Applications / Mortgage Analytics / Lenders / Kansas / The Citizens State Bank
Gridley, KS · State non-member bank · FDIC · $335 million assets · 66 loans in 2025
The Citizens State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
66
loans originated, 2025
70
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens State Bank, of Gridley, Kansas, is a steady small-town lender whose loans are much smaller than those of similar banks.
It made 66 loans in 2025, against 63 a year before, a rise of 5%. Similar lenders (state non-member banks making between half and twice as many loans) grew 9%, which puts the bank near the middle of the group. Its yearly total has stayed between 63 and 84 loans in every reported year since 2018. It filed no report for 2020 to 2022, gaps in the record rather than years without lending.
Its typical loan, $105,000, was smaller than at nearly nine in ten similar lenders, whose typical loan was $170,000. Its 66 loans came to $8.7 million. Home purchases made up 60.6% of its lending and refinancing 28.8%. Every loan was conventional; none was backed by a government agency.
Its biggest market lies outside metro areas in Kansas, where it ranked 62 of 398 lenders. It also lends in Topeka, where it ranked 90 of 236 with 0.1% of the market, and since 2023 in Joplin. Some 25.0% of its loans went to low- and moderate-income borrowers, close to similar lenders' 27.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. The Citizens State Bank took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.6% · Refinance 28.8% · Home improvement 9.1% · Other 1.5%
Conventional 100.0% · of 66 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 | 65 | 98.5% |
| Missouri | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Topeka | 10 |
| Joplin | 1 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008SG8GC5XJ48M17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 858854 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315111 | 2004–2017 |
Established 1 January 1911. Reported under HMDA 2004-2025.
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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