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 and Refi loans. Queensborough National Bank & Trust Company 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: Augusta, Savannah, Atlanta, Statesboro, and Columbia among others. We have data for 46 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% 11/21/24
    30 Year Conventional Refi 6.37% 11/21/24
    30 Year Cash-out Refi 6.50% 11/21/24
    30 Year FHA Purchase 6.88% 11/21/24
    30 Year VA Purchase 6.05% 11/21/24
    30 Year VA Refi 5.70% 11/21/24
    30 Year USDA Purchase 6.27% 11/21/24
    15 Year Conventional Purchase 5.96% 11/21/24
    15 Year Conventional Refi 6.00% 11/21/24
    15 Year Cash-out Refi 6.00% 11/21/24
    15 Year FHA Purchase 7.22% 11/21/24
    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

    1,900

    Origination Dollar Volume (All Markets)

    $431,520,000

    Employee count

    322 Show all (16) 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) 1,626 $371,250,000 $228,321 $2,760 2.97%
    Outside of Metro Areas 105 $18,265,000 $173,952 $2,911 3.11%
    SAVANNAH, GA (FHA|USDA|VA) 56 $14,650,000 $261,607 $2,656 3.27%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 34 $8,220,000 $241,765 $3,002 2.89%
    Statesboro, GA (FHA|USDA|VA) 14 $3,460,000 $247,143 $4,398 4.04%
    COLUMBIA, SC (FHA|USDA|VA) 8 $1,950,000 $243,750 $2,262 2.70%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,000,000 $250,000 $1,163 3.34%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $890,000 $445,000 $2,008 2.69%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $815,000 $271,667 $2,608 3.17%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $705,000 $705,000 $0 4.75%
    JACKSONVILLE, FL (FHA|USDA|VA) 3 $695,000 $231,667 $4,222 3.38%
    Milledgeville, GA (FHA|USDA|VA) 3 $665,000 $221,667 $1,646 3.25%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $510,000 $255,000 $3,276 2.81%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $505,000 $505,000 $2,131 2.50%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $465,000 $465,000 $4,773 2.50%
    JACKSON, MS (FHA|USDA|VA) 1 $455,000 $455,000 $7,890 2.25%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $395,000 $395,000 $2,923 3.25%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $385,000 $385,000 $2,896 3.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $380,000 $190,000 $2,497 2.63%
    Jefferson, GA (FHA|USDA|VA) 1 $375,000 $375,000 $3,739 2.75%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $375,000 $375,000 $78 2.25%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $370,000 $185,000 $3,620 2.81%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $365,000 $365,000 $1,976 2.88%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $325,000 $325,000 $2,684 2.63%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $315,000 $315,000 $3,068 2.25%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $310,000 $155,000 $971 3.06%
    TUCSON, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $13,366 2.38%
    Palatka, FL (FHA|USDA|VA) 2 $250,000 $125,000 $1,423 3.62%
    Hailey, ID (FHA|USDA|VA) 1 $245,000 $245,000 $3,066 2.88%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $245,000 $245,000 $2,129 2.63%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $235,000 $235,000 $3,071 3.00%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,207 2.25%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $205,000 $205,000 $3,369 2.25%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.75%
    Brevard, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 2.50%
    Waycross, GA (FHA|USDA|VA) 1 $195,000 $195,000 $2,304 3.13%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $190,000 $95,000 $0 2.81%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,720 2.50%
    Columbus, MS (FHA|USDA|VA) 1 $125,000 $125,000 $2,262 2.25%
    CLEVELAND, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,013 2.25%
    VALDOSTA, GA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.29%
    Dublin, GA (FHA|USDA|VA) 2 $110,000 $55,000 $640 3.69%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $105,000 $105,000 $2,464 3.00%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.13%
    Greenwood, SC (FHA|USDA|VA) 1 $95,000 $95,000 $2,453 2.25%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $35,000 $35,000 $2,591 3.75%
    Queensborough National Bank & Trust Company's top markets include Augusta, Savannah, Atlanta, Statesboro, and Columbia 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.

    Coastal Carolina National Bank
    Similarity Rank: 500
    Emory Alliance Credit Union
    Similarity Rank: 855
    SANCTUARY HOME MORTGAGE LLC
    Similarity Rank: 932
    FIRST CHOICE MORTGAGE, INC.
    Similarity Rank: 1176
    AUGUSTA MORTGAGE CO.
    Similarity Rank: 1404
    Credence Funding Corporation
    Similarity Rank: 1560
    AMERICAN HOME MORTGAGE, INC.
    Similarity Rank: 1792
    COCA-COLA
    Similarity Rank: 2496
    First Community Bank
    Similarity Rank: 2920
    Kwik Mortgage Corporation
    Similarity Rank: 3026

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,411 $314,485,000 $222,881 $2,437 3.09%
    VA 350 $92,620,000 $264,629 $3,711 2.64%
    FHA 117 $21,445,000 $183,291 $3,672 2.79%
    USDA 22 $2,970,000 $135,000 $1,572 3.14%

    For 2020, Queensborough National Bank & Trust Company's most frequently originated type of loan was Conventional, with 1,411 originations. Their 2nd most popular type was VA, with 350 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,094 $246,220,000 $225,064 $2,529 3.06%
    Refi 582 $136,190,000 $234,003 $2,877 2.81%
    Cash Out Refi 209 $46,405,000 $222,033 $3,697 2.93%
    Home Improvement 12 $2,290,000 $190,833 $1,487 5.82%
    Other 3 $415,000 $138,333 $3,164 5.20%

    For 2020, Queensborough National Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 1,094 originations. The 2nd most popular reason was Refi, with 582 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,421 $332,505,000 $233,994 $2,734 2.93%
    15 Year 277 $53,655,000 $193,700 $2,913 2.59%
    20 Year 77 $19,025,000 $247,078 $3,005 2.83%
    Other 59 $11,025,000 $186,864 $2,483 5.06%
    5 Year 26 $6,300,000 $242,308 $0 4.88%
    10 Year 22 $5,040,000 $229,091 $2,510 3.29%
    1 Year 18 $3,970,000 $220,556 $3,503 4.92%

    For 2020, Queensborough National Bank & Trust Company's most frequently cited loan duration was 30 Year, with 1,421 originations. The 2nd most popular length was 15 Year, with 277 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,373 $316,455,000 $230,484
    $1k-2k 162 $33,010,000 $203,765
    $2k-3k 79 $19,865,000 $251,456
    $3k-4k 41 $11,515,000 $280,854
    $5k+ 20 $11,150,000 $557,500
    $4k-5k 17 $6,065,000 $356,765

    Queensborough National Bank & Trust Company's average total fees were $2,734, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,373 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 616 $139,570,000 $226,575
    <2.5% 603 $143,815,000 $238,499
    3-4% 558 $126,420,000 $226,559
    4-5% 69 $15,745,000 $228,188
    5-6% 40 $4,860,000 $121,500
    6-7% 9 $595,000 $66,111
    Over 8% 3 $425,000 $141,667
    7-8% 2 $90,000 $45,000

    During 2020, Queensborough National Bank & Trust Company's average interest rate for loans was 2.93%, while their most frequently originated rate bucket for loans was 2.5-3%, with 616 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 828 $225,930,000 $272,862 $3,038 2.84%
    $100k-200k 699 $104,935,000 $150,122 $2,186 2.97%
    $100,000 or less 202 $14,440,000 $71,485 $1,974 3.69%
    $400k-600k 151 $69,945,000 $463,212 $4,050 2.87%
    $600k-1MM 17 $12,525,000 $736,765 $7,779 3.84%
    $1MM+ 3 $3,745,000 $1,248,333 $0 4.10%

    2020 saw Queensborough National Bank & Trust Company place emphasis on $200k-400k loans with 828 originations, totaling $225,930,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 422 $76,980,000 $182,417 $2,543 2.91%
    $100k-150k 411 $101,665,000 $247,360 $3,078 2.96%
    $75k-100k 329 $70,915,000 $215,547 $2,742 2.94%
    $50k or less 238 $31,650,000 $132,983 $2,175 3.02%
    $150k-250k 222 $64,440,000 $290,270 $3,206 3.04%
    $250k+ 122 $42,910,000 $351,721 $3,840 3.11%

    Queensborough National Bank & Trust Company lent most frequently to those with incomes in the $50k-75k range, with 422 originations. The second most popular income band? $100k-150k, with 411 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 496 $108,000,000 $217,742 $2,644 2.89%
    30-36% 324 $74,210,000 $229,043 $2,696 2.96%
    <20% 279 $61,495,000 $220,412 $2,718 2.84%
    38% 62 $14,010,000 $225,968 $1,901 3.04%
    36% 57 $12,655,000 $222,018 $2,604 2.97%
    37% 56 $13,170,000 $235,179 $3,179 3.08%
    41% 51 $10,965,000 $215,000 $2,550 2.96%
    43% 49 $9,585,000 $195,612 $2,249 2.92%
    39% 47 $12,595,000 $267,979 $3,939 2.92%
    42% 46 $11,340,000 $246,522 $3,316 3.15%
    40% 46 $10,450,000 $227,174 $2,682 3.04%
    44% 44 $9,850,000 $223,864 $3,343 3.06%
    45% 43 $9,855,000 $229,186 $3,196 2.89%
    49% 33 $7,975,000 $241,667 $3,501 2.86%
    48% 32 $7,380,000 $230,625 $3,884 2.87%
    47% 32 $7,240,000 $226,250 $3,658 2.89%
    46% 25 $6,185,000 $247,400 $3,713 2.94%
    50-60% 17 $3,755,000 $220,882 $3,394 3.18%
    >60% 3 $335,000 $111,667 $1,049 4.70%

    Queensborough National Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 496 originations. The next most common DTI ratio? 30-36%, with 324 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,555 $349,745,000 $224,916 $2,753 2.95%
    Black 141 $31,285,000 $221,879 $2,856 3.11%
    Asian 86 $18,740,000 $217,907 $2,782 2.85%
    Not provided 64 $16,490,000 $257,656 $3,187 2.73%
    Not applicable 43 $13,635,000 $317,093 $0 4.78%
    American Indian 4 $700,000 $175,000 $2,701 3.00%
    Asian Indian 3 $395,000 $131,667 $2,279 2.71%
    Native Hawaiian or Islander 1 $305,000 $305,000 $0 2.63%
    Other Asian 2 $160,000 $80,000 $0 4.65%
    Chinese 1 $65,000 $65,000 $0 6.35%

    Approval Rates

    Total approvals of all applications
    92.81%

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

    Pick Rate

    Approvals leading to origination
    85.42%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,900 $431,520,000 $227,116

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 12 $6,370,000 $530,833
    Single Family (1-4 Units):Manufactured 4 $250,000 $62,500
    Single Family (1-4 Units):Site-Built 1,884 $424,900,000 $225,531

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 70 $12,620,000 $180,286 $2,551 3.21%
    40-60% 228 $44,190,000 $193,816 $2,695 3.14%
    60-80% 635 $137,845,000 $217,079 $2,701 3.04%
    80-100% 916 $223,470,000 $243,963 $2,601 2.91%
    Over 100% 38 $11,530,000 $303,421 $8,857 2.66%
    Under 20% 10 $930,000 $93,000 $1,640 4.28%

    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 $119,068
    Queensborough National Bank & Trust Company 116 North Main Street Wadley, GA 30477 Full Service B&M $45,349
    Queensborough National Bank & Trust Company 1450 Greene Street, Suite 150 Augusta, GA 30901 Full Service B&M $59,509
    Queensborough National Bank & Trust Company 201 South Main Street Statesboro, GA 30458 Full Service B&M $29,788
    Queensborough National Bank & Trust Company 202 N. Harris Street Sandersville, GA 31082 Full Service B&M $67,540
    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 $49,285
    Queensborough National Bank & Trust Company 24-28 North Broad Street Metter, GA 30439 Full Service B&M $30,177
    Queensborough National Bank & Trust Company 2550 Tobacco Road Hephzibah, GA 30815 Full Service B&M $47,612
    Queensborough National Bank & Trust Company 301 Mims Road Sylvania, GA 30467 Full Service B&M $23,730
    Queensborough National Bank & Trust Company 311 East Winthrope Avenue Millen, GA 30442 Full Service B&M $52,328
    Queensborough National Bank & Trust Company 3617 Walton Way Extension Augusta, GA 30909 Full Service B&M $158,260
    Queensborough National Bank & Trust Company 421 Fury's Ferry Road Martinez, GA 30907 Full Service B&M $70,323
    Queensborough National Bank & Trust Company 4226 Columbia Road Martinez, GA 30907 Full Service B&M $122,712
    Queensborough National Bank & Trust Company 4321 Washington Road Evans, GA 30809 Full Service B&M $77,004
    Queensborough National Bank & Trust Company 5049 Wrightsboro Road Grovetown, GA 30813 Full Service B&M $61,902
    Queensborough National Bank & Trust Company 549 West Hill Street Thomson, GA 30824 Full Service B&M $63,676
    Queensborough National Bank & Trust Company 597 S. Columbia Avenue Rincon, GA 31326 Full Service B&M $26,284
    Queensborough National Bank & Trust Company 692 South Main Street Swainsboro, GA 30401 Full Service B&M $59,444
    Queensborough National Bank & Trust Company 711 North Main Street Wrens, GA 30833 Full Service B&M $39,865
    Queensborough National Bank & Trust Company 721 Liberty Street Waynesboro, GA 30830 Full Service B&M $97,896
    Queensborough National Bank & Trust Company 7393 Hodgson Memorial Drive Savannah, GA 31406 Full Service B&M $31,285
    Queensborough National Bank & Trust Company Jones And North Railroad Streets Midville, GA 30441 Full Service B&M $8,481

    For 2020, Queensborough National Bank & Trust Company had 24 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $53,240
    Net interest income $47,963
    Total noninterest income $19,906
    Gross Fiduciary activities income $321
    Service charges on deposit accounts $7,203
    Trading account gains and fees $0
    Additional Noninterest Income $12,382
    Pre-tax net operating income $16,402
    Securities gains (or losses, -) $36
    Income before extraordinary items $12,786
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,786
    Minority interest net income $0
    Net income $12,786
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,757

    Queensborough National Bank & Trust Company's gross interest income from loans was $53,240,000.
    Queensborough National Bank & Trust Company's net interest income from loans was $47,963,000.
    Queensborough National Bank & Trust Company's fee based income from loans was $7,203,000.
    Queensborough National Bank & Trust Company's net income from loans was $12,786,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,277
    Provision for credit losses $4,100
    Total noninterest expense $47,367
    Salaries and employee benefits $30,716
    Premises and equipment expense $3,158
    Additional noninterest expense $13,493
    Applicable income taxes $3,652
    Net charge-offs $500
    Cash dividends $1,450

    Queensborough National Bank & Trust Company's interest expense for loans was $5,277,000.
    Queensborough National Bank & Trust Company's payroll and benefits expense were $30,716,000.
    Queensborough National Bank & Trust Company's property, plant and equipment expenses $3,158,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    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 $1,496,415
    Deposits held in domestic offices $1,496,415
    Deposits by Individuals, partnerships, and corporations $1,247,067
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $248,851
    Deposits by Commercial banks and other depository institutions in U.S. $497
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $112,381
    Demand deposits $74,258
    Nontransaction accounts $1,384,034
    Money market deposit accounts (MMDAs) $1,089,019
    Other savings deposits (excluding MMDAs) $75,941
    Total time deposits $219,074
    Total time and savings deposits $1,422,157
    Noninterest-bearing deposits $595,210
    Interest-bearing deposits $901,205
    Retail deposits $1,444,628
    IRAs and Keogh plan accounts $41,820
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,666,019
    Cash & Balances due from depository institutions $113,536
    Interest-bearing balances $73,248
    Total securities $448,464
    Federal funds sold & reverse repurchase $10,000
    Net loans and leases $1,012,291
    Loan and leases loss allowance $14,670
    Trading account assets $0
    Bank premises and fixed assets $32,098
    Other real estate owned $9,901
    Goodwill and other intangibles $3,040
    All other assets $36,689

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,666,019
    Total Liabilities $1,524,451
    Total deposits $1,496,415
    Interest-bearing deposits $901,205
    Deposits held in domestic offices $1,496,415
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $20,000
    Subordinated debt $0
    All other liabilities $8,036

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,012,291
    Loan and leases loss allowance $14,670
    Total loans and leases (domestic) $1,026,961
    All real estate loans $780,715
    Real estate loans in domestic offices $780,715
    Construction and development loans $102,633
    Residential 1-4 family construction $24,108
    Other construction, all land development and other land $78,525
    Loans secured by nonfarm nonresidential properties $338,385
    Nonfarm nonresidential secured by owner-occupied properties $250,485
    Commercial real estate & other non-farm, non-residential $87,900
    Multifamily residential real estate $10,988
    1-4 family residential loans $198,792
    Farmland loans $129,917
    Loans held in foreign offices $0
    Farm loans $23,955
    Commercial and industrial loans $200,325
    To non-U.S. addressees $0
    Loans to individuals $14,659
    Credit card loans $0
    Related Plans $162
    Consumer Auto Loans $5,998
    Other loans to individuals $8,499
    All other loans & leases $7,308
    Loans to foreign governments and official institutions $0
    Other loans $3,837
    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 $4,258
    Non 1-4 family restructured loans & leases $4,258
    Total loans and leases (foreign) $0

    Queensborough National Bank & Trust Company had $1,012,291,000 of loans outstanding in 2020. $780,715,000 of loans were in real estate loans. $102,633,000 of loans were in development loans. $10,988,000 of loans were in multifamily mortgage loans. $198,792,000 of loans were in 1-4 family mortgage loans. $23,955,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,998,000 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 711 $153,377 $215,720
    Nonfarm, nonresidential loans - <$100k 146 $5,161 $35,349
    Nonfarm, nonresidential loans - $100-250k 250 $28,696 $114,784
    Nonfarm, nonresidential loans - $250k-1MM 315 $119,520 $379,429
    Commercial & Industrial, US addressed loans - <$1MM 2,713 $156,103 $57,539
    Commercial & Industrial, US addressed loans - <$100k 2,180 $56,546 $25,939
    Commercial & Industrial, US addressed loans - $100-250k 360 $43,115 $119,764
    Commercial & Industrial, US addressed loans - $250k-1MM 173 $56,442 $326,254
    Farmland loans - <$1MM 362 $34,183 $94,428
    Farmland loans - <$100k 191 $7,066 $36,995
    Farmland loans - $100-250k 107 $11,538 $107,832
    Farmland loans - $250k-1MM 64 $15,579 $243,422
    Agriculture operations loans - <$1MM 265 $14,791 $55,815
    Agriculture operations loans - <$100k 187 $4,420 $23,636
    Agriculture operations loans - $100-250k 48 $5,159 $107,479
    Agriculture operations loans - $250k-1MM 30 $5,212 $173,733