Peoples Bank & Trust Company Of Pointe Coupee Parish Inc Mortgage Rates, Fees & Info

New Roads, LA

LEI: 254900DIGH8B5QJNCC06

Tax ID: 72-0875048

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc is a smaller bank specializing in Home Purchase and Refi loans. Peoples Bank & Trust Company Of Pointe Coupee Parish Inc has a high proportion of conventional loans. Their top markets by origination volume include: Baton Rouge, Hammond, Opelousas, Hutchinson, and Houma among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc 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.

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    Originations

    284

    Origination Dollar Volume (All Markets)

    $47,390,000

    Employee count

    53

    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
    BATON ROUGE, LA (FHA|USDA|VA) 269 $44,755,000 $166,375 $0 0.00%
    Outside of Metro Areas 5 $645,000 $129,000 $0 0.00%
    HAMMOND, LA (FHA|USDA|VA) 2 $600,000 $300,000 $0 0.00%
    Opelousas, LA (FHA|USDA|VA) 3 $595,000 $198,333 $0 0.00%
    Hutchinson, KS (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $25,000 $25,000 $0 0.00%
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's top markets include Baton Rouge, Hammond, Opelousas, Hutchinson, and Houma among others.

    Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 284 $47,390,000 $166,866 $0 0.00%

    For 2019, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently originated type of loan was Conventional, with 284 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 167 $28,545,000 $170,928 $0 0.00%
    Refi 94 $16,850,000 $179,255 $0 0.00%
    Home Improvement 19 $1,805,000 $95,000 $0 0.00%
    Other 4 $190,000 $47,500 $0 0.00%

    For 2019, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently cited loan purpose was Home Purchase, with 167 originations. The 2nd most popular reason was Refi, with 94 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 284 $47,390,000 $166,866 $0 0.00%

    For 2019, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently cited loan duration was Other, with 284 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 111 $6,785,000 $61,126 $0 0.00%
    $100k-200k 94 $14,020,000 $149,149 $0 0.00%
    $200k-400k 63 $17,215,000 $273,254 $0 0.00%
    $400k-600k 12 $5,500,000 $458,333 $0 0.00%
    $600k-1MM 3 $2,255,000 $751,667 $0 0.00%
    $1MM+ 1 $1,615,000 $1,615,000 $0 0.00%

    2019 saw Peoples Bank & Trust Company Of Pointe Coupee Parish Inc place emphasis on $100,000 or less loans with 111 originations, totaling $6,785,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 21 $3,745,000 $178,333 $0 0.00%
    $250k+ 17 $3,185,000 $187,353 $0 0.00%
    $150k-250k 16 $2,420,000 $151,250 $0 0.00%
    $50k or less 15 $1,235,000 $82,333 $0 0.00%
    $75k-100k 14 $1,640,000 $117,143 $0 0.00%
    $50k-75k 13 $1,745,000 $134,231 $0 0.00%

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc lent most frequently to those with incomes in the $100k-150k range, with 21 originations. The second most popular income band? $250k+, with 17 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 284 $47,390,000 $166,866 $0 0.00%

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc lent most frequently to those with DTI ratios of Exempt%, with 284 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 185 $33,285,000 $179,919 $0 0.00%
    White 89 $13,395,000 $150,506 $0 0.00%
    Black 10 $710,000 $71,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.04%

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    89.08%

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 284 $47,390,000 $166,866

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 6 $1,460,000 $243,333
    Multifamily:Site-Built 18 $6,570,000 $365,000
    Single Family (1-4 Units):Manufactured 33 $2,445,000 $74,091
    Single Family (1-4 Units):Site-Built 227 $36,915,000 $162,621

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 3 21.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 4 28.6%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Closing on a mortgage 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 14.3%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Trouble during payment process 2 14.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples Bank and Trust Company of Pointe Coupee Parish 14455 Wax Road Baton Rouge, LA 70818 Full Service B&M $26,752
    Peoples Bank and Trust Company of Pointe Coupee Parish 3200 Louisiana Highway 78 Livonia, LA 70755 Full Service B&M $33,176
    Peoples Bank and Trust Company of Pointe Coupee Parish 6323 Mourning Dove Dr Baton Rouge, LA 70817 Full Service B&M $9,448
    Peoples Bank and Trust Company of Pointe Coupee Parish 805 Hospital Road New Roads, LA 70760 Full Service B&M $162,244

    For 2019, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $16,654
    Net interest income $12,929
    Total noninterest income $866
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $448
    Trading account gains and fees $0
    Additional Noninterest Income $418
    Pre-tax net operating income $6,767
    Securities gains (or losses, -) $0
    Income before extraordinary items $5,368
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,368
    Minority interest net income $0
    Net income $5,368
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $5,368

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's gross interest income from loans was $16,654,000.
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's net interest income from loans was $12,929,000.
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's fee based income from loans was $448,000.
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's net income from loans was $5,368,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,725
    Provision for credit losses $230
    Total noninterest expense $6,798
    Salaries and employee benefits $3,994
    Premises and equipment expense $824
    Additional noninterest expense $1,980
    Applicable income taxes $1,399
    Net charge-offs $238
    Cash dividends $500

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's interest expense for loans was $3,725,000.
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's payroll and benefits expense were $3,994,000.
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's property, plant and equipment expenses $824,000.

    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 5.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 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 $261,037
    Deposits held in domestic offices $261,037
    Deposits by Individuals, partnerships, and corporations $239,379
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $2,777
    Deposits by Commercial banks and other depository institutions in U.S. $18,882
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $93,260
    Demand deposits $62,579
    Nontransaction accounts $167,778
    Money market deposit accounts (MMDAs) $62
    Other savings deposits (excluding MMDAs) $26,235
    Total time deposits $141,481
    Total time and savings deposits $198,459
    Noninterest-bearing deposits $93,259
    Interest-bearing deposits $167,778
    Retail deposits $230,296
    IRAs and Keogh plan accounts $7,601
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $324,436
    Cash & Balances due from depository institutions $14,419
    Interest-bearing balances $10,081
    Total securities $6,445
    Federal funds sold & reverse repurchase $32,225
    Net loans and leases $259,097
    Loan and leases loss allowance $1,410
    Trading account assets $0
    Bank premises and fixed assets $6,060
    Other real estate owned $802
    Goodwill and other intangibles $0
    All other assets $5,388

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $324,437
    Total Liabilities $281,202
    Total deposits $261,037
    Interest-bearing deposits $167,778
    Deposits held in domestic offices $261,037
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $16,136
    Subordinated debt $0
    All other liabilities $4,029

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $259,097
    Loan and leases loss allowance $1,410
    Total loans and leases (domestic) $260,507
    All real estate loans $234,473
    Real estate loans in domestic offices $234,473
    Construction and development loans $65,246
    Residential 1-4 family construction $31,371
    Other construction, all land development and other land $33,875
    Loans secured by nonfarm nonresidential properties $37,258
    Nonfarm nonresidential secured by owner-occupied properties $30,394
    Commercial real estate & other non-farm, non-residential $6,864
    Multifamily residential real estate $5,744
    1-4 family residential loans $116,026
    Farmland loans $10,199
    Loans held in foreign offices $0
    Farm loans $4,979
    Commercial and industrial loans $16,122
    To non-U.S. addressees $0
    Loans to individuals $4,692
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $1,422
    Other loans to individuals $3,270
    All other loans & leases $241
    Loans to foreign governments and official institutions $0
    Other loans $241
    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 $2,926
    Non 1-4 family restructured loans & leases $2,591
    Total loans and leases (foreign) $0

    Peoples Bank & Trust Company of Pointe Coupee Parish Inc had $259,097,000 of loans outstanding in 2019. $234,473,000 of loans were in real estate loans. $65,246,000 of loans were in development loans. $5,744,000 of loans were in multifamily mortgage loans. $116,026,000 of loans were in 1-4 family mortgage loans. $4,979,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,422,000 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 95 $25,113 $264,347
    Nonfarm, nonresidential loans - <$100k 12 $527 $43,917
    Nonfarm, nonresidential loans - $100-250k 24 $3,381 $140,875
    Nonfarm, nonresidential loans - $250k-1MM 59 $21,205 $359,407
    Commercial & Industrial, US addressed loans - <$1MM 141 $8,293 $58,816
    Commercial & Industrial, US addressed loans - <$100k 109 $2,645 $24,266
    Commercial & Industrial, US addressed loans - $100-250k 17 $2,065 $121,471
    Commercial & Industrial, US addressed loans - $250k-1MM 15 $3,583 $238,867
    Farmland loans - <$1MM 12 $1,528 $127,333
    Farmland loans - <$100k 3 $164 $54,667
    Farmland loans - $100-250k 6 $635 $105,833
    Farmland loans - $250k-1MM 3 $729 $243,000
    Agriculture operations loans - <$1MM 25 $1,767 $70,680
    Agriculture operations loans - <$100k 13 $370 $28,462
    Agriculture operations loans - $100-250k 6 $459 $76,500
    Agriculture operations loans - $250k-1MM 6 $938 $156,333