Applications / Mortgage Analytics / Lenders / Iowa / Citizens State Bank / Competition
Citizens State Bank
Monticello, IA · State non-member bank · FDIC · $596 million assets · 135 loans in 2025
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135
loans originated, 2025
175
applications, 2025
1
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 — NON-METRO IOWA, 2025
Citizens State Bank ranks 66th of 465 lenders in non-metro Iowa, with $11.4M lent: 0.3% of a $3.38B market.
non-metro Iowa 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 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — CEDAR RAPIDS, IA, 2025
Citizens State Bank ranks 28th of 210 lenders in Cedar Rapids, IA, with $9.2M lent: 0.6% of a $1.53B market.
Cedar Rapids, IA 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 63% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — WATERLOO-CEDAR FALLS, IA, 2025
Citizens State Bank ranks 78th of 168 lenders in Waterloo-Cedar Falls, IA, with $470K lent: 0.1% of a $771.9M market.
Waterloo-Cedar Falls, IA 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 74% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — DUBUQUE, IA, 2025
Citizens State Bank ranks 75th of 114 lenders in Dubuque, IA, with $260K lent: 0.1% of a $502.8M market.
Dubuque, IA 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 80% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — IOWA CITY, IA, 2025
Citizens State Bank ranks 158th of 171 lenders in Iowa City, IA, with $125K lent: 0.0% of a $1.24B market.
Iowa City, IA 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 80% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Citizens State 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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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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