F & C Bank Mortgage Rates, Fees & Info
Holden, MOLEI: 254900FI70PE7HWAVD04
Tax ID: 44-0241410
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Mortgage Data
Bank Data
Review & Overview
F & C Bank is a smaller bank specializing in Home Purchase and Refi loans. F & C Bank has a high proportion of conventional loans. Their top markets by origination volume include: Warrensburg, Kansas City, and Sedalia among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)F & C Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
115Origination Dollar Volume (All Markets)
$19,785,000Employee count
51Top 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 |
|---|---|---|---|---|---|
| Warrensburg, MO (FHA|USDA|VA) | 85 | $13,315,000 | $156,647 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 20 | $4,060,000 | $203,000 | $0 | 0.00% |
| Outside of Metro Areas | 9 | $2,365,000 | $262,778 | $0 | 0.00% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 115 | $19,785,000 | $172,043 | $0 | 0.00% |
For 2019, F & C Bank's most frequently originated type of loan was Conventional, with 115 originations.
Loan Reason
For 2019, F & C Bank's most frequently cited loan purpose was Home Purchase, with 73 originations. The 2nd most popular reason was Refi, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 115 | $19,785,000 | $172,043 | $0 | 0.00% |
For 2019, F & C Bank's most frequently cited loan duration was Other, with 115 originations.
Loan Sizing
2019 saw F & C Bank place emphasis on $100,000 or less loans with 48 originations, totaling $3,010,000 in origination value.
Applicant Income
F & C Bank lent most frequently to those with incomes in the $50k or less range, with 25 originations. The second most popular income band? $100k-150k, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 115 | $19,785,000 | $172,043 | $0 | 0.00% |
F & C Bank lent most frequently to those with DTI ratios of Exempt%, with 115 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.79%
F & C Bank has an average approval rate.
Pick Rate
Approvals leading to origination93.04%
F & C Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 115 | $19,785,000 | $172,043 |
Occupancy Type Mix
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| F & C Bank | 1006 Eagle Crest Drive Holden, MO 64040 | Full Service B&M | $88,675 |
| F & C Bank | 102 North Bynum Road Lone Jack, MO 64070 | Full Service B&M | $39,961 |
| F & C Bank | 541 East Young Street Warrensburg, MO 64093 | Full Service B&M | $62,395 |
For 2019, F & C Bank had 3 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $11,954 |
| Net interest income | $10,514 |
| Total noninterest income | $1,491 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $480 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $1,011 |
| Pre-tax net operating income | $4,744 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $4,744 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $4,744 |
| Minority interest net income | $0 |
| Net income | $4,744 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $4,744 |
F & C Bank's gross interest income from loans was $11,954,000.
F & C Bank's net interest income from loans was $10,514,000.
F & C Bank's fee based income from loans was $480,000.
F & C Bank's net income from loans was $4,744,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,440 |
| Provision for credit losses | $250 |
| Total noninterest expense | $7,011 |
| Salaries and employee benefits | $3,828 |
| Premises and equipment expense | $1,034 |
| Additional noninterest expense | $2,149 |
| Applicable income taxes | $0 |
| Net charge-offs | $15 |
| Cash dividends | $3,000 |
F & C Bank's interest expense for loans was $1,440,000.
F & C Bank's payroll and benefits expense were $3,828,000.
F & C Bank's property, plant and equipment expenses $1,034,000.
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 | 2.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 1.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 2.0% |
| Personal loans | 3.0% |
| Credit card loans | 0.0% |
| Other individual loans | 3.0% |
| Auto loans | 5.0% |
| Other consumer loans | 1.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $195,023 |
| Deposits held in domestic offices | $195,023 |
| Deposits by Individuals, partnerships, and corporations | $170,615 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $22,330 |
| Deposits by Commercial banks and other depository institutions in U.S. | $2,078 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $98,612 |
| Demand deposits | $57,935 |
| Nontransaction accounts | $96,411 |
| Money market deposit accounts (MMDAs) | $35,385 |
| Other savings deposits (excluding MMDAs) | $21,740 |
| Total time deposits | $39,284 |
| Total time and savings deposits | $137,088 |
| Noninterest-bearing deposits | $29,691 |
| Interest-bearing deposits | $165,332 |
| Retail deposits | $188,759 |
| IRAs and Keogh plan accounts | $6,173 |
| Brokered deposits | $2,171 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $234,223 |
| Cash & Balances due from depository institutions | $7,054 |
| Interest-bearing balances | $1,618 |
| Total securities | $12,854 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $198,737 |
| Loan and leases loss allowance | $3,090 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,901 |
| Other real estate owned | $85 |
| Goodwill and other intangibles | $0 |
| All other assets | $8,592 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $234,223 |
| Total Liabilities | $209,693 |
| Total deposits | $195,023 |
| Interest-bearing deposits | $165,332 |
| Deposits held in domestic offices | $195,023 |
| % insured (estimated) | $92 |
| Federal funds purchased and repurchase agreements | $8,212 |
| Trading liabilities | $0 |
| Other borrowed funds | $5,000 |
| Subordinated debt | $0 |
| All other liabilities | $1,458 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $198,737 |
| Loan and leases loss allowance | $3,090 |
| Total loans and leases (domestic) | $201,827 |
| All real estate loans | $150,700 |
| Real estate loans in domestic offices | $150,700 |
| Construction and development loans | $17,061 |
| Residential 1-4 family construction | $12,868 |
| Other construction, all land development and other land | $4,193 |
| Loans secured by nonfarm nonresidential properties | $22,472 |
| Nonfarm nonresidential secured by owner-occupied properties | $13,882 |
| Commercial real estate & other non-farm, non-residential | $8,590 |
| Multifamily residential real estate | $926 |
| 1-4 family residential loans | $60,523 |
| Farmland loans | $49,718 |
| Loans held in foreign offices | $0 |
| Farm loans | $32,221 |
| Commercial and industrial loans | $13,081 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $5,394 |
| Credit card loans | $0 |
| Related Plans | $1 |
| Consumer Auto Loans | $1,881 |
| Other loans to individuals | $3,512 |
| All other loans & leases | $430 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $430 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $11,174 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,491 |
| Non 1-4 family restructured loans & leases | $1,491 |
| Total loans and leases (foreign) | $0 |
F & C Bank had $198,737,000 of loans outstanding in 2019. $150,700,000 of loans were in real estate loans. $17,061,000 of loans were in development loans. $926,000 of loans were in multifamily mortgage loans. $60,523,000 of loans were in 1-4 family mortgage loans. $32,221,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,881,000 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 | 111 | $17,804 | $160,396 |
| Nonfarm, nonresidential loans - <$100k | 43 | $1,910 | $44,419 |
| Nonfarm, nonresidential loans - $100-250k | 43 | $5,695 | $132,442 |
| Nonfarm, nonresidential loans - $250k-1MM | 25 | $10,199 | $407,960 |
| Commercial & Industrial, US addressed loans - <$1MM | 238 | $12,071 | $50,718 |
| Commercial & Industrial, US addressed loans - <$100k | 199 | $4,843 | $24,337 |
| Commercial & Industrial, US addressed loans - $100-250k | 25 | $2,715 | $108,600 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 14 | $4,513 | $322,357 |
| Farmland loans - <$1MM | 207 | $24,897 | $120,275 |
| Farmland loans - <$100k | 86 | $3,766 | $43,791 |
| Farmland loans - $100-250k | 91 | $13,176 | $144,791 |
| Farmland loans - $250k-1MM | 30 | $7,955 | $265,167 |
| Agriculture operations loans - <$1MM | 588 | $27,408 | $46,612 |
| Agriculture operations loans - <$100k | 501 | $13,163 | $26,273 |
| Agriculture operations loans - $100-250k | 61 | $7,749 | $127,033 |
| Agriculture operations loans - $250k-1MM | 26 | $6,496 | $249,846 |