Applications / Mortgage Analytics / Lenders / Louisiana / Citizens Savings Bank
Bogalusa, LA · Savings institution · FDIC · $319 million assets · 218 loans in 2025
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218
loans originated, 2025
267
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Savings Bank makes small loans, with far more manufactured-home and home-improvement lending than similar lenders, and its volume has held steady for years.
Its typical loan was $105,000, against $235,000 at similar lenders (savings institutions making between half and twice as many loans), among the lowest tenth. Manufactured homes took 10.6% of its loans, against 0.7%, and home improvement 11.5%; both may keep loan sizes down. Every loan was conventional.
It made 218 loans in 2025, against 223 in 2020 and 268 in 2018. Its loans fell 8% from 236 in 2024, while similar lenders grew 8%.
It ranked 20 of 316 lenders in non-metro Louisiana, its largest market, and 37 of 197 in Hammond, LA, with an unchanged 0.6%. In Slidell-Mandeville-Covington, LA, it ranked 43 of 277, and its share fell to 0.5% from 0.7%, possibly in step with its lower volume. GMFS leads there.
Majority-minority areas took 13.8% of its loans, against 4.4% at similar lenders. Its share in low- and moderate-income (LMI) areas, 17.5%, was close to peers' 15.8%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Savings Bank took 267 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.6% · Refinance 35.8% · Home improvement 11.5% · Other 9.2%
Conventional 100.0% · of 218 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Louisiana | 208 | 95.4% |
| Mississippi | 9 | 4.1% |
| Alabama | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Slidell-Mandeville-Covington | 35 |
| Hammond | 16 |
| Baton Rouge | 4 |
| Gulfport-Biloxi | 2 |
| Birmingham | 1 |
| Houma-Bayou Cane-Thibodaux | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ESV371MYVWQV54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1014376 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 330270 | 1996–2017 |
Established 1 January 1945. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Citizens Savings Bank's data.
Citizens Savings Bank's data
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Citizens Savings Bank 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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