Feasibility Study Data for the La Crosse-Onalaska, WI-MN Metro Area

La Crosse-Onalaska: volume, rank and ticket size across La Crosse-Onalaska, WI-MN

The agency approved 392 SBA loans across the La Crosse-Onalaska, WI-MN metro area over FY2017 to FY2026, carrying $208.6 million across every asset class. La Crosse-Onalaska holds rank 194 of 928 against every other statistical area, La Crosse-Onalaska among them. Loan size centers on $215,500; the middle half of approvals run from $75,000 to $593,250. Loan size here is 1.04x of the national median, so size shows no local departure from the norm.

La Crosse-Onalaska borrowers, programs and holders in La Crosse-Onalaska, WI-MN

The metro area shows 324 loans under 7(a), against 68 under 504. La Crosse-Onalaska is a 7(a) market first. In La Crosse-Onalaska, the franchise share of La Crosse-Onalaska loans is 7.9%. 55 loans worth $12.2 million put Citizens State Bank of La Crosse first among 7(a) holders; next is Park Bank National Association, 36 loans for $8.8 million. Third on the list is CCFBank National Association, 30 loans; State Bank Financial has 30. For 504, the top name is WBD, Inc., holding 63 loans worth $54.9 million. These are SBA's records of La Crosse-Onalaska loans held or once held. A line for Citizens State Bank of La Crosse appears because SBA lists it as current La Crosse-Onalaska holder; that says nothing about how Park Bank National Association underwrites.

La Crosse-Onalaska, WI-MN: where La Crosse-Onalaska loans sit by class and county

In La Crosse-Onalaska, most of the total is outside the covered classes: 257 loans that carry codes outside the La Crosse-Onalaska table. The La Crosse-Onalaska class rows therefore describe a minority of La Crosse-Onalaska lending. The La Crosse-Onalaska class table opens with full-service restaurant, 22 La Crosse-Onalaska loans, then La Crosse-Onalaska automotive mechanical repair (car and truck) with 15, and fitness center at 15. Further down sit limited-service restaurant, 13 loans and dental office at 11. By county, La Crosse County, WI accounts for 336 loans and then Vernon County, WI at 39 and Houston County, MN with 17. Demand differs between these counties, so the La Crosse-Onalaska figure hides some spread.

La Crosse-Onalaska, WI-MN: reading the outcome floors for La Crosse-Onalaska

Of FY2017 to FY2024 approvals in La Crosse-Onalaska, no fewer than 4.6% were cancelled before the loan closed out; no ceiling is published beside the 4.6% floor, since that La Crosse-Onalaska figure is withheld at the source. The FY2017 to FY2021 cohort of 202 disbursed La Crosse-Onalaska loans shows La Crosse-Onalaska charge-offs to date of at least 4.0%. The five-year La Crosse-Onalaska rate is withheld because the La Crosse-Onalaska cohort is below 30 loans, which is why no La Crosse-Onalaska figure appears. Seasoning continues, which keeps these rates as minimums, and can only rise. FY2017 was the high point: 51 loans worth $14.5 million, and the quietest La Crosse-Onalaska year before FY2026 was FY2018, at 33 loans and $9.8 million. A loan joins the La Crosse-Onalaska, WI-MN figures through its project county, as with La Crosse County, WI or Vernon County, WI, the 2023 La Crosse-Onalaska delineation of statistical areas draws the line, while any county the La Crosse-Onalaska name match misses is omitted from La Crosse-Onalaska.

La Crosse-Onalaska, WI-MN: what a La Crosse-Onalaska feasibility study has to test

In La Crosse-Onalaska, a analysis must start from the project's own La Crosse-Onalaska county, as no single La Crosse-Onalaska market sits behind the total. With full-service restaurant first in the La Crosse-Onalaska class table, expect scrutiny of seats against realistic covers, plus kitchen capacity against peak service and La Crosse-Onalaska dining rooms and their weeknight trade. For automotive mechanical repair (car and truck), the next class in La Crosse-Onalaska, turn on labor rates La Crosse-Onalaska customers accept, with technician hours as the revenue cap close behind. Debt service coverage in La Crosse-Onalaska must hold in a soft year; comparable sales near the La Crosse-Onalaska site must support the value.