Applications / Mortgage Analytics / Lenders / Arkansas / CS Bank
Eureka Springs, AR · State member bank · FRS · $614 million assets · 219 loans in 2025
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219
loans originated, 2025
252
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CS Bank, an Arkansas bank, makes manufactured-home loans on a scale few similar banks match: 16.4% of its loans, against 1.9%.
Manufactured homes took a higher share of its loans than at nearly all similar lenders (state member banks making between half and twice as many loans). That may help explain why its loans are smaller. Its typical loan was $145,000, against $185,000 at its peers, smaller than at about three-quarters of them. Home purchases made up 51.1% of its book.
Low- and moderate-income (LMI) borrowers took 38.1% of its loans, up from 30.9% in 2024 and more than at four in five similar lenders. Its share in poorer neighborhoods (LMI tracts), 12.3%, was lower than peers' 16.2%. That may reflect the largely non-metro markets it serves.
It made 219 loans in 2025, 2% fewer than in 2024, while similar lenders grew 8%. Non-metro Arkansas is its largest market; there it ranks 31 of 459 lenders. It entered Kansas City, KS-MO in 2022 and Little Rock-North Little Rock-Conway, AR in 2025. In both its share still rounds to 0.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CS Bank took 252 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.1% · Refinance 27.9% · Home improvement 10.5% · Other 10.5%
Conventional 100.0% · of 219 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 |
|---|---|---|
| Arkansas | 182 | 83.1% |
| Missouri | 37 | 16.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville-Springdale-Rogers | 46 |
| Springfield | 3 |
| Kansas City | 2 |
| Little Rock-North Little Rock-Conway | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007UW5GSKHED2095 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 514048 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35635 | 2016–2017 |
Established 1 May 1912. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: CS Bank's data.
CS Bank's data
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CS 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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