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, Refi, and Cash Out 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
142Origination Dollar Volume (All Markets)
$21,570,000Employee 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) | 103 | $14,545,000 | $141,214 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 22 | $4,550,000 | $206,818 | $0 | 0.00% |
| Outside of Metro Areas | 16 | $2,150,000 | $134,375 | $0 | 0.00% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 142 | $21,570,000 | $151,901 | $0 | 0.00% |
For 2021, F & C Bank's most frequently originated type of loan was Conventional, with 142 originations.
Loan Reason
For 2021, F & C Bank's most frequently cited loan purpose was Home Purchase, with 75 originations. The 2nd most popular reason was Refi, with 29 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 142 | $21,570,000 | $151,901 | $0 | 0.00% |
For 2021, F & C Bank's most frequently cited loan duration was Other, with 142 originations.
Loan Sizing
2021 saw F & C Bank place emphasis on $100,000 or less loans with 57 originations, totaling $3,325,000 in origination value.
Applicant Income
F & C Bank lent most frequently to those with incomes in the $50k or less range, with 33 originations. The second most popular income band? $100k-150k, with 23 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 142 | $21,570,000 | $151,901 | $0 | 0.00% |
F & C Bank lent most frequently to those with DTI ratios of Exempt%, with 142 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.14%
F & C Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.73%
F & C Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 142 | $21,570,000 | $151,901 |
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 | $107,914 |
| F & C Bank | 102 North Bynum Road Lone Jack, MO 64070 | Full Service B&M | $58,122 |
| F & C Bank | 541 East Young Street Warrensburg, MO 64093 | Full Service B&M | $83,380 |
For 2021, F & C Bank had 3 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $13,463 |
| Net interest income | $13,002 |
| Total noninterest income | $1,879 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $388 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $1,491 |
| Pre-tax net operating income | $6,568 |
| Securities gains (or losses, -) | $4 |
| Income before extraordinary items | $6,572 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $6,572 |
| Minority interest net income | $0 |
| Net income | $6,572 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $6,568 |
F & C Bank's gross interest income from loans was $13,463,000.
F & C Bank's net interest income from loans was $13,002,000.
F & C Bank's fee based income from loans was $388,000.
F & C Bank's net income from loans was $6,572,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $461 |
| Provision for credit losses | $270 |
| Total noninterest expense | $8,043 |
| Salaries and employee benefits | $4,474 |
| Premises and equipment expense | $1,045 |
| Additional noninterest expense | $2,524 |
| Applicable income taxes | $0 |
| Net charge-offs | $-20 |
| Cash dividends | $3,195 |
F & C Bank's interest expense for loans was $461,000.
F & C Bank's payroll and benefits expense were $4,474,000.
F & C Bank's property, plant and equipment expenses $1,045,000.
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 | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $259,478 |
| Deposits held in domestic offices | $259,478 |
| Deposits by Individuals, partnerships, and corporations | $234,228 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $23,948 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,302 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $134,778 |
| Demand deposits | $72,203 |
| Nontransaction accounts | $124,700 |
| Money market deposit accounts (MMDAs) | $56,973 |
| Other savings deposits (excluding MMDAs) | $35,105 |
| Total time deposits | $32,621 |
| Total time and savings deposits | $187,275 |
| Noninterest-bearing deposits | $47,788 |
| Interest-bearing deposits | $211,690 |
| Retail deposits | $255,572 |
| IRAs and Keogh plan accounts | $6,887 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $292,718 |
| Cash & Balances due from depository institutions | $13,480 |
| Interest-bearing balances | $4,132 |
| Total securities | $26,940 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $237,141 |
| Loan and leases loss allowance | $3,809 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,907 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $8,250 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $292,718 |
| Total Liabilities | $261,904 |
| Total deposits | $259,478 |
| Interest-bearing deposits | $211,690 |
| Deposits held in domestic offices | $259,478 |
| % insured (estimated) | $88 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $1,000 |
| Subordinated debt | $0 |
| All other liabilities | $1,426 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $237,141 |
| Loan and leases loss allowance | $3,809 |
| Total loans and leases (domestic) | $240,950 |
| All real estate loans | $187,387 |
| Real estate loans in domestic offices | $187,387 |
| Construction and development loans | $33,161 |
| Residential 1-4 family construction | $23,657 |
| Other construction, all land development and other land | $9,504 |
| Loans secured by nonfarm nonresidential properties | $33,652 |
| Nonfarm nonresidential secured by owner-occupied properties | $17,808 |
| Commercial real estate & other non-farm, non-residential | $15,844 |
| Multifamily residential real estate | $1,504 |
| 1-4 family residential loans | $64,456 |
| Farmland loans | $54,614 |
| Loans held in foreign offices | $0 |
| Farm loans | $32,121 |
| Commercial and industrial loans | $15,178 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $5,887 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $2,185 |
| Other loans to individuals | $3,702 |
| All other loans & leases | $377 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $336 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $10,719 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,343 |
| Non 1-4 family restructured loans & leases | $1,343 |
| Total loans and leases (foreign) | $0 |
F & C Bank had $237,141,000 of loans outstanding in 2021. $187,387,000 of loans were in real estate loans. $33,161,000 of loans were in development loans. $1,504,000 of loans were in multifamily mortgage loans. $64,456,000 of loans were in 1-4 family mortgage loans. $32,121,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,185,000 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 | 108 | $20,399 | $188,880 |
| Nonfarm, nonresidential loans - <$100k | 30 | $1,134 | $37,800 |
| Nonfarm, nonresidential loans - $100-250k | 44 | $5,639 | $128,159 |
| Nonfarm, nonresidential loans - $250k-1MM | 34 | $13,626 | $400,765 |
| Commercial & Industrial, US addressed loans - <$1MM | 271 | $14,765 | $54,483 |
| Commercial & Industrial, US addressed loans - <$100k | 222 | $5,923 | $26,680 |
| Commercial & Industrial, US addressed loans - $100-250k | 34 | $4,597 | $135,206 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 15 | $4,245 | $283,000 |
| Farmland loans - <$1MM | 216 | $26,309 | $121,801 |
| Farmland loans - <$100k | 90 | $3,961 | $44,011 |
| Farmland loans - $100-250k | 88 | $12,026 | $136,659 |
| Farmland loans - $250k-1MM | 38 | $10,322 | $271,632 |
| Agriculture operations loans - <$1MM | 528 | $27,778 | $52,610 |
| Agriculture operations loans - <$100k | 435 | $11,671 | $26,830 |
| Agriculture operations loans - $100-250k | 68 | $9,278 | $136,441 |
| Agriculture operations loans - $250k-1MM | 25 | $6,829 | $273,160 |