Congressional Bank Mortgage Rates, Fees & Info

Bethesda, MD

LEI: 2549008CZOYIG4FIKS25

Tax ID: 43-2022906

Latest/2023 | 2022 Data | 2021 Data | 2020 Data |

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Mortgage Data

Bank Data

Review & Overview

Congressional Bank is a smaller bank specializing in Refi loans. Congressional Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Baltimore, Columbus, New York, and Atlanta among others. We have data for 90 markets. (Some data included below & more in-depth data is available with an active subscription.)

Congressional Bank 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. Congressional Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.32% 3/28/24
30 Year Conventional Refi 6.27% 3/28/24
30 Year Cash-out Refi 6.70% 3/28/24
30 Year FHA Purchase 7.53% 3/28/24
30 Year VA Purchase 5.99% 3/28/24
30 Year USDA Purchase 6.26% 3/28/24
15 Year Conventional Purchase 5.68% 3/28/24
15 Year Conventional Refi 5.81% 3/28/24
15 Year Cash-out Refi 5.81% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Congressional Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Congressional Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

701

Origination Dollar Volume (All Markets)

$323,455,000

Employee count

210 Show all (8) awards

Top 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
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 448 $249,540,000 $557,009 $2,836 2.98%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 48 $16,110,000 $335,625 $2,741 2.71%
COLUMBUS, OH (FHA|USDA|VA) 33 $7,765,000 $235,303 $4,419 3.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 9 $3,395,000 $377,222 $7,119 2.99%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 9 $2,325,000 $258,333 $4,897 3.06%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $2,145,000 $238,333 $6,862 2.93%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $2,140,000 $356,667 $2,396 3.00%
Outside of Metro Areas 9 $1,945,000 $216,111 $4,583 3.06%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 5 $1,875,000 $375,000 $3,770 2.90%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,870,000 $467,500 $3,215 2.72%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $1,775,000 $253,571 $3,820 2.93%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $1,760,000 $293,333 $4,967 3.06%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $1,385,000 $1,385,000 $0 4.75%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,335,000 $267,000 $3,028 4.18%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3 $1,285,000 $428,333 $3,929 2.79%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $985,000 $328,333 $3,165 3.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $975,000 $195,000 $4,885 2.83%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $850,000 $425,000 $2,386 3.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $815,000 $271,667 $2,534 3.50%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $780,000 $390,000 $3,854 3.19%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $780,000 $390,000 $2,364 2.56%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $680,000 $340,000 $4,388 2.69%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $640,000 $320,000 $2,524 3.63%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $635,000 $635,000 $8,790 3.88%
Oak Harbor, WA (FHA|USDA|VA) 1 $635,000 $635,000 $13,351 3.13%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $610,000 $305,000 $3,345 3.31%
Heber, UT (FHA|USDA|VA) 1 $605,000 $605,000 $3,221 3.63%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $575,000 $575,000 $15,054 3.75%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $540,000 $270,000 $4,182 3.13%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $515,000 $515,000 $2,852 2.50%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $515,000 $515,000 $4,316 3.38%
ASHEVILLE, NC (FHA|USDA|VA) 1 $515,000 $515,000 $3,856 3.13%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $500,000 $250,000 $3,390 3.25%
RICHMOND, VA (FHA|USDA|VA) 2 $490,000 $245,000 $2,578 2.75%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $465,000 $465,000 $2,548 2.50%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $465,000 $465,000 $6,062 3.50%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $440,000 $220,000 $5,042 2.63%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $425,000 $425,000 $8,929 2.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $425,000 $425,000 $4,713 4.75%
WILMINGTON, NC (FHA|USDA|VA) 1 $405,000 $405,000 $1,037 2.75%
LOUISVILLE, KY (FHA|USDA|VA) 1 $405,000 $405,000 $1,995 2.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $395,000 $131,667 $6,087 3.79%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $385,000 $385,000 $3,914 2.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $380,000 $190,000 $3,385 3.31%
MODESTO, CA (FHA|USDA|VA) 1 $375,000 $375,000 $4,592 4.13%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $375,000 $375,000 $3,909 3.25%
FRESNO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $2,535 3.13%
BEND, OR (FHA|USDA|VA) 1 $335,000 $335,000 $3,190 3.63%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $325,000 $325,000 $4,392 2.88%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $320,000 $160,000 $4,998 2.75%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $310,000 $155,000 $4,487 2.88%
DOVER, DE (FHA|USDA|VA) 1 $305,000 $305,000 $9,238 2.63%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $305,000 $305,000 $2,656 3.38%
ELMIRA, NY (FHA|USDA|VA) 1 $305,000 $305,000 $4,081 3.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $285,000 $285,000 $3,923 2.13%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $285,000 $285,000 $2,241 3.00%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $275,000 $275,000 $8,312 2.75%
Marshall, MN (FHA|USDA|VA) 1 $275,000 $275,000 $2,466 3.00%
Barre, VT (FHA|USDA|VA) 1 $265,000 $265,000 $5,130 2.50%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $265,000 $265,000 $2,457 2.75%
KNOXVILLE, TN (FHA|USDA|VA) 1 $255,000 $255,000 $3,452 2.75%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $235,000 $235,000 $8,528 3.13%
Keene, NH (FHA|USDA|VA) 1 $235,000 $235,000 $6,944 2.99%
MADERA, CA (FHA|USDA|VA) 1 $225,000 $225,000 $9,279 3.25%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $225,000 $225,000 $9,137 3.25%
BISMARCK, ND (FHA|USDA|VA) 1 $215,000 $215,000 $2,770 3.50%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $215,000 $215,000 $3,536 2.00%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $215,000 $215,000 $7,195 3.88%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $215,000 $215,000 $2,050 3.38%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $205,000 $205,000 $6,714 4.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $205,000 $205,000 $11,594 2.75%
Elizabeth City, NC (FHA|USDA|VA) 1 $195,000 $195,000 $5,716 3.00%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $190,000 $95,000 $3,701 3.19%
Glasgow, KY (FHA|USDA|VA) 1 $185,000 $185,000 $6,646 2.50%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $175,000 $175,000 $7,238 2.88%
MUSKEGON, MI (FHA|USDA|VA) 1 $165,000 $165,000 $5,956 3.25%
KINGSTON, NY (FHA|USDA|VA) 1 $155,000 $155,000 $2,316 2.99%
Athens, OH (FHA|USDA|VA) 1 $145,000 $145,000 $6,069 3.50%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $145,000 $145,000 $3,261 3.25%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $145,000 $145,000 $7,693 2.75%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $135,000 $135,000 $8,195 4.63%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $135,000 $135,000 $1,820 3.13%
BATON ROUGE, LA (FHA|USDA|VA) 1 $125,000 $125,000 $3,764 4.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $125,000 $125,000 $5,878 2.99%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,201 3.00%
THE VILLAGES, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,360 4.13%
PUEBLO, CO (FHA|USDA|VA) 1 $95,000 $95,000 $2,388 2.88%
JACKSON, MS (FHA|USDA|VA) 1 $95,000 $95,000 $2,912 2.38%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $75,000 $75,000 $2,963 3.88%
MANSFIELD, OH (FHA|USDA|VA) 1 $75,000 $75,000 $4,224 2.75%
Congressional Bank's top markets include Washington, Baltimore, Columbus, New York, and Atlanta among others.

Their top states include:
  • Virginia (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Congressional Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 625 $299,945,000 $479,912 $3,035 2.99%
    VA 43 $16,335,000 $379,884 $4,580 2.84%
    FHA 30 $6,560,000 $218,667 $8,180 3.28%
    USDA 3 $615,000 $205,000 $5,634 3.08%

    For 2020, Congressional Bank's most frequently originated type of loan was Conventional, with 625 originations. Their 2nd most popular type was VA, with 43 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 488 $194,000,000 $397,541 $2,860 2.76%
    Home Purchase 117 $61,485,000 $525,513 $5,601 3.52%
    Cash Out Refi 89 $61,295,000 $688,708 $4,127 3.45%
    Other 4 $4,220,000 $1,055,000 $4,986 4.75%
    Home Improvement 3 $2,455,000 $818,333 $0 4.92%

    For 2020, Congressional Bank's most frequently cited loan purpose was Refi, with 488 originations. The 2nd most popular reason was Home Purchase, with 117 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 471 $184,945,000 $392,665 $3,673 2.92%
    15 Year 101 $33,385,000 $330,545 $2,558 2.40%
    Other 66 $61,400,000 $930,303 $2,622 3.65%
    20 Year 29 $10,105,000 $348,448 $2,485 2.66%
    1 Year 16 $15,920,000 $995,000 $0 5.20%
    10 Year 11 $10,175,000 $925,000 $4,423 4.56%
    5 Year 7 $7,525,000 $1,075,000 $0 4.79%

    For 2020, Congressional Bank's most frequently cited loan duration was 30 Year, with 471 originations. The 2nd most popular length was 15 Year, with 101 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 536 $211,290,000 $394,198
    $<1k 31 $11,055,000 $356,613
    $2k-3k 28 $8,310,000 $296,786
    $3k-4k 22 $6,200,000 $281,818
    $5k+ 19 $7,205,000 $379,211
    $4k-5k 10 $2,750,000 $275,000

    Congressional Bank's average total fees were $3,673, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 536 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 249 $99,915,000 $401,265
    <2.5% 241 $95,085,000 $394,544
    3-4% 141 $47,295,000 $335,426
    4-5% 52 $62,680,000 $1,205,385
    5-6% 17 $18,475,000 $1,086,765
    7-8% 1 $5,000 $5,000

    During 2020, Congressional Bank's average interest rate for loans was 2.92%, while their most frequently originated rate bucket for loans was 2.5-3%, with 249 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 290 $89,100,000 $307,241 $3,306 2.82%
    $400k-600k 229 $110,035,000 $480,502 $3,012 2.83%
    $100k-200k 73 $11,315,000 $155,000 $4,369 3.15%
    $600k-1MM 67 $46,845,000 $699,179 $4,083 3.14%
    $1MM+ 33 $65,555,000 $1,986,515 $8,883 4.81%
    $100,000 or less 9 $605,000 $67,222 $2,530 3.87%

    2020 saw Congressional Bank place emphasis on $200k-400k loans with 290 originations, totaling $89,100,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 231 $88,355,000 $382,489 $3,035 2.79%
    $150k-250k 163 $71,005,000 $435,613 $3,007 2.70%
    $75k-100k 78 $23,300,000 $298,718 $4,021 2.91%
    $250k+ 73 $37,735,000 $516,918 $3,038 2.88%
    $50k-75k 43 $9,075,000 $211,047 $4,899 3.28%
    $50k or less 27 $4,355,000 $161,296 $5,257 3.10%

    Congressional Bank lent most frequently to those with incomes in the $100k-150k range, with 231 originations. The second most popular income band? $150k-250k, with 163 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 201 $77,845,000 $387,289 $3,031 2.72%
    30-36% 118 $47,780,000 $404,915 $3,411 2.80%
    <20% 91 $34,075,000 $374,451 $2,574 2.66%
    39% 25 $8,635,000 $345,400 $4,269 3.03%
    42% 19 $8,715,000 $458,684 $4,379 3.33%
    36% 18 $5,790,000 $321,667 $2,958 3.01%
    41% 17 $6,645,000 $390,882 $3,423 3.22%
    43% 16 $6,270,000 $391,875 $3,091 3.25%
    44% 16 $5,830,000 $364,375 $5,398 3.15%
    40% 15 $6,405,000 $427,000 $3,349 2.77%
    37% 14 $5,630,000 $402,143 $3,040 2.89%
    47% 13 $5,125,000 $394,231 $4,109 2.88%
    38% 11 $3,175,000 $288,636 $2,977 2.73%
    45% 11 $3,435,000 $312,273 $4,855 3.03%
    46% 9 $3,075,000 $341,667 $4,386 2.82%
    50-60% 9 $1,965,000 $218,333 $8,144 3.56%
    49% 7 $2,225,000 $317,857 $4,202 3.07%
    48% 5 $1,205,000 $241,000 $4,303 3.00%

    Congressional Bank lent most frequently to those with DTI ratios of 20-30%, with 201 originations. The next most common DTI ratio? 30-36%, with 118 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 277 $116,415,000 $420,271 $2,578 2.60%
    White 225 $80,685,000 $358,600 $4,042 3.02%
    Not applicable 53 $75,485,000 $1,424,245 $0 4.92%
    Not provided 96 $36,740,000 $382,708 $3,360 2.96%
    Black 48 $13,260,000 $276,250 $4,983 3.18%
    American Indian 2 $870,000 $435,000 $6,507 2.56%

    Approval Rates

    Total approvals of all applications
    85.91%

    Congressional Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    58.63%

    Congressional Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 701 $323,455,000 $461,419

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $24,505,000 $2,722,778
    Single Family (1-4 Units):Manufactured 1 $295,000 $295,000
    Single Family (1-4 Units):Site-Built 691 $298,655,000 $432,207

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 25 $7,195,000 $287,800 $2,846 2.87%
    40-60% 181 $91,505,000 $505,552 $2,625 2.84%
    60-80% 326 $166,260,000 $510,000 $3,056 3.07%
    80-100% 158 $55,160,000 $349,114 $4,734 3.01%
    Over 100% 4 $1,610,000 $402,500 $5,627 2.81%
    Under 20% 3 $305,000 $101,667 $2,099 5.50%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Congressional Bank 150 Elden Street Suite 170 Herndon, VA 20170 Full Service B&M $62,993
    Congressional Bank 1700 Rockville Pike Rockville, MD 20852 Full Service B&M $306,321
    Congressional Bank 2101 K Street Northwest Washington, DC 20037 Full Service B&M $117,001
    Congressional Bank 4801-A Montgomery Lane Bethesda, MD 20814 Full Service B&M $219,252
    Congressional Bank 6701 Democracy Blvd., Suite 400 Bethesda, MD 20817 Limited, Administrative $0
    Congressional Bank 7963 Tuckerman Lane Potomac, MD 20854 Full Service B&M $529,633

    For 2020, Congressional Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $69,846
    Net interest income $59,369
    Total noninterest income $26,437
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $347
    Trading account gains and fees $0
    Additional Noninterest Income $26,090
    Pre-tax net operating income $19,583
    Securities gains (or losses, -) $2
    Income before extraordinary items $14,260
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,260
    Minority interest net income $0
    Net income $14,260
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,258

    Congressional Bank's gross interest income from loans was $69,846,000.
    Congressional Bank's net interest income from loans was $59,369,000.
    Congressional Bank's fee based income from loans was $347,000.
    Congressional Bank's net income from loans was $14,260,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,477
    Provision for credit losses $6,612
    Total noninterest expense $59,611
    Salaries and employee benefits $38,937
    Premises and equipment expense $4,205
    Additional noninterest expense $16,469
    Applicable income taxes $5,325
    Net charge-offs $747
    Cash dividends $0

    Congressional Bank's interest expense for loans was $10,477,000.
    Congressional Bank's payroll and benefits expense were $38,937,000.
    Congressional Bank's property, plant and equipment expenses $4,205,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 4.0%
    HELOC loans 0.0%
    All other family 4.0%
    Commercial & industrial loans 1.0%
    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 $1,390,824
    Deposits held in domestic offices $1,390,824
    Deposits by Individuals, partnerships, and corporations $1,261,256
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $83,151
    Deposits by Commercial banks and other depository institutions in U.S. $46,417
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $662,910
    Demand deposits $575,595
    Nontransaction accounts $727,914
    Money market deposit accounts (MMDAs) $355,067
    Other savings deposits (excluding MMDAs) $69,210
    Total time deposits $303,637
    Total time and savings deposits $815,229
    Noninterest-bearing deposits $357,981
    Interest-bearing deposits $1,032,843
    Retail deposits $1,233,995
    IRAs and Keogh plan accounts $8,083
    Brokered deposits $107,960
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,847,692
    Cash & Balances due from depository institutions $217,476
    Interest-bearing balances $195,170
    Total securities $31,768
    Federal funds sold & reverse repurchase $115
    Net loans and leases $1,522,062
    Loan and leases loss allowance $12,928
    Trading account assets $0
    Bank premises and fixed assets $5,843
    Other real estate owned $25
    Goodwill and other intangibles $28,804
    All other assets $41,599

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,847,692
    Total Liabilities $1,661,040
    Total deposits $1,390,824
    Interest-bearing deposits $1,032,843
    Deposits held in domestic offices $1,390,824
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $242,243
    Subordinated debt $0
    All other liabilities $27,973

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,522,062
    Loan and leases loss allowance $12,928
    Total loans and leases (domestic) $1,534,990
    All real estate loans $657,989
    Real estate loans in domestic offices $657,989
    Construction and development loans $100,106
    Residential 1-4 family construction $18,528
    Other construction, all land development and other land $81,578
    Loans secured by nonfarm nonresidential properties $374,029
    Nonfarm nonresidential secured by owner-occupied properties $268,250
    Commercial real estate & other non-farm, non-residential $105,779
    Multifamily residential real estate $17,442
    1-4 family residential loans $166,412
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $847,840
    To non-U.S. addressees $0
    Loans to individuals $29,161
    Credit card loans $0
    Related Plans $26
    Consumer Auto Loans $0
    Other loans to individuals $29,135
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    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 $419
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Congressional Bank had $1,522,062,000 of loans outstanding in 2020. $657,989,000 of loans were in real estate loans. $100,106,000 of loans were in development loans. $17,442,000 of loans were in multifamily mortgage loans. $166,412,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 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 39 $12,619 $323,564
    Nonfarm, nonresidential loans - <$100k 3 $97 $32,333
    Nonfarm, nonresidential loans - $100-250k 9 $1,213 $134,778
    Nonfarm, nonresidential loans - $250k-1MM 27 $11,309 $418,852
    Commercial & Industrial, US addressed loans - <$1MM 54 $5,712 $105,778
    Commercial & Industrial, US addressed loans - <$100k 6 $16 $2,667
    Commercial & Industrial, US addressed loans - $100-250k 20 $1,171 $58,550
    Commercial & Industrial, US addressed loans - $250k-1MM 28 $4,525 $161,607