- Program
- 7a General
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approved
- 5/16/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Toppers Pizza
- Jobs supported
- 65
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Your business? Claim this record · Request removal
- Sassy Sweets, LLC in Watertown, WI — $29K (2024) · Snack and Nonalcoholic Beverage Bars
- Program
- Preferred Lenders Program
- Rate at approval
- 9% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $24K (85%)
- Approval → funding
- 18 days
- Approved
- 9/12/2024
- First disbursed
- 9/30/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Your business? Claim this record · Request removal
- Riemer Systems, LLC in Whitewater, WI — $500K (2023) · Medical, Dental, and Hospital Equipment and Supplies Merchan
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 452 days
- Approved
- 1/12/2023
- First disbursed
- 4/8/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Existing or more than 2 years old
- Industry
- Medical, Dental, and Hospital Equipment and Supplies Merchan
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
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Businesses First Citizens State Bank financed
20 businesses on record. Each links to its full SBA record.
- Pizza People, Inc.Whitewater, WI · 3 loans$2.2M
- RRM Management LLCEdgerton, WI · 1 loan$1.5M
- Smooth Money of Iowa, LLCDe Pere, WI · 1 loan$1.4M
- Grandpa Glenn's Pet Treats LLCJohnson Creek, WI · 2 loans$1.4M
- Steven E JohnsonWhitewater, WI · 1 loan$930K
- BSM Capital LLCElkhorn, WI · 1 loan$612K
- Riemer Systems, LLCWhitewater, WI · 1 loan$500K
- PGS Signal & Lighting LLCFranksville, WI · 1 loan$500K
- Perfect 10 Manhattan LLCManhattan, KS · 1 loan$480K
- Lilliput Records LLCMilwaukee, WI · 1 loan$433K
- Renegade Pizza LLCTopeka, KS · 1 loan$380K
- Fanatico Ristorante LLCWhitewater, WI · 1 loan$360K
- Milk Advisory Board LLCWhitewater, WI · 1 loan$350K
- Elite Piers LLCWalworth, WI · 1 loan$350K
- Perfect 10 LLCCambridge, WI · 1 loan$336K
- Foursis Academy of Dance LLCNew Berlin, WI · 1 loan$273K
- Steve O's LLCWhitewater, WI · 1 loan$271K
- The Sweet Spot Coffee Shop, LLCWhitewater, WI · 1 loan$184K
- Sassy Sweets, LLCWatertown, WI · 1 loan$29K
- KOZ CONTRACTORS LLCWaterford, WI · 1 loan$26K
Work at First Citizens State Bank?
Claim this profile to keep your record accurate, route buyer leads to your team, or sponsor your placement in the rankings.
CapBench analysis of public lending records, FY2020–present. Not affiliated with First Citizens State Bank.
Agent summary
This page summarizes First 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.
- 23 SBA 7(a) loans on record
- $433K typical deal
- 5 business-acquisition loans
- HQ: 207 W Main St, Whitewater, WI
- 8 FDIC branch locations
- FDIC total assets $511.4M
- 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.
- 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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