Applications / Mortgage Analytics / Lenders / Georgia / Citizens Bank & Trust / Competition
Citizens Bank & Trust
Trenton, GA · Savings institution · OCC · $130 million assets · 126 loans in 2025
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126
loans originated, 2025
132
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Who Citizens Bank & Trust competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — CHATTANOOGA, GA-TN, 2025
Citizens Bank & Trust ranks 96th of 525 lenders in Chattanooga, GA-TN, with $7.1M lent: 0.2% of a $4.21B market.
Chattanooga, GA-TN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO ALABAMA, 2025
Citizens Bank & Trust ranks 146th of 523 lenders in non-metro Alabama, with $5.6M lent: 0.1% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — CLEVELAND, TN, 2025
Citizens Bank & Trust ranks 145th of 258 lenders in Cleveland, TN, with $595K lent: 0.1% of a $751.0M market.
Cleveland, TN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — DALTON, GA, 2025
Citizens Bank & Trust ranks 206th of 234 lenders in Dalton, GA, with $155K lent: 0.0% of a $507.0M market.
Dalton, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
Citizens Bank & Trust's data
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Citizens Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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