Applications / Mortgage Analytics / Lenders / Alabama / Citizens Bank & Trust / Competition
Citizens Bank & Trust
Guntersville, AL · State non-member bank · FDIC · $1.1 billion assets · 109 loans in 2025
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109
loans originated, 2025
146
applications, 2025
6
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 — NON-METRO ALABAMA, 2025
Citizens Bank & Trust ranks 45th of 523 lenders in non-metro Alabama, with $20.7M lent: 0.5% 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. 2 — NON-METRO COLORADO, 2025
Citizens Bank & Trust ranks 136th of 626 lenders in non-metro Colorado, with $10.9M lent: 0.1% of a $9.24B market.
non-metro Colorado 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
FIG. 3 — PHOENIX-MESA-CHANDLER, AZ, 2025
Citizens Bank & Trust ranks 377th of 879 lenders in Phoenix-Mesa-Chandler, AZ, with $6.6M lent: 0.0% of a $50.70B market.
Phoenix-Mesa-Chandler, AZ 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 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — CHATTANOOGA, GA-TN, 2025
Citizens Bank & Trust ranks 155th of 525 lenders in Chattanooga, GA-TN, with $3.1M lent: 0.1% 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. 5 — FLORENCE-MUSCLE SHOALS, AL, 2025
Citizens Bank & Trust ranks 62nd of 220 lenders in Florence-Muscle Shoals, AL, with $1.6M lent: 0.2% of a $784.8M market.
Florence-Muscle Shoals, AL 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 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN, 2025
Citizens Bank & Trust ranks 658th of 821 lenders in Nashville-Davidson--Murfreesboro--Franklin, TN, with $535K lent: 0.0% of a $24.04B market.
Nashville-Davidson--Murfreesboro--Franklin, TN is one of the three markets it entered most recently. 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 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — NON-METRO GEORGIA, 2025
Citizens Bank & Trust ranks 408th of 683 lenders in non-metro Georgia, with $1.3M lent: 0.0% of a $8.64B market.
non-metro Georgia is one of the three markets it entered most recently. 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 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — AUBURN-OPELIKA, AL, 2025
Citizens Bank & Trust ranks 143rd of 305 lenders in Auburn-Opelika, AL, with $975K lent: 0.1% of a $1.58B market.
Auburn-Opelika, AL is one of the three markets it entered most recently. 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 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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