Community State Bank

This is a community bank that offers SBA loan programs and business banking services to support local small businesses in Wisconsin. You can find personalized financial solutions, expert guidance, and resources to help your business grow and succeed.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours.

Community State Bank operates Monday through Friday from 9:00 AM to 5:00 PM for lobby and drive-up services. Select locations offer Saturday drive-up service from 9:00 AM to 12:00 PM. Confirm with Community State Bank for your branch.

There are no fees for initial consultations; however, loan processing and origination fees may apply depending on the service or loan type.

This bank primarily serves local residents and small business owners in Wisconsin, with some services available to out-of-state clients upon request.

A minimum personal credit score of 640 is generally preferred, though higher scores improve approval chances.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the loan and completeness of documentation.

Most Community State Bank locations are closed on weekends. Burlington, Mount Pleasant, Paddock Lake, Union Grove, and Waterford offer Saturday drive-up from 9:00 AM to 12:00 PM; Kenosha and Lake Geneva are fully closed. Confirm with Community State Bank.

Community State Bank is located in Wisconsin — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Community State Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Community State Bank itself, which runs its own lending under its own ownership. If you work at Community State Bank, you can claim this listing from this page to manage it.

The core details for Community State Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Community State Bank before applying. If you represent Community State Bank, claim this listing to keep its information up to date.

You can reach Community State Bank by phone at (262) 878-3763 or online at csb.bank — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Community State Bank before relying on them.

Based on its approved SBA loans, Community State Bank most often finances businesses in construction & contractors, general retail, fitness & recreation, transportation & trucking, restaurants & food service, and manufacturing. This reflects Community State Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Community State Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Community State Bank participates in SBA Express depends on its specific SBA lending authority. Contact Community State Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Community State Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Community State Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Community State Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Community State Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Community State Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Community State Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Community State Bank weighs this case by case under its own policy, so be upfront about your history and ask Community State Bank how it evaluates prior bankruptcies.