Applications / Mortgage Analytics / Lenders / Louisiana / Citizens Bank & Trust Company
Plaquemine, LA · State non-member bank · FDIC · $486 million assets · 83 loans in 2025
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83
loans originated, 2025
99
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Nearly half of Citizens Bank & Trust Company's loans are in majority-minority neighborhoods, many times the share at similar banks.
Majority-minority neighborhoods took 48.2% of its loans, against 6.5% at similar lenders, state non-member banks making between half and twice as many loans. Low- and moderate-income (LMI) neighborhoods took 39.8%, against 18.5%. Both shares are higher than at nine in ten peers, and both were higher still in 2024. Its 12 counties in Louisiana and Mississippi may hold more such neighborhoods than its peers' markets.
Its typical loan was $125,000, against $175,000 at peers, lower than at about four in five. Home purchases made up 50.6% of its lending and refinances 38.6%.
It made 83 loans, the same as in 2024, while similar lenders grew 9%. It ranked 48 of 369 lenders in Baton Rouge, with 0.5% of the market, down 0.1 points; United Wholesale Mortgage led. At under a hundred loans a year, a few loans can move its share. In Hammond its share rose 0.2 points, to 0.2%.
It filed no report for 2020 to 2022; those are gaps in the record, not years without lending. It made 96 loans in 2018 and 110 in 2023.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Citizens Bank & Trust Company took 99 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.6% · Refinance 38.6% · Home improvement 8.4% · Other 2.4%
Conventional 100.0% · of 83 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 | 82 | 98.8% |
| Mississippi | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baton Rouge | 76 |
| Hammond | 2 |
| New Orleans-Metairie | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L0RZ1NED0NV967 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 357937 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31376 | 1992–2017 |
Established 5 July 1916. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Citizens Bank & Trust Company's data.
Citizens Bank & Trust Company's data
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Citizens Bank & Trust Company 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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