Applications / Mortgage Analytics / Lenders / Missouri / Citizens Bank of Amsterdam
Butler, MO · State non-member bank · FDIC · $184 million assets · 80 loans in 2025
Citizens Bank of Amsterdam's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
80
loans originated, 2025
100
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
More than half of Citizens Bank of Amsterdam's loans are in low- and moderate-income neighborhoods, about three times the share at similar banks.
Low- and moderate-income (LMI) neighborhoods took 56.2% of its loans, against 18.5% at similar lenders, state non-member banks making between half and twice as many loans. That is higher than at almost all of them. LMI borrowers took 43.3%, against 27.4%, higher than at nine in ten. This is not new: in 2020, 43.0% of its borrowers were LMI.
Its typical loan was $105,000, against $172,500 at similar lenders, smaller than at nearly nine in ten. Manufactured homes took 15.0% of its loans, against 2.6%, and home improvement 10.0%. Either could account for its smaller loans.
Its loan count rose 19%, from 67 to 80, against 9% at the typical similar lender and 10% in the whole market. Since 2018 it has made between 67 and 95 loans a year.
In Joplin, where it has lent since 2006, its share rose from 0.0% to 0.2%, ranking it 51 of 219 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Bank of Amsterdam took 100 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.2% · Refinance 35.0% · Home improvement 10.0% · Other 3.8%
Conventional 100.0% · of 80 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 |
|---|---|---|
| Missouri | 54 | 67.5% |
| Kansas | 26 | 32.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 45 |
| Joplin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930023OB56DYOL3G92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 97457 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 322601 | 1995–2017 |
Established 4 January 1926. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Citizens Bank of Amsterdam's data.
Citizens Bank of Amsterdam's data
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Citizens Bank of Amsterdam 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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