People's Savings Bank Of Rhineland Mortgage Rates, Fees & Info
Rhineland, MOLEI: 2549006YTBW0GRVA9N57
Tax ID: 43-0453725
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Mortgage Data
Bank Data
Review & Overview
People's Savings Bank Of Rhineland is a smaller bank specializing in Home Purchase loans. People's Savings Bank Of Rhineland has a high proportion of conventional loans. Their top two markets are St. Louis and Jefferson City .People's Savings Bank Of Rhineland has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
132Origination Dollar Volume (All Markets)
$20,420,000Employee count
64Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 50 | $10,840,000 | $216,800 | $0 | 0.00% |
| Outside of Metro Areas | 77 | $8,915,000 | $115,779 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 132 | $20,420,000 | $154,697 | $0 | 0.00% |
For 2019, People's Savings Bank Of Rhineland's most frequently originated type of loan was Conventional, with 132 originations.
Loan Reason
For 2019, People's Savings Bank Of Rhineland's most frequently cited loan purpose was Home Purchase, with 79 originations. The 2nd most popular reason was Refi, with 31 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 132 | $20,420,000 | $154,697 | $0 | 0.00% |
For 2019, People's Savings Bank Of Rhineland's most frequently cited loan duration was Other, with 132 originations.
Loan Sizing
2019 saw People's Savings Bank Of Rhineland place emphasis on $100,000 or less loans with 56 originations, totaling $2,980,000 in origination value.
Applicant Income
People's Savings Bank Of Rhineland lent most frequently to those with incomes in the $50k or less range, with 35 originations. The second most popular income band? $50k-75k, with 33 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 132 | $20,420,000 | $154,697 | $0 | 0.00% |
People's Savings Bank Of Rhineland lent most frequently to those with DTI ratios of Exempt%, with 132 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.14%
People's Savings Bank Of Rhineland has an average approval rate.
Pick Rate
Approvals leading to origination83.33%
People's Savings Bank Of Rhineland has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 132 | $20,420,000 | $154,697 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Struggling to pay mortgage | 3 | 21.4% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Trouble during payment process | 4 | 28.6% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.1% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 7.1% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 14.3% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 7.1% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Other type of mortgage | Trouble during payment process | 2 | 14.3% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Peoples Savings Bank of Rhineland | 101 Bluff Street Rhineland, MO 65069 | Full Service B&M | $17,890 |
| Peoples Savings Bank of Rhineland | 105 N. Sturgeon Street Montgomery City, MO 63361 | Full Service B&M | $31,132 |
| Peoples Savings Bank of Rhineland | 112 West 5th Street Hermann, MO 65041 | Full Service B&M | $90,746 |
| Peoples Savings Bank of Rhineland | 30 Muhm Center New Melle, MO 63365 | Full Service B&M | $36,977 |
| Peoples Savings Bank of Rhineland | 5000 Winghaven Boulevard Dardenne Prairie, MO 63368 | Full Service B&M | $19,246 |
| Peoples Savings Bank of Rhineland | 514 Picnic Street New Florence, MO 63363 | Full Service B&M | $31,708 |
| Peoples Savings Bank of Rhineland | 9414 Highway 100 New Haven, MO 63068 | Full Service B&M | $20,414 |
For 2019, People's Savings Bank Of Rhineland had 7 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $12,089 |
| Net interest income | $9,955 |
| Total noninterest income | $1,519 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $823 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $696 |
| Pre-tax net operating income | $3,250 |
| Securities gains (or losses, -) | $81 |
| Income before extraordinary items | $2,605 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $2,605 |
| Minority interest net income | $0 |
| Net income | $2,605 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $2,541 |
People's Savings Bank Of Rhineland's gross interest income from loans was $12,089,000.
People's Savings Bank Of Rhineland's net interest income from loans was $9,955,000.
People's Savings Bank Of Rhineland's fee based income from loans was $823,000.
People's Savings Bank Of Rhineland's net income from loans was $2,605,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,134 |
| Provision for credit losses | $505 |
| Total noninterest expense | $7,719 |
| Salaries and employee benefits | $4,462 |
| Premises and equipment expense | $825 |
| Additional noninterest expense | $2,432 |
| Applicable income taxes | $726 |
| Net charge-offs | $63 |
| Cash dividends | $830 |
People's Savings Bank Of Rhineland's interest expense for loans was $2,134,000.
People's Savings Bank Of Rhineland's payroll and benefits expense were $4,462,000.
People's Savings Bank Of Rhineland's property, plant and equipment expenses $825,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $258,363 |
| Deposits held in domestic offices | $258,363 |
| Deposits by Individuals, partnerships, and corporations | $217,886 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $40,460 |
| Deposits by Commercial banks and other depository institutions in U.S. | $17 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $135,214 |
| Demand deposits | $65,316 |
| Nontransaction accounts | $123,149 |
| Money market deposit accounts (MMDAs) | $31,066 |
| Other savings deposits (excluding MMDAs) | $23,637 |
| Total time deposits | $68,448 |
| Total time and savings deposits | $193,047 |
| Noninterest-bearing deposits | $65,451 |
| Interest-bearing deposits | $192,912 |
| Retail deposits | $251,270 |
| IRAs and Keogh plan accounts | $14,347 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $288,674 |
| Cash & Balances due from depository institutions | $15,642 |
| Interest-bearing balances | $4,152 |
| Total securities | $18,631 |
| Federal funds sold & reverse repurchase | $18,934 |
| Net loans and leases | $219,923 |
| Loan and leases loss allowance | $2,233 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $8,366 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $7,178 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $288,674 |
| Total Liabilities | $259,910 |
| Total deposits | $258,363 |
| Interest-bearing deposits | $192,912 |
| Deposits held in domestic offices | $258,363 |
| % insured (estimated) | $83 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $980 |
| Subordinated debt | $0 |
| All other liabilities | $567 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $219,923 |
| Loan and leases loss allowance | $2,233 |
| Total loans and leases (domestic) | $222,156 |
| All real estate loans | $176,352 |
| Real estate loans in domestic offices | $176,352 |
| Construction and development loans | $11,097 |
| Residential 1-4 family construction | $6,253 |
| Other construction, all land development and other land | $4,844 |
| Loans secured by nonfarm nonresidential properties | $71,599 |
| Nonfarm nonresidential secured by owner-occupied properties | $47,544 |
| Commercial real estate & other non-farm, non-residential | $24,055 |
| Multifamily residential real estate | $3,657 |
| 1-4 family residential loans | $71,711 |
| Farmland loans | $18,288 |
| Loans held in foreign offices | $0 |
| Farm loans | $5,936 |
| Commercial and industrial loans | $32,392 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $4,987 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $2,649 |
| Other loans to individuals | $2,338 |
| All other loans & leases | $2,489 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $2,137 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $53 |
| Non 1-4 family restructured loans & leases | $21 |
| Total loans and leases (foreign) | $0 |
People's Savings Bank of Rhineland had $219,923,000 of loans outstanding in 2019. $176,352,000 of loans were in real estate loans. $11,097,000 of loans were in development loans. $3,657,000 of loans were in multifamily mortgage loans. $71,711,000 of loans were in 1-4 family mortgage loans. $5,936,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,649,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 353 | $41,489 | $117,533 |
| Nonfarm, nonresidential loans - <$100k | 188 | $5,956 | $31,681 |
| Nonfarm, nonresidential loans - $100-250k | 109 | $12,618 | $115,761 |
| Nonfarm, nonresidential loans - $250k-1MM | 56 | $22,915 | $409,196 |
| Commercial & Industrial, US addressed loans - <$1MM | 351 | $19,900 | $56,695 |
| Commercial & Industrial, US addressed loans - <$100k | 283 | $6,828 | $24,127 |
| Commercial & Industrial, US addressed loans - $100-250k | 46 | $5,047 | $109,717 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 22 | $8,025 | $364,773 |
| Farmland loans - <$1MM | 109 | $11,817 | $108,413 |
| Farmland loans - <$100k | 62 | $2,297 | $37,048 |
| Farmland loans - $100-250k | 26 | $3,277 | $126,038 |
| Farmland loans - $250k-1MM | 21 | $6,243 | $297,286 |
| Agriculture operations loans - <$1MM | 148 | $3,925 | $26,520 |
| Agriculture operations loans - <$100k | 138 | $2,609 | $18,906 |
| Agriculture operations loans - $100-250k | 9 | $1,012 | $112,444 |
| Agriculture operations loans - $250k-1MM | 1 | $304 | $304,000 |