Citizens Community Federal National Association
CCFBank (Citizens Community Federal National Association) is a community bank providing personal, business, and mortgage financial services across Wisconsin and Minnesota. Founded in 1938, the institution operates as FDIC-insured with approximately $1.83 billion in assets and maintains a commitment to local decision-making and customer service.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (29 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Citizens Community Federal National Association ranks #79 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Citizens Community Federal National Association’s 7(a) acquisition lending falls in the $0-$500K range: 9 loans, 31.0% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 9 | 31.0% | |
| $500K-$1M | 7 | 24.1% | |
| $1M-$2M | 5 | 17.2% | |
| $2M-$3M | 4 | 13.8% | |
| $3M-$4M | 3 | 10.3% | |
| $4M-$5M | 1 | 3.5% |
Industries with highest loan volume
All Other Specialty Trade Contractors
2
loans
$2.9M
avg. amount
Full-Service Restaurants
1
loans
$960K
avg. amount
All Other Personal Services
1
loans
$371K
avg. amount
Coin-Operated Laundries and Drycleaners
1
loans
$608K
avg. amount
Automotive Body, Paint, and Interior Repair and Maintenance
1
loans
$3.4M
avg. amount
Child Care Services
1
loans
$1.7M
avg. amount
Saw Blade and Handtool Manufacturing
1
loans
$994K
avg. amount
Offices of Chiropractors
1
loans
$125K
avg. amount
Lessors of Nonresidential Buildings (except Miniwarehouses)
1
loans
$252K
avg. amount
Gasoline Stations with Convenience Stores
1
loans
$1.4M
avg. amount
10-Year
1.8%
Percentile Ranking
87th
87th percentile
Citizens Community Federal National Association’s median variable rate is + 2.25%, against a market median of Prime + 1.88%, 38 above market.
It priced below the market median in 4 of the last 6 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.47% |
| $500K-$1M | Prime + 2.11% |
| $1M-$2M | Prime + 2.30% |
| $2M-$3M | Prime + 1.69% |
| $3M-$4M | Prime + 1.92% |
| $4M-$5M | Prime + 1.50% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q4 '20 | Prime + 1.85% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 3 |
| Q2 '23 | Prime + 1.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q4 '23 | Prime + 2.25% | Prime + 2.00% | Prime + 1.42% – Prime + 2.50% | 3 |
| Q1 '24 | Prime + 1.50% | Prime + 2.00% | Prime + 1.48% – Prime + 2.50% | 3 |
| Q2 '25 | Prime + 1.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q3 '25 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
Citizens Community Federal National Association has originated 7(a) acquisition loans in 2 states, most actively in Wisconsin (20) and Minnesota (9). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Wisconsin | 20 | 69.0% |
| Minnesota | 9 | 31.0% |
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