Applications / Mortgage Analytics / Lenders / Nebraska / Citizens Bank & Trust Company
Saint Paul, NE · State non-member bank · FDIC · $252 million assets · 39 loans in 2025
Citizens Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
39
loans originated, 2025
48
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank & Trust Company is a small Nebraska bank that makes about forty modest loans a year, as many for refinancing as for buying homes.
Home purchases and refinances each made up 38.5% of its loans, and home improvement 12.8%. Its typical loan was $105,000, against $165,000 at similar lenders, state non-member banks making between half and twice as many loans. That is lower than at nearly nine in ten of them. All of its loans were conventional.
It made 39 loans in 2025, 41 in 2024 and 40 in 2023. Its fall of 5% compares with growth of 2% at similar lenders. It first reported in 2014 and filed no report for 2020 to 2022; those are gaps in the record, not years without lending.
It ranked 31 of 112 lenders in Grand Island, with 0.4% of the market, unchanged. Pinnacle Bank led there, as it did in non-metro Nebraska, where the bank ranked 87 of 341. In Lincoln it ranked 126 of 249.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 48 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.5% · Refinance 38.5% · Home improvement 12.8% · Other 10.3%
Conventional 100.0% · of 39 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 |
|---|---|---|
| Nebraska | 39 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 10 |
| Grand Island | 8 |
| Omaha | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004RS1R8ZQ6J8543 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 925055 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35469 | 2014–2017 |
Established 1 January 1888. Reported under HMDA 2014-2025.
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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