Applications / Mortgage Analytics / Lenders / Alabama / The Citizens Bank / Competition
The Citizens Bank
Enterprise, AL · State non-member bank · FDIC · $242 million assets · 34 loans in 2025
The Citizens Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
34
loans originated, 2025
37
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who The Citizens Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — DAPHNE-FAIRHOPE-FOLEY, AL, 2025
The Citizens Bank ranks 99th of 485 lenders in Daphne-Fairhope-Foley, AL, with $5.6M lent: 0.2% of a $2.98B market.
Daphne-Fairhope-Foley, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO ALABAMA, 2025
The Citizens Bank ranks 179th of 523 lenders in non-metro Alabama, with $3.5M lent: 0.1% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — MOBILE, AL, 2025
The Citizens Bank ranks 138th of 356 lenders in Mobile, AL, with $1.4M lent: 0.1% of a $1.72B market.
Mobile, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — PENSACOLA-FERRY PASS-BRENT, FL, 2025
The Citizens Bank ranks 309th of 515 lenders in Pensacola-Ferry Pass-Brent, FL, with $605K lent: 0.0% of a $3.92B market.
Pensacola-Ferry Pass-Brent, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — PANAMA CITY-PANAMA CITY BEACH, FL, 2025
The Citizens Bank ranks 357th of 443 lenders in Panama City-Panama City Beach, FL, with $295K lent: 0.0% of a $1.96B market.
Panama City-Panama City Beach, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — BIRMINGHAM, AL, 2025
The Citizens Bank ranks 491st of 523 lenders in Birmingham, AL, with $125K lent: 0.0% of a $7.02B market.
Birmingham, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — MONTGOMERY, AL, 2025
The Citizens Bank ranks 320th of 331 lenders in Montgomery, AL, with $55K lent: 0.0% of a $1.87B market.
Montgomery, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — DOTHAN, AL, 2025
The Citizens Bank ranks 205th of 222 lenders in Dothan, AL, with $95K lent: 0.0% of a $697.4M market.
Dothan, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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The Citizens 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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