Waukesha State Bank: SBA Lending Record

What SBA's own loan files show about Waukesha State Bank as an SBA lender, and how a lender's record bears on a feasibility study.

$158.8 million in gross dollars sits behind Waukesha State Bank's 282 approved loans, FY2017 to FY2026. 282 loans, all in 7(a), stand against Waukesha State Bank; none are 504. For 282 loans, SBA's record names Waukesha State Bank as the lender. 282 loans carry SBA's guarantee, not Waukesha State Bank's.

What Waukesha State Bank holds, by class and state

Waukesha State Bank ranks by loans as Limited-service restaurant, 14, Full-service restaurant, 11, Gas station and truck stop, 8, Coffee shop and snack bar, 7 and Child care center, 6. 209 loans, the biggest Waukesha State Bank group, sit outside the tracked classes. Waukesha State Bank lists one state: Wisconsin, 276 loans.

Waukesha State Bank outcome floors

Waukesha State Bank has a cancellation floor of 7.0% across FY2017 to FY2024 approvals. Waukesha State Bank has a ceiling of 7.0% once undisbursed approvals count as cancelled. At Waukesha State Bank, 6.7% of 164 loans were charged off, a floor. The Waukesha State Bank cohort covers FY2017 to FY2021 disbursements. Waukesha State Bank five-year view: withheld by Loan Analytics. Waukesha State Bank: each rate is the least SBA shows.

Waukesha State Bank record and a borrower's study

Waukesha State Bank: 14 loans in the Limited-service restaurant class. Waukesha State Bank study must prove seating demand. Waukesha State Bank: occupancy cost remains open across 14 Limited-service restaurant loans. Waukesha State Bank history says nothing on comparable sales. Waukesha State Bank counts 11 loans in the Full-service restaurant class. Waukesha State Bank study needs occupancy cost. For 11 Full-service restaurant loans, site traffic stays open. Waukesha State Bank total of $158.8 million says nothing about any one site. Waukesha State Bank also has 209 loans in no tracked class. At Waukesha State Bank, the project must carry the case. For 276 Waukesha State Bank loans in Wisconsin, local evidence still decides. Waukesha State Bank should be asked directly what it needs. 282 loans at Waukesha State Bank do not measure demand at one site. Waukesha State Bank: competing supply near the site matters most. Waukesha State Bank study revenue assumptions need written support. Waukesha State Bank request: build cost quoted, not assumed. Waukesha State Bank debt service needs a cautious revenue case. Appraised value of the project is its own question, apart from Waukesha State Bank totals. Waukesha State Bank study should state its downside case. Waukesha State Bank: state assumptions, test coverage, support value. Waukesha State Bank carries $158.8 million in gross approvals on 282 loans. Waukesha State Bank equity belongs in the study.

Waukesha State Bank cancellation floors stop at FY2024 approvals. Waukesha State Bank totals add FY2025 and FY2026 approvals. The Waukesha State Bank cohort holds 164 loans, disbursed FY2017 to FY2021. Waukesha State Bank figures describe loans held, not lender practices. 282 loans cannot predict one new request to Waukesha State Bank. For Waukesha State Bank, a withheld value is never a zero.

SBA loans held by Waukesha State Bank

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026282
Gross dollars approved$158.8 million
SBA 7(a) loans282
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)7.0%
The same, counting loans still undisbursed as cancelled (a ceiling)7.0%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)6.7%
Charged off within five years of approvalwithheld
Loans in that cohort164

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes209
Limited-service restaurant14
Full-service restaurant11
Gas station and truck stop8
Coffee shop and snack bar7
Child care center6
Hotel and motel5
Automotive mechanical repair (car and truck)5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or areaLoans
Wisconsin276

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-16160.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Waukesha State Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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