Dollars outran loans
Its loan dollars rose from $17.0 million to $31.5 million, and its typical loan from $145,000 to $165,000. It made no jumbo loans, so the rise may come from a handful of larger loans below the conforming limit.
Applications / Mortgage Analytics / Lenders / Illinois / Citizens Community Bank
Citizens Community Bank
Mascoutah, IL · State non-member bank · FDIC · $532 million assets · 104 loans in 2025
Citizens Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
104
loans originated, 2025
131
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Community Bank, which lends in the St. Louis market, nearly doubled its loan dollars in 2025 while its loan count rose only 8%.
Growth in line with peers
Its loan count rose 8%, from 96 to 104, close to the 9% typical of similar lenders, state non-member banks making between half and twice as many loans, and the whole market's 10%. It made 342 loans in 2020, more than three times as many.
A small gain in St. Louis
In St. Louis, where it has lent since 1994, its share rose from 0.1% to 0.2%, ranking it 111 of 637 lenders. It made its first loans in Orlando-Kissimmee-Sanford in 2025. Purchases were 59.6% of its loans and refinances 35.6%.
Near the middle
Low- and moderate-income (LMI) borrowers took 28.9% of its loans, near the middle of similar lenders, where 27.5% is typical. Majority-minority neighborhoods took 8.6%, against 5.9%.
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
104 loans in 2025, against a peak of 342 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Community Bank took 131 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
59.6% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 59.6% · Refinance 35.6% · Other 2.9% · Home improvement 1.9%
Conventional 100.0% · of 104 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
3 states, 2 metros, 13 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 91 | 87.5% |
| Missouri | 12 | 11.5% |
| Florida | 1 | 1.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| St. Louis | 93 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900L9ZR7FYE68H705 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2007991 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 333753 | 1994–2017 |
Established 21 December 1992. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Citizens Community Bank's data.
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