First Financial Bank Mortgage Rates, Fees & Info

El Dorado, AR

LEI: 254900CNZPI5WN45KW48

Tax ID: 71-0056740

5 stars - out of 5 stars, based on 29 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    First Financial Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. First Financial Bank 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: Jonesboro, Fort Smith, El Dorado, Little Rock, and Fayetteville among others. We have data for 34 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Financial 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. First Financial Bank is typically an average 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 6.53% 1/29/23
    30 Year Conventional Refi 6.32% 1/29/23
    30 Year Cash-out Refi 6.51% 1/29/23
    30 Year FHA Purchase 7.18% 1/29/23
    30 Year FHA Refi 6.83% 1/29/23
    30 Year VA Purchase 6.33% 1/29/23
    30 Year VA Refi 5.84% 1/29/23
    30 Year USDA Purchase 6.95% 1/29/23
    15 Year Conventional Purchase 6.12% 1/29/23
    15 Year Conventional Refi 5.85% 1/29/23
    15 Year Cash-out Refi 5.85% 1/29/23
    15 Year FHA Purchase 6.71% 1/29/23
    15 Year FHA Refi 6.46% 1/29/23
    15 Year VA Purchase 5.72% 1/29/23
    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.


    Originations

    834

    Origination Dollar Volume (All Markets)

    $158,990,000

    Employee count

    356 Show all (13) awards

    Relative Rate

    First Financial Bank's average 30 year fixed mortgage rate was 2.98%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.17%.

    Relative Fees (Closing Costs)

    First Financial Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,818.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    JONESBORO, AR (FHA|USDA|VA) 214 $43,760,000 $204,486 $4,475 2.86%
    FORT SMITH, AR-OK (FHA|USDA|VA) 151 $27,065,000 $179,238 $3,653 2.98%
    Outside of Metro Areas 139 $22,035,000 $158,525 $3,030 3.14%
    El Dorado, AR (FHA|USDA|VA) 109 $18,945,000 $173,807 $2,407 3.21%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 81 $17,025,000 $210,185 $3,385 2.86%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 63 $15,265,000 $242,302 $3,084 2.83%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 13 $2,015,000 $155,000 $3,347 2.99%
    HOT SPRINGS, AR (FHA|USDA|VA) 8 $2,000,000 $250,000 $2,509 2.95%
    Paragould, AR (FHA|USDA|VA) 12 $2,000,000 $166,667 $4,244 2.80%
    Russellville, AR (FHA|USDA|VA) 2 $690,000 $345,000 $3,890 2.81%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $675,000 $225,000 $6,112 2.83%
    Blytheville, AR (FHA|USDA|VA) 4 $670,000 $167,500 $4,521 2.66%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $615,000 $205,000 $4,700 2.54%
    Camden, AR (FHA|USDA|VA) 4 $560,000 $140,000 $3,829 3.25%
    JACKSON, MS (FHA|USDA|VA) 2 $460,000 $230,000 $2,818 3.81%
    Forrest City, AR (FHA|USDA|VA) 4 $410,000 $102,500 $3,067 3.83%
    Searcy, AR (FHA|USDA|VA) 2 $400,000 $200,000 $3,521 3.06%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $385,000 $385,000 $4,639 3.13%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $385,000 $385,000 $5,104 2.88%
    Magnolia, AR (FHA|USDA|VA) 2 $380,000 $190,000 $2,851 2.88%
    TULSA, OK (FHA|USDA|VA) 2 $350,000 $175,000 $3,676 2.88%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $345,000 $345,000 $3,153 2.50%
    Muskogee, OK (FHA|USDA|VA) 1 $345,000 $345,000 $7,324 3.13%
    TEXARKANA, TX-AR (FHA|USDA|VA) 2 $320,000 $160,000 $3,232 2.81%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,059 2.50%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $265,000 $265,000 $2,953 2.50%
    Starkville, MS (FHA|USDA|VA) 1 $225,000 $225,000 $2,834 2.38%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $185,000 $185,000 $2,692 3.13%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $185,000 $185,000 $2,886 3.13%
    Ruston, LA (FHA|USDA|VA) 1 $175,000 $175,000 $3,387 3.13%
    Batesville, AR (FHA|USDA|VA) 1 $165,000 $165,000 $4,249 3.00%
    Mountain Home, AR (FHA|USDA|VA) 1 $155,000 $155,000 $2,760 2.13%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,460 2.88%
    Poplar Bluff, MO (FHA|USDA|VA) 1 $95,000 $95,000 $2,343 2.25%
    First Financial Bank's top markets include Jonesboro, Fort Smith, El Dorado, Little Rock, and Fayetteville among others.

    Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 586 $115,650,000 $197,355 $2,780 3.03%
    FHA 145 $24,805,000 $171,069 $5,686 2.82%
    USDA 54 $7,150,000 $132,407 $4,267 3.08%
    VA 49 $11,385,000 $232,347 $5,014 2.75%

    For 2021, First Financial Bank's most frequently originated type of loan was Conventional, with 586 originations. Their 2nd most popular type was FHA, with 145 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 529 $98,375,000 $185,964 $3,945 3.03%
    Cash Out Refi 184 $36,630,000 $199,076 $2,729 2.93%
    Refi 114 $22,950,000 $201,316 $3,198 2.81%
    Other 6 $970,000 $161,667 $2,338 3.21%
    Home Improvement 1 $65,000 $65,000 $311 4.50%

    For 2021, First Financial Bank's most frequently cited loan purpose was Home Purchase, with 529 originations. The 2nd most popular reason was Cash Out Refi, with 184 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 646 $127,340,000 $197,121 $3,818 2.98%
    15 Year 125 $19,355,000 $154,840 $2,638 2.59%
    20 Year 40 $8,080,000 $202,000 $2,501 3.56%
    Other 13 $1,625,000 $125,000 $1,728 3.81%
    10 Year 7 $565,000 $80,714 $1,250 3.95%
    5 Year 2 $1,840,000 $920,000 $311 4.50%
    3 Year 1 $185,000 $185,000 $0 5.25%

    For 2021, First Financial Bank's most frequently cited loan duration was 30 Year, with 646 originations. The 2nd most popular length was 15 Year, with 125 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 544 $103,780,000 $190,772
    $1k-2k 131 $18,415,000 $140,573
    $2k-3k 78 $16,820,000 $215,641
    $3k-4k 24 $7,460,000 $310,833
    $4k-5k 6 $2,250,000 $375,000
    $5k+ 4 $1,370,000 $342,500

    First Financial Bank's average total fees were $3,818, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 544 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 389 $79,405,000 $204,126
    3-4% 215 $39,915,000 $185,651
    <2.5% 179 $33,255,000 $185,782
    4-5% 41 $5,655,000 $137,927
    5-6% 10 $760,000 $76,000

    During 2021, First Financial Bank's average interest rate for loans was 2.98%, while their most frequently originated rate bucket for loans was 2.5-3%, with 389 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 380 $57,610,000 $151,605 $3,498 2.90%
    $200k-400k 265 $72,055,000 $271,906 $4,202 2.87%
    $100,000 or less 155 $10,765,000 $69,452 $2,479 3.38%
    $400k-600k 32 $14,830,000 $463,438 $3,418 2.88%
    $1MM+ 2 $3,730,000 $1,865,000 $0 4.25%

    2021 saw First Financial Bank place emphasis on $100k-200k loans with 380 originations, totaling $57,610,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 236 $28,990,000 $122,839 $3,281 2.98%
    $50k-75k 200 $34,150,000 $170,750 $3,947 2.96%
    $100k-150k 139 $31,705,000 $228,094 $3,191 2.94%
    $75k-100k 129 $27,885,000 $216,163 $4,152 2.85%
    $150k-250k 84 $21,370,000 $254,405 $3,321 2.98%
    $250k+ 35 $10,285,000 $293,857 $2,622 3.21%

    First Financial Bank lent most frequently to those with incomes in the $50k or less range, with 236 originations. The second most popular income band? $50k-75k, with 200 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 230 $41,780,000 $181,652 $3,089 2.97%
    30-36% 146 $26,790,000 $183,493 $3,488 2.97%
    <20% 105 $17,945,000 $170,905 $2,493 2.96%
    39% 34 $7,980,000 $234,706 $4,614 2.95%
    50-60% 30 $6,280,000 $209,333 $6,022 2.80%
    38% 28 $5,360,000 $191,429 $3,484 2.98%
    43% 26 $4,820,000 $185,385 $3,933 2.86%
    37% 25 $4,825,000 $193,000 $4,044 2.90%
    40% 23 $4,915,000 $213,696 $4,402 2.93%
    41% 23 $4,975,000 $216,304 $4,041 2.96%
    42% 21 $4,205,000 $200,238 $3,921 2.84%
    36% 20 $3,020,000 $151,000 $3,033 3.04%
    49% 17 $2,805,000 $165,000 $3,966 3.15%
    45% 17 $3,705,000 $217,941 $5,014 2.79%
    46% 17 $3,115,000 $183,235 $4,671 2.85%
    44% 17 $3,015,000 $177,353 $3,635 2.83%
    48% 13 $2,705,000 $208,077 $5,015 2.79%
    47% 12 $3,040,000 $253,333 $3,959 2.85%
    >60% 1 $235,000 $235,000 $1,644 2.75%

    First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 230 originations. The next most common DTI ratio? 30-36%, with 146 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 728 $136,690,000 $187,761 $3,545 2.95%
    Not provided 35 $7,015,000 $200,429 $3,328 3.09%
    Black 30 $4,590,000 $153,000 $3,522 3.18%
    Not applicable 10 $4,510,000 $451,000 $0 4.40%
    Asian 15 $3,315,000 $221,000 $4,042 2.93%
    American Indian 16 $2,870,000 $179,375 $4,200 3.00%

    Approval Rates

    Total approvals of all applications
    92.73%

    First Financial Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.45%

    First Financial Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 834 $158,990,000 $190,635

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    834 $158,990,000 $190,635

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 24 $4,610,000 $192,083 $2,179 2.78%
    40-60% 84 $12,790,000 $152,262 $2,651 2.83%
    60-80% 250 $50,320,000 $201,280 $2,876 2.99%
    80-100% 453 $86,085,000 $190,033 $3,990 2.99%
    Over 100% 21 $5,095,000 $242,619 $7,657 3.30%
    Under 20% 2 $90,000 $45,000 $563 4.63%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST FINANCIAL BANCORP Other type of mortgage Trouble during payment process 1 25.0%
    FIRST FINANCIAL BANCORP Conventional home mortgage Struggling to pay mortgage 1 25.0%
    FIRST FINANCIAL BANCORP Conventional home mortgage Trouble during payment process 1 25.0%
    FIRST FINANCIAL BANCORP Home equity loan or line of credit (HELOC) Trouble during payment process 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Financial Bank 318 Griffith Street El Dorado, AR 71730 Full Service B&M $46,942
    First Financial Bank 528 East Merriman Avenue Wynne, AR 72396 Full Service B&M $160,229
    First Financial Bank 500 Timberlane El Dorado, AR 71730 Full Service B&M $47,872
    First Financial Bank 3251 Highway 42 Cherry Valley, AR 72324 Full Service B&M $13,864
    First Financial Bank 510 Hwy 35 S Carthage, MS 39051 Full Service B&M $163,191
    First Financial Bank 122 West Seventh Street Smackover, AR 71762 Full Service B&M $26,067
    First Financial Bank 124 North Edmonds Avenue Mccrory, AR 72101 Full Service B&M $58,492
    First Financial Bank 1501 North University Avenue, Suite 150 Little Rock, AR 72207 Full Service B&M $56,218
    First Financial Bank 201 East Jackson Harrisburg, AR 72432 Full Service B&M $83,434
    First Financial Bank 214 North Washington El Dorado, AR 71730 Full Service B&M $44,610
    First Financial Bank 2300 East Main El Dorado, AR 71730 Full Service B&M $10,992
    First Financial Bank 315 West Main Street El Dorado, AR 71730 Full Service B&M $348,707
    First Financial Bank 600 Highway 71 South Mena, AR 71953 Full Service B&M $84,861
    First Financial Bank 605 N Illinois, Suite 2 Harrisburg, AR 72432 Full Service Retail $633
    First Financial Bank 700 N Robinson St Senatobia, MS 38668 Full Service B&M $102,962
    First Financial Bank 806 Highway 64e Wynne, AR 72396 Full Service B&M $8,804
    First Financial Bank 810 North Washington Forrest City, AR 72335 Full Service B&M $23,829

    For 2021, First Financial Bank had 17 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $57,108
    Net interest income $45,913
    Total noninterest income $35,970
    Gross Fiduciary activities income $47
    Service charges on deposit accounts $2,562
    Trading account gains and fees $0
    Additional Noninterest Income $33,361
    Pre-tax net operating income $27,234
    Securities gains (or losses, -) $129
    Income before extraordinary items $27,363
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $27,363
    Minority interest net income $0
    Net income $27,363
    Sale, conversion, retirement of capital stock, net $1,298
    Net operating income $27,234

    First Financial Bank's gross interest income from loans was $57,108,000.
    First Financial Bank's net interest income from loans was $45,913,000.
    First Financial Bank's fee based income from loans was $2,562,000.
    First Financial Bank's net income from loans was $27,363,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,195
    Provision for credit losses $905
    Total noninterest expense $53,744
    Salaries and employee benefits $32,434
    Premises and equipment expense $4,319
    Additional noninterest expense $16,991
    Applicable income taxes $0
    Net charge-offs $1,893
    Cash dividends $17,964

    First Financial Bank's interest expense for loans was $11,195,000.
    First Financial Bank's payroll and benefits expense were $32,434,000.
    First Financial Bank's property, plant and equipment expenses $4,319,000.

    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 1.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 5.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,275,291
    Deposits held in domestic offices $1,275,291
    Deposits by Individuals, partnerships, and corporations $1,211,912
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $61,002
    Deposits by Commercial banks and other depository institutions in U.S. $2,377
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $543,036
    Demand deposits $259,817
    Nontransaction accounts $732,255
    Money market deposit accounts (MMDAs) $115,082
    Other savings deposits (excluding MMDAs) $125,407
    Total time deposits $491,766
    Total time and savings deposits $1,015,474
    Noninterest-bearing deposits $252,027
    Interest-bearing deposits $1,023,264
    Retail deposits $1,087,033
    IRAs and Keogh plan accounts $67,014
    Brokered deposits $19,073
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,543,558
    Cash & Balances due from depository institutions $413,086
    Interest-bearing balances $398,593
    Total securities $107,352
    Federal funds sold & reverse repurchase $27,452
    Net loans and leases $892,599
    Loan and leases loss allowance $11,606
    Trading account assets $0
    Bank premises and fixed assets $14,770
    Other real estate owned $6,451
    Goodwill and other intangibles $25,222
    All other assets $56,626

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,543,558
    Total Liabilities $1,354,295
    Total deposits $1,275,291
    Interest-bearing deposits $1,023,264
    Deposits held in domestic offices $1,275,291
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $1,499
    Trading liabilities $0
    Other borrowed funds $65,515
    Subordinated debt $0
    All other liabilities $11,990

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $892,599
    Loan and leases loss allowance $11,606
    Total loans and leases (domestic) $904,205
    All real estate loans $736,411
    Real estate loans in domestic offices $736,411
    Construction and development loans $70,224
    Residential 1-4 family construction $1,554
    Other construction, all land development and other land $68,670
    Loans secured by nonfarm nonresidential properties $99,091
    Nonfarm nonresidential secured by owner-occupied properties $70,613
    Commercial real estate & other non-farm, non-residential $28,478
    Multifamily residential real estate $5,526
    1-4 family residential loans $72,817
    Farmland loans $488,753
    Loans held in foreign offices $0
    Farm loans $26,605
    Commercial and industrial loans $110,060
    To non-U.S. addressees $0
    Loans to individuals $24,043
    Credit card loans $0
    Related Plans $123
    Consumer Auto Loans $6,271
    Other loans to individuals $17,649
    All other loans & leases $8,125
    Loans to foreign governments and official institutions $0
    Other loans $6,337
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $2,453
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $6,056
    Non 1-4 family restructured loans & leases $5,852
    Total loans and leases (foreign) $0

    First Financial Bank had $892,599,000 of loans outstanding in 2021. $736,411,000 of loans were in real estate loans. $70,224,000 of loans were in development loans. $5,526,000 of loans were in multifamily mortgage loans. $72,817,000 of loans were in 1-4 family mortgage loans. $26,605,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,271,000 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 307 $45,056 $146,762
    Nonfarm, nonresidential loans - <$100k 142 $4,529 $31,894
    Nonfarm, nonresidential loans - $100-250k 84 $10,536 $125,429
    Nonfarm, nonresidential loans - $250k-1MM 81 $29,991 $370,259
    Commercial & Industrial, US addressed loans - <$1MM 954 $77,044 $80,759
    Commercial & Industrial, US addressed loans - <$100k 646 $14,866 $23,012
    Commercial & Industrial, US addressed loans - $100-250k 168 $18,290 $108,869
    Commercial & Industrial, US addressed loans - $250k-1MM 140 $43,888 $313,486
    Farmland loans - <$1MM 1,713 $150,478 $87,845
    Farmland loans - <$100k 905 $30,257 $33,433
    Farmland loans - $100-250k 542 $55,516 $102,428
    Farmland loans - $250k-1MM 266 $64,705 $243,252
    Agriculture operations loans - <$1MM 212 $11,265 $53,137
    Agriculture operations loans - <$100k 148 $2,798 $18,905
    Agriculture operations loans - $100-250k 34 $3,134 $92,176
    Agriculture operations loans - $250k-1MM 30 $5,333 $177,767