Applications / Mortgage Analytics / Lenders / Texas / Citizens State Bank
Buffalo, TX · State non-member bank · FDIC · $950 million assets · 20 loans in 2025
Citizens State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
20
loans originated, 2025
41
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens State Bank, a Texas bank with $950 million in assets, halved its small mortgage book in 2025, to 20 loans.
Its loans fell 52%, from 42 to 20. Similar lenders, state non-member banks making between half and twice as many loans, fell 13%, and the whole market grew 10%. Its lending peaked at 77 loans in 2022 and has fallen in each year since. The figures do not say why.
Its largest market is the part of Texas outside the metro areas, where it ranked 391 of 831 lenders. In Waco it held a steady 0.1% share. Counting the bank it merged with in 2019, The State National Bank in West, it has been in the Waco market since 1990. It first appeared in Dallas-Fort Worth in 2023, where it is among the smallest lenders.
In 2020, 2024 and 2025 every loan it made was conventional, as at the typical similar lender, with no government-backed lending. In 2025 refinances made up 45.0% of its loans, purchases 35.0% and other purposes 20.0%.
It first reported in 2020 and filed nothing for 2018 or 2019; those are gaps in the record, not years without lending. On 20 loans, its shares of lending to poorer borrowers and neighborhoods, of manufactured homes and of larger loans move with a single loan, so they say little about its pattern of 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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Citizens State Bank took 41 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 45.0% · Purchase 35.0% · Other 20.0%
Conventional 100.0% · of 20 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 |
|---|---|---|
| Texas | 20 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 5 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006T1BV8J2I7XC10 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 54656 | 2022–2023 |
Established 1 January 1925. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Citizens State Bank's data.
Citizens State Bank's data
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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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