Applications / Mortgage Analytics / Lenders / Kansas / The Citizens State Bank
Moundridge, KS · State non-member bank · FDIC · $436 million assets · 80 loans in 2025
The Citizens State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
80
loans originated, 2025
91
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens State Bank, of Moundridge, Kansas, made fewer loans again in 2025, but a larger share of them went to borrowers of modest means than at almost any similar lender.
Its loans fell 17%, from 96 to 80, while similar lenders (state non-member banks making between half and twice as many loans) grew 9%. Only about one in seven of them grew more slowly. The fall continues a longer slide. The bank made 331 loans in 2020 and 308 in 2021, then 114 in 2022. The fall may reflect weaker demand in its towns or a choice to lend less; the figures do not say which.
Some 48.6% of its loans went to low- and moderate-income borrowers, up from 33.0% a year before and 18.2% in 2020. Similar lenders' typical share was 27.4%, and the bank's is higher than at about nineteen in twenty of them. Its typical loan, $140,000, was below similar lenders' $172,500, which fits a book tilted toward modest incomes.
Wichita is its biggest market. It ranked 77 of 367 lenders there, with 0.3% of the market, unchanged from 2024. Peoples Bank and Trust Company and Rocket Mortgage lead that market. Home purchases made up 66.3% of its lending, and every loan was conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Citizens State Bank took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.3% · Refinance 22.5% · Other 10.0% · Home improvement 1.3%
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 |
|---|---|---|
| Kansas | 80 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 40 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NBFJM2PBH24L77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 273550 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317672 | 1999–2017 |
Established 1 August 1904. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: The Citizens State Bank's data.
The Citizens State Bank's data
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The Citizens State Bank 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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