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

New Roads, LA

LEI: 254900DIGH8B5QJNCC06

Tax ID: 72-0875048

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

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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, Natchez, Hammond, New Orleans, and Lafayette among others. We have data for 10 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

    272

    Origination Dollar Volume (All Markets)

    $46,830,000

    Employee count

    48

    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) 254 $42,030,000 $165,472 $0 0.00%
    Natchez, MS-LA (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $0 0.00%
    HAMMOND, LA (FHA|USDA|VA) 4 $1,480,000 $370,000 $0 0.00%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $595,000 $198,333 $0 0.00%
    Outside of Metro Areas 3 $285,000 $95,000 $0 0.00%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $260,000 $130,000 $0 0.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
    Opelousas, LA (FHA|USDA|VA) 2 $120,000 $60,000 $0 0.00%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's top markets include Baton Rouge, Natchez, Hammond, New Orleans, and Lafayette among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 272 $46,830,000 $172,169 $0 0.00%

    For 2021, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently originated type of loan was Conventional, with 272 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 181 $31,175,000 $172,238 $0 0.00%
    Refi 67 $12,975,000 $193,657 $0 0.00%
    Home Improvement 23 $2,575,000 $111,957 $0 0.00%
    Other 1 $105,000 $105,000 $0 0.00%

    For 2021, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently cited loan purpose was Home Purchase, with 181 originations. The 2nd most popular reason was Refi, with 67 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 272 $46,830,000 $172,169 $0 0.00%

    For 2021, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently cited loan duration was Other, with 272 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 104 $14,510,000 $139,519 $0 0.00%
    $100,000 or less 99 $6,015,000 $60,758 $0 0.00%
    $200k-400k 49 $12,965,000 $264,592 $0 0.00%
    $400k-600k 11 $5,225,000 $475,000 $0 0.00%
    $600k-1MM 8 $6,310,000 $788,750 $0 0.00%
    $1MM+ 1 $1,805,000 $1,805,000 $0 0.00%

    2021 saw Peoples Bank & Trust Company Of Pointe Coupee Parish Inc place emphasis on $100k-200k loans with 104 originations, totaling $14,510,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 20 $1,270,000 $63,500 $0 0.00%
    $100k-150k 18 $2,920,000 $162,222 $0 0.00%
    $150k-250k 15 $3,155,000 $210,333 $0 0.00%
    $50k-75k 15 $1,435,000 $95,667 $0 0.00%
    $75k-100k 12 $1,330,000 $110,833 $0 0.00%
    $250k+ 10 $2,910,000 $291,000 $0 0.00%

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc lent most frequently to those with incomes in the $50k or less range, with 20 originations. The second most popular income band? $100k-150k, with 18 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 272 $46,830,000 $172,169 $0 0.00%

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc lent most frequently to those with DTI ratios of Exempt%, with 272 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 181 $33,555,000 $185,387 $0 0.00%
    White 70 $11,020,000 $157,429 $0 0.00%
    Black 19 $2,005,000 $105,526 $0 0.00%
    Asian 1 $135,000 $135,000 $0 0.00%
    Not provided 1 $115,000 $115,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    92.33%

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

    Pick Rate

    Approvals leading to origination
    80.88%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 272 $46,830,000 $172,169

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    272 $46,830,000 $172,169

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Closing on a mortgage 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 4 30.8%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Trouble during payment process 3 23.1%

    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 $34,422
    Peoples Bank and Trust Company of Pointe Coupee Parish 3200 Louisiana Highway 78 Livonia, LA 70755 Full Service B&M $39,726
    Peoples Bank and Trust Company of Pointe Coupee Parish 6323 Mourning Dove Dr Baton Rouge, LA 70817 Full Service B&M $32,264
    Peoples Bank and Trust Company of Pointe Coupee Parish 805 Hospital Road New Roads, LA 70760 Full Service B&M $199,497

    For 2021, 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 $17,428
    Net interest income $14,434
    Total noninterest income $1,032
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $401
    Trading account gains and fees $0
    Additional Noninterest Income $631
    Pre-tax net operating income $7,982
    Securities gains (or losses, -) $0
    Income before extraordinary items $6,350
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,350
    Minority interest net income $0
    Net income $6,350
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,350

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's gross interest income from loans was $17,428,000.
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's net interest income from loans was $14,434,000.
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's fee based income from loans was $401,000.
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's net income from loans was $6,350,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,994
    Provision for credit losses $344
    Total noninterest expense $7,140
    Salaries and employee benefits $4,645
    Premises and equipment expense $772
    Additional noninterest expense $1,723
    Applicable income taxes $1,632
    Net charge-offs $241
    Cash dividends $500

    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's interest expense for loans was $2,994,000.
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's payroll and benefits expense were $4,645,000.
    Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's property, plant and equipment expenses $772,000.

    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 3.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 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 $319,799
    Deposits held in domestic offices $319,799
    Deposits by Individuals, partnerships, and corporations $309,260
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $2,711
    Deposits by Commercial banks and other depository institutions in U.S. $7,828
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $147,216
    Demand deposits $97,797
    Nontransaction accounts $172,583
    Money market deposit accounts (MMDAs) $0
    Other savings deposits (excluding MMDAs) $35,558
    Total time deposits $137,025
    Total time and savings deposits $222,002
    Noninterest-bearing deposits $97,696
    Interest-bearing deposits $222,103
    Retail deposits $287,476
    IRAs and Keogh plan accounts $8,026
    Brokered deposits $7,000
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $383,171
    Cash & Balances due from depository institutions $77,964
    Interest-bearing balances $73,656
    Total securities $5,410
    Federal funds sold & reverse repurchase $10,600
    Net loans and leases $276,660
    Loan and leases loss allowance $1,906
    Trading account assets $0
    Bank premises and fixed assets $5,778
    Other real estate owned $397
    Goodwill and other intangibles $0
    All other assets $6,362

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $383,171
    Total Liabilities $329,347
    Total deposits $319,799
    Interest-bearing deposits $222,103
    Deposits held in domestic offices $319,799
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $5,136
    Subordinated debt $0
    All other liabilities $4,412

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $276,660
    Loan and leases loss allowance $1,906
    Total loans and leases (domestic) $278,566
    All real estate loans $248,600
    Real estate loans in domestic offices $248,600
    Construction and development loans $62,005
    Residential 1-4 family construction $29,136
    Other construction, all land development and other land $32,869
    Loans secured by nonfarm nonresidential properties $43,203
    Nonfarm nonresidential secured by owner-occupied properties $34,331
    Commercial real estate & other non-farm, non-residential $8,872
    Multifamily residential real estate $5,133
    1-4 family residential loans $127,945
    Farmland loans $10,314
    Loans held in foreign offices $0
    Farm loans $5,257
    Commercial and industrial loans $19,065
    To non-U.S. addressees $0
    Loans to individuals $5,468
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $1,135
    Other loans to individuals $4,333
    All other loans & leases $177
    Loans to foreign governments and official institutions $0
    Other loans $177
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Peoples Bank & Trust Company of Pointe Coupee Parish Inc had $276,660,000 of loans outstanding in 2021. $248,600,000 of loans were in real estate loans. $62,005,000 of loans were in development loans. $5,133,000 of loans were in multifamily mortgage loans. $127,945,000 of loans were in 1-4 family mortgage loans. $5,257,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,135,000 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 99 $27,692 $279,717
    Nonfarm, nonresidential loans - <$100k 7 $285 $40,714
    Nonfarm, nonresidential loans - $100-250k 31 $4,065 $131,129
    Nonfarm, nonresidential loans - $250k-1MM 61 $23,342 $382,656
    Commercial & Industrial, US addressed loans - <$1MM 233 $11,309 $48,536
    Commercial & Industrial, US addressed loans - <$100k 190 $4,337 $22,826
    Commercial & Industrial, US addressed loans - $100-250k 24 $2,192 $91,333
    Commercial & Industrial, US addressed loans - $250k-1MM 19 $4,780 $251,579
    Farmland loans - <$1MM 12 $1,293 $107,750
    Farmland loans - <$100k 3 $131 $43,667
    Farmland loans - $100-250k 7 $895 $127,857
    Farmland loans - $250k-1MM 2 $267 $133,500
    Agriculture operations loans - <$1MM 23 $1,187 $51,609
    Agriculture operations loans - <$100k 15 $329 $21,933
    Agriculture operations loans - $100-250k 3 $241 $80,333
    Agriculture operations loans - $250k-1MM 5 $617 $123,400