Queensborough National Bank & Trust Company Mortgage Rates, Fees & Info

Louisville, GA

LEI: 254900C2QXQ435D8TY78

Tax ID: 58-0330052

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

    Queensborough National Bank & Trust Company is a smaller bank specializing in Home Purchase loans. Queensborough National Bank & Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Augusta, Savannah, Hilton Head Island, Atlanta, and Hinesville among others. We have data for 30 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Queensborough National Bank & Trust Company 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. Queensborough National Bank & Trust Company 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.38% 12/3/24
    30 Year Conventional Refi 6.37% 12/3/24
    30 Year Cash-out Refi 6.50% 12/3/24
    30 Year FHA Purchase 6.88% 12/3/24
    30 Year VA Purchase 6.05% 12/3/24
    30 Year VA Refi 5.70% 12/3/24
    30 Year USDA Purchase 6.27% 12/3/24
    15 Year Conventional Purchase 5.96% 12/3/24
    15 Year Conventional Refi 6.00% 12/3/24
    15 Year Cash-out Refi 6.00% 12/3/24
    15 Year FHA Purchase 7.22% 12/3/24
    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.

    Queensborough National Bank & Trust Company Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Queensborough National Bank & Trust Company. 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

    1,182

    Origination Dollar Volume (All Markets)

    $244,580,000

    Employee count

    324 Show all (11) 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
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 974 $202,530,000 $207,936 $2,660 4.06%
    SAVANNAH, GA (FHA|USDA|VA) 73 $15,055,000 $206,233 $3,067 4.62%
    Outside of Metro Areas 75 $9,455,000 $126,067 $2,039 5.00%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $5,100,000 $1,275,000 $5,019 4.47%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 11 $2,545,000 $231,364 $2,925 3.88%
    HINESVILLE, GA (FHA|USDA|VA) 6 $2,030,000 $338,333 $1,368 5.65%
    Statesboro, GA (FHA|USDA|VA) 11 $1,655,000 $150,455 $2,699 4.60%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $710,000 $355,000 $5,043 4.56%
    COLUMBIA, SC (FHA|USDA|VA) 2 $590,000 $295,000 $4,774 3.44%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $405,000 $405,000 $4,093 3.75%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $355,000 $355,000 $5,305 3.75%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $300,000 $150,000 $1,575 3.81%
    ROME, GA (FHA|USDA|VA) 2 $300,000 $150,000 $2,549 3.50%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $295,000 $295,000 $5,049 3.75%
    Jefferson, GA (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.75%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.13%
    MANSFIELD, OH (FHA|USDA|VA) 1 $275,000 $275,000 $4,670 3.13%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.88%
    FARGO, ND-MN (FHA|USDA|VA) 1 $255,000 $255,000 $804 3.25%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $4,323 3.38%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $235,000 $235,000 $4,131 3.63%
    Brainerd, MN (FHA|USDA|VA) 1 $225,000 $225,000 $6,549 3.50%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.51%
    Palatka, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.09%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $4,517 4.88%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $125,000 $125,000 $2,432 3.25%
    Dublin, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,381 3.88%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $85,000 $85,000 $418 4.25%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $55,000 $55,000 $61 3.88%
    Queensborough National Bank & Trust Company's top markets include Augusta, Savannah, Hilton Head Island, Atlanta, and Hinesville among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)

    • Similar Lenders

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

    Emory Alliance Credit Union
    Similarity Rank: 516
    Coastal Carolina National Bank
    Similarity Rank: 592
    AUGUSTA MORTGAGE CO.
    Similarity Rank: 882
    FIRST CHOICE MORTGAGE, INC.
    Similarity Rank: 1080
    LGE COMMUNITY
    Similarity Rank: 1503
    First Community Bank
    Similarity Rank: 1674
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.
    Similarity Rank: 1683
    SRP Federal Credit Union
    Similarity Rank: 1834
    Deere Employees Credit Union
    Similarity Rank: 2970
    FLAT BRANCH MORTGAGE, INC.
    Similarity Rank: 3174

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 748 $153,380,000 $205,053 $2,163 4.48%
    VA 262 $63,450,000 $242,176 $3,452 3.57%
    FHA 151 $25,145,000 $166,523 $3,204 3.66%
    USDA 21 $2,605,000 $124,048 $1,782 3.73%

    For 2019, Queensborough National Bank & Trust Company's most frequently originated type of loan was Conventional, with 748 originations. Their 2nd most popular type was VA, with 262 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 975 $207,685,000 $213,010 $2,524 4.06%
    Refi 113 $23,015,000 $203,673 $3,514 4.73%
    Cash Out Refi 80 $13,040,000 $163,000 $3,421 4.08%
    Home Improvement 10 $560,000 $56,000 $1,121 6.90%
    Other 4 $280,000 $70,000 $2,071 7.31%

    For 2019, Queensborough National Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 975 originations. The 2nd most popular reason was Refi, with 113 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 923 $195,225,000 $211,511 $2,682 3.90%
    15 Year 102 $15,570,000 $152,647 $2,275 3.91%
    Other 80 $16,040,000 $200,500 $1,667 6.34%
    5 Year 24 $8,090,000 $337,083 $1,376 5.96%
    1 Year 21 $3,985,000 $189,762 $2,799 6.26%
    20 Year 20 $4,190,000 $209,500 $3,538 4.45%
    10 Year 12 $1,480,000 $123,333 $2,794 4.39%

    For 2019, Queensborough National Bank & Trust Company's most frequently cited loan duration was 30 Year, with 923 originations. The 2nd most popular length was 15 Year, with 102 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 795 $163,265,000 $205,365
    $1k-2k 90 $15,980,000 $177,556
    $2k-3k 59 $12,765,000 $216,356
    $3k-4k 20 $5,790,000 $289,500
    $4k-5k 20 $7,350,000 $367,500
    $5k+ 7 $5,005,000 $715,000

    Queensborough National Bank & Trust Company's average total fees were $2,682, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 795 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 717 $151,775,000 $211,681
    4-5% 281 $65,585,000 $233,399
    5-6% 81 $12,785,000 $157,840
    6-7% 61 $8,925,000 $146,311
    2.5-3% 22 $4,530,000 $205,909
    Over 8% 11 $445,000 $40,455
    7-8% 8 $410,000 $51,250
    <2.5% 1 $125,000 $125,000

    During 2019, Queensborough National Bank & Trust Company's average interest rate for loans was 3.90%, while their most frequently originated rate bucket for loans was 3-4%, with 717 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 463 $70,365,000 $151,976 $2,271 3.98%
    $200k-400k 439 $118,445,000 $269,806 $3,040 3.88%
    $100,000 or less 213 $14,275,000 $67,019 $1,598 5.10%
    $400k-600k 57 $26,355,000 $462,368 $4,069 4.18%
    $600k-1MM 7 $5,015,000 $716,429 $7,799 4.32%
    $1MM+ 3 $10,125,000 $3,375,000 $17,728 5.27%

    2019 saw Queensborough National Bank & Trust Company place emphasis on $100k-200k loans with 463 originations, totaling $70,365,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 292 $51,170,000 $175,240 $2,697 3.96%
    $100k-150k 226 $51,510,000 $227,920 $2,643 4.07%
    $50k or less 206 $25,130,000 $121,990 $2,126 4.14%
    $75k-100k 190 $38,730,000 $203,842 $2,500 3.98%
    $150k-250k 118 $32,980,000 $279,492 $3,346 4.18%
    $250k+ 58 $17,600,000 $303,448 $3,981 4.39%

    Queensborough National Bank & Trust Company lent most frequently to those with incomes in the $50k-75k range, with 292 originations. The second most popular income band? $100k-150k, with 226 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 248 $48,300,000 $194,758 $2,462 4.00%
    30-36% 200 $41,270,000 $206,350 $2,534 3.96%
    <20% 120 $22,760,000 $189,667 $2,455 4.14%
    50-60% 58 $12,690,000 $218,793 $3,723 3.64%
    36% 41 $8,295,000 $202,317 $2,876 4.09%
    45% 37 $7,475,000 $202,027 $2,363 4.04%
    39% 37 $7,775,000 $210,135 $2,210 4.07%
    40% 36 $7,320,000 $203,333 $2,836 3.89%
    38% 35 $8,075,000 $230,714 $2,976 4.07%
    41% 34 $7,490,000 $220,294 $2,527 3.88%
    43% 34 $6,380,000 $187,647 $2,769 4.09%
    47% 34 $7,420,000 $218,235 $2,921 3.85%
    44% 32 $5,550,000 $173,438 $1,873 4.19%
    42% 30 $6,260,000 $208,667 $2,713 4.00%
    37% 30 $5,690,000 $189,667 $2,847 3.89%
    49% 25 $5,565,000 $222,600 $3,534 3.79%
    46% 23 $4,985,000 $216,739 $3,097 3.78%
    48% 15 $3,305,000 $220,333 $2,320 3.81%
    >60% 3 $455,000 $151,667 $2,079 6.55%

    Queensborough National Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 248 originations. The next most common DTI ratio? 30-36%, with 200 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 906 $181,250,000 $200,055 $2,621 4.06%
    Black 127 $24,705,000 $194,528 $2,766 4.02%
    Not applicable 68 $22,270,000 $327,500 $0 5.80%
    Asian 43 $9,265,000 $215,465 $3,034 4.11%
    Not provided 36 $6,840,000 $190,000 $2,688 4.03%
    American Indian 1 $185,000 $185,000 $5,904 4.00%
    Native Hawaiian or Islander 1 $65,000 $65,000 $0 3.75%

    Approval Rates

    Total approvals of all applications
    93.63%

    Queensborough National Bank & Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.21%

    Queensborough National Bank & Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,182 $244,580,000 $206,920

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 17 $13,755,000 $809,118
    Single Family (1-4 Units):Manufactured 4 $310,000 $77,500
    Single Family (1-4 Units):Site-Built 1,161 $230,515,000 $198,549

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 41 $4,385,000 $106,951 $2,000 5.21%
    40-60% 82 $16,930,000 $206,463 $2,580 5.04%
    60-80% 265 $48,825,000 $184,245 $2,862 4.59%
    80-100% 691 $152,545,000 $220,760 $2,511 3.86%
    Over 100% 34 $8,800,000 $258,824 $6,518 3.96%
    Under 20% 8 $430,000 $53,750 $1,602 5.60%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Queensborough National Bank & Trust Company 107 Us Highway 1-Bypass North Louisville, GA 30434 Limited, Drive-thru $0
    Queensborough National Bank & Trust Company 113 East Broad Street Louisville, GA 30434 Full Service B&M $93,855
    Queensborough National Bank & Trust Company 116 North Main Street Wadley, GA 30477 Full Service B&M $36,895
    Queensborough National Bank & Trust Company 1450 Greene Street, Suite 150 Augusta, GA 30901 Full Service B&M $42,100
    Queensborough National Bank & Trust Company 201 South Main Street Statesboro, GA 30458 Full Service B&M $24,196
    Queensborough National Bank & Trust Company 202 N. Harris Street Sandersville, GA 31082 Full Service B&M $48,589
    Queensborough National Bank & Trust Company 213 Highway 80 West Garden City, GA 31408 Full Service B&M $0
    Queensborough National Bank & Trust Company 216 West Hwy 80 Savannah, GA 31408 Full Service B&M $30,551
    Queensborough National Bank & Trust Company 24-28 North Broad Street Metter, GA 30439 Full Service B&M $20,435
    Queensborough National Bank & Trust Company 2550 Tobacco Road Hephzibah, GA 30815 Full Service B&M $37,638
    Queensborough National Bank & Trust Company 301 Mims Road Sylvania, GA 30467 Full Service B&M $19,268
    Queensborough National Bank & Trust Company 311 East Winthrope Avenue Millen, GA 30442 Full Service B&M $48,043
    Queensborough National Bank & Trust Company 3617 Walton Way Extension Augusta, GA 30909 Full Service B&M $124,193
    Queensborough National Bank & Trust Company 421 Fury's Ferry Road Martinez, GA 30907 Full Service B&M $57,997
    Queensborough National Bank & Trust Company 4226 Columbia Road Martinez, GA 30907 Full Service B&M $96,747
    Queensborough National Bank & Trust Company 4321 Washington Road Evans, GA 30809 Full Service B&M $58,182
    Queensborough National Bank & Trust Company 5049 Wrightsboro Road Grovetown, GA 30813 Full Service B&M $50,696
    Queensborough National Bank & Trust Company 549 West Hill Street Thomson, GA 30824 Full Service B&M $46,678
    Queensborough National Bank & Trust Company 597 S. Columbia Avenue Rincon, GA 31326 Full Service B&M $22,436
    Queensborough National Bank & Trust Company 692 South Main Street Swainsboro, GA 30401 Full Service B&M $52,861
    Queensborough National Bank & Trust Company 711 North Main Street Wrens, GA 30833 Full Service B&M $35,555
    Queensborough National Bank & Trust Company 721 Liberty Street Waynesboro, GA 30830 Full Service B&M $83,442
    Queensborough National Bank & Trust Company 7393 Hodgson Memorial Drive Savannah, GA 31406 Full Service B&M $20,478
    Queensborough National Bank & Trust Company Jones And North Railroad Streets Midville, GA 30441 Full Service B&M $7,899

    For 2019, Queensborough National Bank & Trust Company had 24 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $51,470
    Net interest income $44,888
    Total noninterest income $16,524
    Gross Fiduciary activities income $325
    Service charges on deposit accounts $8,001
    Trading account gains and fees $0
    Additional Noninterest Income $8,198
    Pre-tax net operating income $18,902
    Securities gains (or losses, -) $-1
    Income before extraordinary items $14,548
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,548
    Minority interest net income $0
    Net income $14,548
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,548

    Queensborough National Bank & Trust Company's gross interest income from loans was $51,470,000.
    Queensborough National Bank & Trust Company's net interest income from loans was $44,888,000.
    Queensborough National Bank & Trust Company's fee based income from loans was $8,001,000.
    Queensborough National Bank & Trust Company's net income from loans was $14,548,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,582
    Provision for credit losses $-250
    Total noninterest expense $42,760
    Salaries and employee benefits $26,378
    Premises and equipment expense $3,053
    Additional noninterest expense $13,329
    Applicable income taxes $4,353
    Net charge-offs $1,017
    Cash dividends $3,880

    Queensborough National Bank & Trust Company's interest expense for loans was $6,582,000.
    Queensborough National Bank & Trust Company's payroll and benefits expense were $26,378,000.
    Queensborough National Bank & Trust Company's property, plant and equipment expenses $3,053,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 4.0%
    Real Estate loans 4.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    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 $1,083,902
    Deposits held in domestic offices $1,083,902
    Deposits by Individuals, partnerships, and corporations $955,932
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $126,727
    Deposits by Commercial banks and other depository institutions in U.S. $1,243
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $79,770
    Demand deposits $50,997
    Nontransaction accounts $1,004,132
    Money market deposit accounts (MMDAs) $712,329
    Other savings deposits (excluding MMDAs) $59,475
    Total time deposits $232,328
    Total time and savings deposits $1,032,905
    Noninterest-bearing deposits $356,087
    Interest-bearing deposits $727,815
    Retail deposits $1,028,253
    IRAs and Keogh plan accounts $44,759
    Brokered deposits $3,100
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,220,650
    Cash & Balances due from depository institutions $96,037
    Interest-bearing balances $74,882
    Total securities $235,771
    Federal funds sold & reverse repurchase $10,000
    Net loans and leases $809,946
    Loan and leases loss allowance $11,070
    Trading account assets $0
    Bank premises and fixed assets $29,777
    Other real estate owned $3,885
    Goodwill and other intangibles $3,127
    All other assets $32,107

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,220,650
    Total Liabilities $1,098,014
    Total deposits $1,083,902
    Interest-bearing deposits $727,815
    Deposits held in domestic offices $1,083,902
    % insured (estimated) $70
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $10,000
    Subordinated debt $0
    All other liabilities $4,112

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $809,946
    Loan and leases loss allowance $11,070
    Total loans and leases (domestic) $821,016
    All real estate loans $691,269
    Real estate loans in domestic offices $691,269
    Construction and development loans $68,540
    Residential 1-4 family construction $21,513
    Other construction, all land development and other land $47,027
    Loans secured by nonfarm nonresidential properties $296,604
    Nonfarm nonresidential secured by owner-occupied properties $201,703
    Commercial real estate & other non-farm, non-residential $94,901
    Multifamily residential real estate $16,110
    1-4 family residential loans $168,318
    Farmland loans $141,697
    Loans held in foreign offices $0
    Farm loans $33,994
    Commercial and industrial loans $74,088
    To non-U.S. addressees $0
    Loans to individuals $13,931
    Credit card loans $0
    Related Plans $324
    Consumer Auto Loans $6,126
    Other loans to individuals $7,481
    All other loans & leases $7,734
    Loans to foreign governments and official institutions $0
    Other loans $4,388
    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 $431
    Non 1-4 family restructured loans & leases $431
    Total loans and leases (foreign) $0

    Queensborough National Bank & Trust Company had $809,946,000 of loans outstanding in 2019. $691,269,000 of loans were in real estate loans. $68,540,000 of loans were in development loans. $16,110,000 of loans were in multifamily mortgage loans. $168,318,000 of loans were in 1-4 family mortgage loans. $33,994,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,126,000 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 718 $152,415 $212,277
    Nonfarm, nonresidential loans - <$100k 163 $6,125 $37,577
    Nonfarm, nonresidential loans - $100-250k 252 $28,977 $114,988
    Nonfarm, nonresidential loans - $250k-1MM 303 $117,313 $387,172
    Commercial & Industrial, US addressed loans - <$1MM 979 $57,635 $58,871
    Commercial & Industrial, US addressed loans - <$100k 729 $16,278 $22,329
    Commercial & Industrial, US addressed loans - $100-250k 166 $15,943 $96,042
    Commercial & Industrial, US addressed loans - $250k-1MM 84 $25,414 $302,548
    Farmland loans - <$1MM 376 $37,941 $100,907
    Farmland loans - <$100k 208 $7,510 $36,106
    Farmland loans - $100-250k 109 $13,785 $126,468
    Farmland loans - $250k-1MM 59 $16,646 $282,136
    Agriculture operations loans - <$1MM 307 $20,812 $67,792
    Agriculture operations loans - <$100k 208 $5,054 $24,298
    Agriculture operations loans - $100-250k 58 $7,128 $122,897
    Agriculture operations loans - $250k-1MM 41 $8,630 $210,488