Applications / Mortgage Analytics / Lenders / Arkansas / The Citizens Bank
Batesville, AR · State member bank · FRS · $1.6 billion assets · 148 loans in 2025
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148
loans originated, 2025
184
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens Bank, based in Batesville, Arkansas, makes small conventional loans and lends more than most of its peers in poorer and majority-minority neighborhoods.
Its typical loan is $115,000, against $175,000 at similar lenders (state member banks making between half and twice as many loans). That is smaller than at nearly nine in ten of them. Home purchases make up 64.9% of its lending and home improvement 8.8%.
Of its loans, 22.3% went to low- and moderate-income (LMI) tracts, against 16.5% at peers, more than at about seven in ten of them. Its share in majority-minority tracts is 16.2%, against 4.9% at peers, up from 6.7% five years before. That is higher than at about three in four similar lenders.
Its loans rose 8% to 148, the same as similar lenders and a little behind the 10% of the whole market. It has filed under HMDA since 2016, after merging with Parkway Bank in 2015. Its largest market is non-metro Arkansas, where it ranks 63 of 459 lenders, and it is also present in Hot Springs, AR, where Arvest Bank leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank took 184 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.9% · Refinance 21.6% · Home improvement 8.8% · Other 4.7%
Conventional 100.0% · of 148 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 | 147 | 99.3% |
| Florida | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 34 |
| Hot Springs | 14 |
| Fayetteville-Springdale-Rogers | 12 |
| Fort Smith | 2 |
| Pensacola-Ferry Pass-Brent | 1 |
| Texarkana | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004EVKOLRF3JI477 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 856748 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2856748 | 2016–2017 |
Established 24 April 1953. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: The Citizens Bank's data.
The Citizens Bank's data
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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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