Applications / Mortgage Analytics / Lenders / Arkansas / Citizens' Bank & Trust Company
Van Buren, AR · State member bank · FRS · $552 million assets · 103 loans in 2025
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103
loans originated, 2025
125
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens' Bank & Trust Company is a top-twenty lender in Fort Smith, where it has lent since at least 1990, and it makes smaller loans than similar banks, more of them on manufactured homes.
Manufactured homes took 9.7% of its loans, against 1.9% at similar lenders, state member banks making between half and twice as many loans. That is more than at four in five of them. Its typical loan was $115,000, against $175,000, lower than at nearly nine in ten.
It ranked 16 of 241 lenders in Fort Smith, with 1.6% of the market, down 0.2 points. Arvest Bank led. Small loans weigh less in a dollar share, and at about a hundred loans a year a few either way can move it.
It made 103 loans in 2025, against 100 in 2024, a rise of 3%, while similar lenders grew 8%. It made 329 loans in 2020 and 371 in 2021. Refinances were still 46.6% of its loans in 2025 and purchases 44.7%; the data give no single reason for the fall.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 & Trust Company took 125 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 46.6% · Purchase 44.7% · Home improvement 8.7%
Conventional 92.2% · FHA 2.9% · USDA (RHS or FSA) 2.9% · VA 1.9% · of 103 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 |
|---|---|---|
| Arkansas | 99 | 96.1% |
| Oklahoma | 4 | 3.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Smith | 95 |
| Fayetteville-Springdale-Rogers | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EY247F6R5IHX75 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 192147 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38738 | 1990–1995 |
| Respondent ID (the HMDA filer code before 2018) | 2192147 | 1996–2017 |
Established 1 May 1886. Reported under HMDA 1990-2025.
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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