Congressional Bank Mortgage Rates, Fees & Info

Bethesda, MD

LEI: 2549008CZOYIG4FIKS25

Tax ID: 43-2022906

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Congressional Bank is a smaller bank specializing in Refi and Home Purchase 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, Detroit, Baltimore, Orlando, and Columbus among others. We have data for 71 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Congressional Bank has an above 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% 4/28/24
    30 Year Conventional Refi 6.27% 4/28/24
    30 Year Cash-out Refi 6.70% 4/28/24
    30 Year FHA Purchase 7.53% 4/28/24
    30 Year VA Purchase 5.99% 4/28/24
    30 Year USDA Purchase 6.26% 4/28/24
    15 Year Conventional Purchase 5.68% 4/28/24
    15 Year Conventional Refi 5.81% 4/28/24
    15 Year Cash-out Refi 5.81% 4/28/24
    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

    659

    Origination Dollar Volume (All Markets)

    $344,275,000

    Employee count

    270 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) 453 $254,155,000 $561,049 $3,051 2.97%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $25,355,000 $25,355,000 $0 4.50%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 58 $18,450,000 $318,103 $2,603 2.61%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 16 $4,670,000 $291,875 $5,294 3.03%
    COLUMBUS, OH (FHA|USDA|VA) 17 $4,235,000 $249,118 $4,089 2.87%
    SALISBURY, MD-DE (FHA|USDA|VA) 5 $4,135,000 $827,000 $11,543 3.70%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 7 $3,065,000 $437,857 $4,370 2.94%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $2,665,000 $888,333 $8,564 4.00%
    Outside of Metro Areas 5 $1,385,000 $277,000 $3,928 3.00%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 6 $1,280,000 $213,333 $3,568 2.83%
    RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,130,000 $282,500 $3,018 2.78%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $1,085,000 $361,667 $3,831 3.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $9,960 2.88%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,198 2.67%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $995,000 $995,000 $7,120 3.00%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $955,000 $318,333 $3,723 2.87%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $900,000 $450,000 $3,370 2.88%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $855,000 $285,000 $5,085 2.96%
    RICHMOND, VA (FHA|USDA|VA) 4 $730,000 $182,500 $2,461 2.38%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $640,000 $320,000 $2,909 2.81%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $610,000 $305,000 $2,626 2.88%
    RENO, NV (FHA|USDA|VA) 2 $610,000 $305,000 $2,691 2.56%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $610,000 $305,000 $4,262 3.56%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $605,000 $605,000 $0 5.00%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $575,000 $575,000 $0 5.25%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $570,000 $285,000 $4,789 3.00%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $550,000 $275,000 $2,178 2.69%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $530,000 $265,000 $5,087 2.81%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $520,000 $260,000 $5,283 2.88%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $515,000 $515,000 $21,285 2.63%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $515,000 $515,000 $4,436 2.50%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $515,000 $515,000 $21,441 2.63%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $485,000 $485,000 $2,497 2.75%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $470,000 $235,000 $6,625 2.56%
    LYNCHBURG, VA (FHA|USDA|VA) 3 $405,000 $135,000 $2,222 2.95%
    BEND, OR (FHA|USDA|VA) 1 $405,000 $405,000 $8,180 2.99%
    DOVER, DE (FHA|USDA|VA) 1 $375,000 $375,000 $4,735 2.99%
    Cambridge, MD (FHA|USDA|VA) 2 $360,000 $180,000 $2,767 2.75%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $355,000 $355,000 $2,490 2.75%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $335,000 $335,000 $8,796 1.99%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $315,000 $315,000 $2,915 2.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $305,000 $305,000 $2,517 3.13%
    BILLINGS, MT (FHA|USDA|VA) 1 $275,000 $275,000 $9,419 2.25%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,095 3.25%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $255,000 $255,000 $9,410 2.75%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,484 3.13%
    Hilo, HI (FHA|USDA|VA) 1 $245,000 $245,000 $9,015 3.88%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $245,000 $245,000 $2,257 2.25%
    READING, PA (FHA|USDA|VA) 1 $235,000 $235,000 $5,010 3.13%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $225,000 $225,000 $7,657 2.88%
    Calhoun, GA (FHA|USDA|VA) 1 $225,000 $225,000 $8,592 3.75%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $215,000 $215,000 $3,365 2.65%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,511 2.38%
    Defiance, OH (FHA|USDA|VA) 1 $205,000 $205,000 $5,734 3.00%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $185,000 $185,000 $3,962 2.99%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,447 3.12%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $185,000 $185,000 $4,204 2.99%
    Easton, MD (FHA|USDA|VA) 1 $185,000 $185,000 $2,743 2.63%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,450 2.75%
    STAUNTON, VA (FHA|USDA|VA) 1 $135,000 $135,000 $3,137 2.99%
    ROCHESTER, NY (FHA|USDA|VA) 1 $135,000 $135,000 $4,423 3.25%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $125,000 $125,000 $2,496 3.25%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $125,000 $125,000 $2,537 3.25%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $115,000 $115,000 $2,817 2.38%
    ROANOKE, VA (FHA|USDA|VA) 1 $105,000 $105,000 $5,401 2.49%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,091 2.50%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $95,000 $95,000 $2,455 2.25%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,526 2.63%
    Pittsburg, KS (FHA|USDA|VA) 1 $95,000 $95,000 $3,547 3.00%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,152 3.13%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $85,000 $85,000 $6,762 2.50%
    Congressional Bank's top markets include Washington, Detroit, Baltimore, Orlando, and Columbus among others.

    Their top states include:
  • Virginia (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Michigan (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.

    N C P D Federal Credit Union
    Similarity Rank: 102
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    Similarity Rank: 246
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    Similarity Rank: 252
    Mutual Savings Bank
    Similarity Rank: 264
    CINFED Federal Credit Union
    Similarity Rank: 288
    Emory Alliance Credit Union
    Similarity Rank: 305
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    Similarity Rank: 352
    POINT BREEZE
    Similarity Rank: 477
    Sharefax Credit Union
    Similarity Rank: 505
    Cedar Point Federal Credit Union
    Similarity Rank: 546

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 613 $327,245,000 $533,842 $3,060 2.95%
    VA 24 $10,970,000 $457,083 $7,022 2.52%
    FHA 20 $5,610,000 $280,500 $9,302 3.01%
    USDA 2 $450,000 $225,000 $5,127 2.63%

    For 2021, Congressional Bank's most frequently originated type of loan was Conventional, with 613 originations. Their 2nd most popular type was VA, with 24 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 401 $154,025,000 $384,102 $2,611 2.62%
    Home Purchase 139 $111,485,000 $802,050 $6,159 3.61%
    Cash Out Refi 113 $67,065,000 $593,496 $3,976 3.15%
    Home Improvement 3 $4,245,000 $1,415,000 $0 4.92%
    Other 3 $7,455,000 $2,485,000 $3,484 4.28%

    For 2021, Congressional Bank's most frequently cited loan purpose was Refi, with 401 originations. The 2nd most popular reason was Home Purchase, with 139 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 426 $171,080,000 $401,596 $3,788 2.83%
    15 Year 108 $35,150,000 $325,463 $2,542 2.35%
    Other 48 $66,930,000 $1,394,375 $2,576 4.14%
    20 Year 32 $10,960,000 $342,500 $2,739 2.60%
    10 Year 21 $8,035,000 $382,619 $2,173 3.22%
    1 Year 14 $13,820,000 $987,143 $0 5.43%
    5 Year 9 $12,945,000 $1,438,333 $0 4.80%
    3 Year 1 $25,355,000 $25,355,000 $0 4.50%

    For 2021, Congressional Bank's most frequently cited loan duration was 30 Year, with 426 originations. The 2nd most popular length was 15 Year, with 108 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 534 $203,020,000 $380,187
    $2k-3k 19 $5,395,000 $283,947
    $3k-4k 15 $3,305,000 $220,333
    $5k+ 10 $7,280,000 $728,000
    $<1k 9 $3,745,000 $416,111
    $4k-5k 7 $1,905,000 $272,143

    Congressional Bank's average total fees were $3,788, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 534 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 267 $102,525,000 $383,989
    <2.5% 245 $91,395,000 $373,041
    3-4% 75 $30,835,000 $411,133
    4-5% 63 $102,135,000 $1,621,190
    5-6% 7 $16,485,000 $2,355,000
    7-8% 1 $5,000 $5,000
    Over 8% 1 $895,000 $895,000

    During 2021, Congressional Bank's average interest rate for loans was 2.83%, while their most frequently originated rate bucket for loans was 2.5-3%, with 267 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 275 $82,625,000 $300,455 $3,234 2.76%
    $400k-600k 204 $99,050,000 $485,539 $3,369 2.68%
    $100k-200k 62 $9,700,000 $156,452 $3,121 2.86%
    $600k-1MM 60 $44,260,000 $737,667 $4,222 3.49%
    $1MM+ 40 $107,320,000 $2,683,000 $13,623 4.71%
    $100,000 or less 18 $1,320,000 $73,333 $3,080 2.86%

    2021 saw Congressional Bank place emphasis on $200k-400k loans with 275 originations, totaling $82,625,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 198 $72,600,000 $366,667 $3,297 2.68%
    $150k-250k 179 $76,595,000 $427,905 $2,776 2.64%
    $250k+ 70 $37,900,000 $541,429 $4,592 2.91%
    $75k-100k 63 $19,665,000 $312,143 $3,929 2.75%
    $50k-75k 48 $10,250,000 $213,542 $4,094 2.90%
    $50k or less 29 $4,625,000 $159,483 $3,554 2.81%

    Congressional Bank lent most frequently to those with incomes in the $100k-150k range, with 198 originations. The second most popular income band? $150k-250k, with 179 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 190 $70,830,000 $372,789 $3,140 2.65%
    30-36% 126 $50,150,000 $398,016 $3,745 2.74%
    <20% 75 $25,305,000 $337,400 $2,660 2.59%
    38% 19 $6,635,000 $349,211 $3,067 2.85%
    41% 16 $8,280,000 $517,500 $5,024 2.95%
    37% 16 $7,160,000 $447,500 $2,456 2.73%
    42% 15 $4,925,000 $328,333 $4,324 2.83%
    36% 15 $5,985,000 $399,000 $2,751 2.70%
    39% 15 $7,545,000 $503,000 $4,190 2.90%
    45% 14 $6,460,000 $461,429 $3,568 2.75%
    43% 14 $4,260,000 $304,286 $3,292 2.79%
    49% 12 $3,450,000 $287,500 $5,746 2.99%
    44% 11 $3,645,000 $331,364 $3,205 2.79%
    48% 10 $2,910,000 $291,000 $3,752 2.90%
    47% 10 $2,980,000 $298,000 $3,221 2.94%
    40% 10 $3,880,000 $388,000 $3,556 3.17%
    50-60% 9 $2,235,000 $248,333 $6,977 2.91%
    46% 9 $3,545,000 $393,889 $3,368 2.64%

    Congressional Bank lent most frequently to those with DTI ratios of 20-30%, with 190 originations. The next most common DTI ratio? 30-36%, with 126 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 63 $116,965,000 $1,856,587 $0 4.90%
    Asian 242 $95,290,000 $393,760 $2,603 2.60%
    White 202 $76,390,000 $378,168 $4,279 2.82%
    Not provided 107 $41,105,000 $384,159 $3,360 2.78%
    Black 43 $14,075,000 $327,326 $4,194 2.83%
    American Indian 1 $245,000 $245,000 $9,015 3.88%
    Native Hawaiian or Islander 1 $205,000 $205,000 $7,257 3.63%

    Approval Rates

    Total approvals of all applications
    93.21%

    Congressional Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    65.25%

    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 659 $344,275,000 $522,420

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    659 $344,275,000 $522,420

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 39 $13,915,000 $356,795 $2,586 2.57%
    40-60% 200 $117,080,000 $585,400 $2,520 2.71%
    60-80% 292 $150,600,000 $515,753 $3,241 3.05%
    80-100% 115 $48,605,000 $422,652 $5,382 2.99%
    Over 100% 3 $1,115,000 $371,667 $9,396 2.83%
    Under 20% 10 $12,960,000 $1,296,000 $6,523 4.93%

    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 $48,872
    Congressional Bank 1700 Rockville Pike Rockville, MD 20852 Full Service B&M $497,332
    Congressional Bank 2101 K Street Northwest Washington, DC 20037 Full Service B&M $171,945
    Congressional Bank 4801-A Montgomery Lane Bethesda, MD 20814 Full Service B&M $104,651
    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 $909,180

    For 2021, Congressional Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $130,033
    Net interest income $122,036
    Total noninterest income $31,577
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $484
    Trading account gains and fees $0
    Additional Noninterest Income $31,093
    Pre-tax net operating income $49,443
    Securities gains (or losses, -) $0
    Income before extraordinary items $37,192
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $37,192
    Minority interest net income $0
    Net income $37,192
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $37,192

    Congressional Bank's gross interest income from loans was $130,033,000.
    Congressional Bank's net interest income from loans was $122,036,000.
    Congressional Bank's fee based income from loans was $484,000.
    Congressional Bank's net income from loans was $37,192,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,997
    Provision for credit losses $19,496
    Total noninterest expense $84,674
    Salaries and employee benefits $56,127
    Premises and equipment expense $4,288
    Additional noninterest expense $24,259
    Applicable income taxes $12,251
    Net charge-offs $3,991
    Cash dividends $0

    Congressional Bank's interest expense for loans was $7,997,000.
    Congressional Bank's payroll and benefits expense were $56,127,000.
    Congressional Bank's property, plant and equipment expenses $4,288,000.

    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 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 3.0%
    HELOC loans 0.0%
    All other family 4.0%
    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 $3,849,804
    Deposits held in domestic offices $3,849,804
    Deposits by Individuals, partnerships, and corporations $3,627,876
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $183,924
    Deposits by Commercial banks and other depository institutions in U.S. $38,004
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,745,658
    Demand deposits $1,112,780
    Nontransaction accounts $2,104,146
    Money market deposit accounts (MMDAs) $1,756,675
    Other savings deposits (excluding MMDAs) $69,738
    Total time deposits $277,733
    Total time and savings deposits $2,737,024
    Noninterest-bearing deposits $556,006
    Interest-bearing deposits $3,293,798
    Retail deposits $3,346,787
    IRAs and Keogh plan accounts $8,674
    Brokered deposits $497,347
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,591,096
    Cash & Balances due from depository institutions $1,178,360
    Interest-bearing balances $1,157,873
    Total securities $32,453
    Federal funds sold & reverse repurchase $114
    Net loans and leases $3,263,527
    Loan and leases loss allowance $28,433
    Trading account assets $0
    Bank premises and fixed assets $5,044
    Other real estate owned $0
    Goodwill and other intangibles $37,383
    All other assets $74,215

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,591,096
    Total Liabilities $3,988,040
    Total deposits $3,849,804
    Interest-bearing deposits $3,293,798
    Deposits held in domestic offices $3,849,804
    % insured (estimated) $33
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $102,887
    Subordinated debt $0
    All other liabilities $35,349

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,263,527
    Loan and leases loss allowance $28,433
    Total loans and leases (domestic) $3,291,960
    All real estate loans $1,289,249
    Real estate loans in domestic offices $1,289,249
    Construction and development loans $145,551
    Residential 1-4 family construction $29,050
    Other construction, all land development and other land $116,501
    Loans secured by nonfarm nonresidential properties $972,993
    Nonfarm nonresidential secured by owner-occupied properties $738,807
    Commercial real estate & other non-farm, non-residential $234,186
    Multifamily residential real estate $42,020
    1-4 family residential loans $128,685
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $956,391
    To non-U.S. addressees $0
    Loans to individuals $269,637
    Credit card loans $0
    Related Plans $24
    Consumer Auto Loans $0
    Other loans to individuals $269,613
    All other loans & leases $776,684
    Loans to foreign governments and official institutions $0
    Other loans $776,684
    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 $4,267
    Non 1-4 family restructured loans & leases $3,451
    Total loans and leases (foreign) $0

    Congressional Bank had $3,263,527,000 of loans outstanding in 2021. $1,289,249,000 of loans were in real estate loans. $145,551,000 of loans were in development loans. $42,020,000 of loans were in multifamily mortgage loans. $128,685,000 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 $12,656 $324,513
    Nonfarm, nonresidential loans - <$100k 2 $77 $38,500
    Nonfarm, nonresidential loans - $100-250k 10 $1,527 $152,700
    Nonfarm, nonresidential loans - $250k-1MM 27 $11,052 $409,333
    Commercial & Industrial, US addressed loans - <$1MM 282 $36,500 $129,433
    Commercial & Industrial, US addressed loans - <$100k 122 $6,335 $51,926
    Commercial & Industrial, US addressed loans - $100-250k 117 $19,304 $164,991
    Commercial & Industrial, US addressed loans - $250k-1MM 43 $10,861 $252,581