Steady in San Angelo
It has lent in San Angelo since 2001 and ranks 12 of 191 lenders there. Its share of the $542.3M market held at 1.9% in 2025. Mortgage Financial Services and American Pacific Mortgage lead.
Applications / Mortgage Analytics / Lenders / Texas / Citizens State Bank
Citizens State Bank
Miles, TX · State non-member bank · FDIC · $274 million assets · 65 loans in 2025
Citizens State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
65
loans originated, 2025
65
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens State Bank is a small Texas bank that mostly finances home purchases, and two in five of its loans go to majority-minority neighborhoods.
A purchase lender
Home purchases made up 81.5% of its loans, all conventional, with no manufactured homes. Its typical loan was $145,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans).
Majority-minority neighborhoods
40.0% of its loans went to majority-minority areas, against 6.6% at similar lenders, a higher share than nearly nine in ten of them. The share has stayed near that level for five years. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts), 20.0%, was near the middle.
Far fewer loans than in 2018
It made 65 loans in 2025, the same as in 2024, while similar lenders grew by 9%. In 2018 it made 222. The figures do not show why; weaker demand in its six counties or fewer refinances, now 18.5% of its loans, are possible reasons. It filed no report for 2022, a gap in the record rather than a year without lending.
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
65 loans in 2025, against a peak of 222 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 State Bank took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
81.5% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 81.5% · Refinance 18.5%
Conventional 100.0% · of 65 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
1 state, 3 metros, 6 counties
| State | Loans | Share |
|---|---|---|
| Texas | 65 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| San Angelo | 55 |
| Fort Worth-Arlington-Grapevine | 1 |
| Odessa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300911X1OUPJU7Y90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 296755 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315519 | 2001–2017 |
Established 2 August 1937. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Citizens State Bank's data.
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