Applications / Mortgage Analytics / Lenders / Wisconsin / Citizens State Bank / Competition
Citizens State Bank
Cadott, WI · State non-member bank · FDIC · $254 million assets · 125 loans in 2025
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125
loans originated, 2025
149
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who Citizens State Bank 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 — EAU CLAIRE, WI, 2025
Citizens State Bank ranks 8th of 220 lenders in Eau Claire, WI, with $22.1M lent: 2.2% of a $1.01B market.
Eau Claire, WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens State Bank 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 58% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO WISCONSIN, 2025
Citizens State Bank ranks 131st of 659 lenders in non-metro Wisconsin, with $12.6M lent: 0.1% of a $8.43B market.
non-metro Wisconsin is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens State Bank 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 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — WAUSAU, WI, 2025
Citizens State Bank ranks 63rd of 196 lenders in Wausau, WI, with $1.1M lent: 0.2% of a $663.9M market.
Wausau, WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens State Bank 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 52% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — SHEBOYGAN, WI, 2025
Citizens State Bank ranks 86th of 201 lenders in Sheboygan, WI, with $845K lent: 0.1% of a $637.2M market.
Sheboygan, WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens State Bank 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 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — MILWAUKEE-WAUKESHA, WI, 2025
Citizens State Bank ranks 443rd of 510 lenders in Milwaukee-Waukesha, WI, with $300K lent: 0.0% of a $10.55B market.
Milwaukee-Waukesha, WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens State Bank 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. 6 — MANKATO, MN, 2025
Citizens State Bank ranks 157th of 180 lenders in Mankato, MN, with $145K lent: 0.0% of a $491.5M market.
Mankato, MN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens State Bank 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 55% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
Citizens State Bank ranks 683rd of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $65K lent: 0.0% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens State Bank 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 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — DULUTH, MN-WI, 2025
Citizens State Bank ranks 270th of 318 lenders in Duluth, MN-WI, with $205K lent: 0.0% of a $1.36B market.
Duluth, MN-WI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens State Bank 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 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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