First Citizens State Bank

This is a local bank providing SBA loan options and personalized financial services for small businesses in the Wisconsin region. You can find assistance with business loans, growth capital, and financial guidance tailored to your needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

The bank operates from 9:00 AM to 4:00 PM, Monday through Friday. It's best to call ahead to confirm availability or schedule an appointment.

There are no fees to visit or consult with the bank; however, loan application and processing fees may apply depending on the services used.

This bank primarily serves residents and small business owners in Wisconsin, but non-residents may also be eligible based on specific criteria.

A minimum personal credit score of around 640 is generally preferred, but approval depends on overall financial health and collateral.

The underwriting process typically takes 2 to 4 weeks, depending on the completeness of your application and supporting documentation.

Most banks keep weekday business hours and are closed on weekends, and First Citizens State Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call First Citizens State Bank to confirm current weekend availability before you go.

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

The core details for First Citizens 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 First Citizens State Bank before applying. If you represent First Citizens State Bank, claim this listing to keep its information up to date.

First Citizens State Bank can be reached by phone at (262) 473-2112, email at customerservice@firstcitizensww.com, or through their contact form at firstcitizensww.com/contact-us. Please confirm specific availability with the bank directly.

Based on its approved SBA loans, First Citizens State Bank most often finances businesses in restaurants & food service, construction & contractors, general retail, real estate & property management, fitness & recreation, and transportation & trucking. This reflects First Citizens 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 First Citizens 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 First Citizens State Bank participates in SBA Express depends on its specific SBA lending authority. Contact First Citizens 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. First Citizens 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. First Citizens State Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First Citizens 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 First Citizens 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 First Citizens 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 First Citizens 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. First Citizens State Bank weighs this case by case under its own policy, so be upfront about your history and ask First Citizens State Bank how it evaluates prior bankruptcies.