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 a below average pick rate when compared to similar lenders.
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Originations
104Origination Dollar Volume (All Markets)
$17,050,000Employee count
54Top 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) | 74 | $10,470,000 | $141,486 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 20 | $4,770,000 | $238,500 | $0 | 0.00% |
| Outside of Metro Areas | 9 | $1,705,000 | $189,444 | $0 | 0.00% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 104 | $17,050,000 | $163,942 | $0 | 0.00% |
For 2020, F & C Bank's most frequently originated type of loan was Conventional, with 104 originations.
Loan Reason
For 2020, F & C Bank's most frequently cited loan purpose was Home Purchase, with 46 originations. The 2nd most popular reason was Refi, with 40 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 104 | $17,050,000 | $163,942 | $0 | 0.00% |
For 2020, F & C Bank's most frequently cited loan duration was Other, with 104 originations.
Loan Sizing
2020 saw F & C Bank place emphasis on $100k-200k loans with 43 originations, totaling $6,195,000 in origination value.
Applicant Income
F & C Bank lent most frequently to those with incomes in the $100k-150k range, with 18 originations. The second most popular income band? $50k or less, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 104 | $17,050,000 | $163,942 | $0 | 0.00% |
F & C Bank lent most frequently to those with DTI ratios of Exempt%, with 104 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.55%
F & C Bank has an average approval rate.
Pick Rate
Approvals leading to origination89.42%
F & C Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 104 | $17,050,000 | $163,942 |
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 | $98,668 |
| F & C Bank | 102 North Bynum Road Lone Jack, MO 64070 | Full Service B&M | $45,791 |
| F & C Bank | 541 East Young Street Warrensburg, MO 64093 | Full Service B&M | $78,755 |
For 2020, F & C Bank had 3 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $12,311 |
| Net interest income | $11,297 |
| Total noninterest income | $1,642 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $399 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $1,243 |
| Pre-tax net operating income | $5,145 |
| Securities gains (or losses, -) | $22 |
| Income before extraordinary items | $5,167 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,167 |
| Minority interest net income | $0 |
| Net income | $5,167 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $5,145 |
F & C Bank's gross interest income from loans was $12,311,000.
F & C Bank's net interest income from loans was $11,297,000.
F & C Bank's fee based income from loans was $399,000.
F & C Bank's net income from loans was $5,167,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,014 |
| Provision for credit losses | $438 |
| Total noninterest expense | $7,356 |
| Salaries and employee benefits | $4,137 |
| Premises and equipment expense | $1,080 |
| Additional noninterest expense | $2,139 |
| Applicable income taxes | $0 |
| Net charge-offs | $9 |
| Cash dividends | $2,195 |
F & C Bank's interest expense for loans was $1,014,000.
F & C Bank's payroll and benefits expense were $4,137,000.
F & C Bank's property, plant and equipment expenses $1,080,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| 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 | 1.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $232,315 |
| Deposits held in domestic offices | $232,315 |
| Deposits by Individuals, partnerships, and corporations | $212,386 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $18,428 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,501 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $118,993 |
| Demand deposits | $65,592 |
| Nontransaction accounts | $113,322 |
| Money market deposit accounts (MMDAs) | $47,974 |
| Other savings deposits (excluding MMDAs) | $28,942 |
| Total time deposits | $36,406 |
| Total time and savings deposits | $166,723 |
| Noninterest-bearing deposits | $41,290 |
| Interest-bearing deposits | $191,025 |
| Retail deposits | $228,520 |
| IRAs and Keogh plan accounts | $4,045 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $265,441 |
| Cash & Balances due from depository institutions | $25,618 |
| Interest-bearing balances | $18,160 |
| Total securities | $17,081 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $207,495 |
| Loan and leases loss allowance | $3,520 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $7,165 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $8,082 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $265,441 |
| Total Liabilities | $237,751 |
| Total deposits | $232,315 |
| Interest-bearing deposits | $191,025 |
| Deposits held in domestic offices | $232,315 |
| % insured (estimated) | $90 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $4,000 |
| Subordinated debt | $0 |
| All other liabilities | $1,436 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $207,495 |
| Loan and leases loss allowance | $3,520 |
| Total loans and leases (domestic) | $211,015 |
| All real estate loans | $158,652 |
| Real estate loans in domestic offices | $158,652 |
| Construction and development loans | $22,963 |
| Residential 1-4 family construction | $15,748 |
| Other construction, all land development and other land | $7,215 |
| Loans secured by nonfarm nonresidential properties | $22,834 |
| Nonfarm nonresidential secured by owner-occupied properties | $14,290 |
| Commercial real estate & other non-farm, non-residential | $8,544 |
| Multifamily residential real estate | $1,269 |
| 1-4 family residential loans | $58,662 |
| Farmland loans | $52,924 |
| Loans held in foreign offices | $0 |
| Farm loans | $31,121 |
| Commercial and industrial loans | $15,365 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $5,133 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $1,729 |
| Other loans to individuals | $3,404 |
| All other loans & leases | $744 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $694 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $12,118 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,456 |
| Non 1-4 family restructured loans & leases | $1,456 |
| Total loans and leases (foreign) | $0 |
F & C Bank had $207,495,000 of loans outstanding in 2020. $158,652,000 of loans were in real estate loans. $22,963,000 of loans were in development loans. $1,269,000 of loans were in multifamily mortgage loans. $58,662,000 of loans were in 1-4 family mortgage loans. $31,121,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,729,000 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 | 106 | $16,963 | $160,028 |
| Nonfarm, nonresidential loans - <$100k | 35 | $1,461 | $41,743 |
| Nonfarm, nonresidential loans - $100-250k | 41 | $5,473 | $133,488 |
| Nonfarm, nonresidential loans - $250k-1MM | 30 | $10,029 | $334,300 |
| Commercial & Industrial, US addressed loans - <$1MM | 346 | $15,140 | $43,757 |
| Commercial & Industrial, US addressed loans - <$100k | 299 | $6,822 | $22,816 |
| Commercial & Industrial, US addressed loans - $100-250k | 33 | $4,118 | $124,788 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 14 | $4,200 | $300,000 |
| Farmland loans - <$1MM | 219 | $26,429 | $120,680 |
| Farmland loans - <$100k | 89 | $3,865 | $43,427 |
| Farmland loans - $100-250k | 98 | $14,055 | $143,418 |
| Farmland loans - $250k-1MM | 32 | $8,509 | $265,906 |
| Agriculture operations loans - <$1MM | 547 | $26,707 | $48,824 |
| Agriculture operations loans - <$100k | 459 | $12,472 | $27,172 |
| Agriculture operations loans - $100-250k | 65 | $8,270 | $127,231 |
| Agriculture operations loans - $250k-1MM | 23 | $5,965 | $259,348 |