The City National Bank Of Sulphur Springs Mortgage Rates, Fees & Info
Sulphur Springs, TXLEI: 254900M1AHTCIYKM7V90
Tax ID: 75-0191733
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Bank Data
Review & Overview
The City National Bank Of Sulphur Springs is a smaller bank specializing in various types of mortgages.We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.93% | 4/18/24 |
| 30 Year Conventional Refi | 6.84% | 4/18/24 |
| 30 Year Cash-out Refi | 7.27% | 4/18/24 |
| 15 Year Conventional Purchase | 6.82% | 4/18/24 |
| 15 Year Conventional Refi | 6.30% | 4/18/24 |
| 15 Year Cash-out Refi | 6.30% | 4/18/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
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Originations
0Origination Dollar Volume (All Markets)
$0Employee count
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Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The City National Bank of Sulphur Springs | 1133 Mockingbird Lane Sulphur Springs, TX 75482 | Full Service B&M | $65,802 |
| The City National Bank of Sulphur Springs | 120 North Main Street Yantis, TX 75497 | Full Service B&M | $45,173 |
| The City National Bank of Sulphur Springs | 200 North Pacific Street Mineola, TX 75773 | Full Service B&M | $47,180 |
| The City National Bank of Sulphur Springs | 201 Connally Street Sulphur Springs, TX 75482 | Full Service B&M | $168,341 |
| The City National Bank of Sulphur Springs | 205 Beaulah Street Hawkins, TX 75765 | Full Service B&M | $23,031 |
| The City National Bank of Sulphur Springs | 210 South Main St Winnsboro, TX 75494 | Full Service B&M | $56,581 |
| The City National Bank of Sulphur Springs | 2454 South Fm 2869 Hawkins, TX 75765 | Full Service B&M | $26,617 |
| The City National Bank of Sulphur Springs | 300 West Frank Street Grand Saline, TX 75140 | Full Service B&M | $23,805 |
| The City National Bank of Sulphur Springs | 500 North Fourth Street Wills Point, TX 75169 | Full Service B&M | $74,424 |
| The City National Bank of Sulphur Springs | 501 E. Goode Street Quitman, TX 75783 | Full Service B&M | $29,538 |
| The City National Bank of Sulphur Springs | 700 East Lennon Drive Emory, TX 75440 | Full Service B&M | $8,578 |
| The City National Bank of Sulphur Springs | 875 W. Dallas St. Canton, TX 75103 | Full Service B&M | $41,487 |
| The City National Bank of Sulphur Springs | 895 E. Broadway Gladewater, TX 75647 | Full Service B&M | $2,453 |
For 2018, The City National Bank Of Sulphur Springs had 13 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $32,748 |
| Net interest income | $29,484 |
| Total noninterest income | $7,157 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $2,559 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $4,598 |
| Pre-tax net operating income | $12,469 |
| Securities gains (or losses, -) | $-123 |
| Income before extraordinary items | $12,332 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $12,332 |
| Minority interest net income | $0 |
| Net income | $12,332 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $12,455 |
The City National Bank Of Sulphur Springs's gross interest income from loans was $32,748,000.
The City National Bank Of Sulphur Springs's net interest income from loans was $29,484,000.
The City National Bank Of Sulphur Springs's fee based income from loans was $2,559,000.
The City National Bank Of Sulphur Springs's net income from loans was $12,332,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $3,264 |
| Provision for credit losses | $1,218 |
| Total noninterest expense | $22,954 |
| Salaries and employee benefits | $14,068 |
| Premises and equipment expense | $3,544 |
| Additional noninterest expense | $5,342 |
| Applicable income taxes | $14 |
| Net charge-offs | $522 |
| Cash dividends | $5,024 |
The City National Bank Of Sulphur Springs's interest expense for loans was $3,264,000.
The City National Bank Of Sulphur Springs's payroll and benefits expense were $14,068,000.
The City National Bank Of Sulphur Springs's property, plant and equipment expenses $3,544,000.
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 | $634,736 |
| Deposits held in domestic offices | $634,736 |
| Deposits by Individuals, partnerships, and corporations | $582,143 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $52,593 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $56,325 |
| Demand deposits | $34,625 |
| Nontransaction accounts | $578,411 |
| Money market deposit accounts (MMDAs) | $336,206 |
| Other savings deposits (excluding MMDAs) | $70,571 |
| Total time deposits | $171,636 |
| Total time and savings deposits | $600,111 |
| Noninterest-bearing deposits | $34,625 |
| Interest-bearing deposits | $600,111 |
| Retail deposits | $602,756 |
| IRAs and Keogh plan accounts | $26,767 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $722,873 |
| Cash & Balances due from depository institutions | $19,759 |
| Interest-bearing balances | $1,895 |
| Total securities | $128,423 |
| Federal funds sold & reverse repurchase | $225 |
| Net loans and leases | $524,554 |
| Loan and leases loss allowance | $5,807 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $15,778 |
| Other real estate owned | $132 |
| Goodwill and other intangibles | $12,622 |
| All other assets | $21,380 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $722,873 |
| Total Liabilities | $639,996 |
| Total deposits | $634,736 |
| Interest-bearing deposits | $600,111 |
| Deposits held in domestic offices | $634,736 |
| % insured (estimated) | $82 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $5,260 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $524,554 |
| Loan and leases loss allowance | $5,807 |
| Total loans and leases (domestic) | $530,361 |
| All real estate loans | $399,323 |
| Real estate loans in domestic offices | $399,323 |
| Construction and development loans | $58,286 |
| Residential 1-4 family construction | $16,871 |
| Other construction, all land development and other land | $41,415 |
| Loans secured by nonfarm nonresidential properties | $75,405 |
| Nonfarm nonresidential secured by owner-occupied properties | $12,169 |
| Commercial real estate & other non-farm, non-residential | $63,236 |
| Multifamily residential real estate | $11,748 |
| 1-4 family residential loans | $206,008 |
| Farmland loans | $47,876 |
| Loans held in foreign offices | $0 |
| Farm loans | $35,679 |
| Commercial and industrial loans | $49,677 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $44,824 |
| Credit card loans | $0 |
| Related Plans | $4 |
| Consumer Auto Loans | $16,679 |
| Other loans to individuals | $28,141 |
| All other loans & leases | $857 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $130 |
| 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 | $1,161 |
| Non 1-4 family restructured loans & leases | $905 |
| Total loans and leases (foreign) | $0 |
The City National Bank of Sulphur Springs had $524,554,000 of loans outstanding in 2018. $399,323,000 of loans were in real estate loans. $58,286,000 of loans were in development loans. $11,748,000 of loans were in multifamily mortgage loans. $206,008,000 of loans were in 1-4 family mortgage loans. $35,679,000 of loans were in farm loans. $0 of loans were in credit card loans. $16,679,000 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 | 371 | $47,780 | $128,787 |
| Nonfarm, nonresidential loans - <$100k | 148 | $5,834 | $39,419 |
| Nonfarm, nonresidential loans - $100-250k | 150 | $18,339 | $122,260 |
| Nonfarm, nonresidential loans - $250k-1MM | 73 | $23,607 | $323,384 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,206 | $40,617 | $33,679 |
| Commercial & Industrial, US addressed loans - <$100k | 1,066 | $18,795 | $17,631 |
| Commercial & Industrial, US addressed loans - $100-250k | 98 | $10,682 | $109,000 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 42 | $11,140 | $265,238 |
| Farmland loans - <$1MM | 324 | $39,928 | $123,235 |
| Farmland loans - <$100k | 175 | $7,240 | $41,371 |
| Farmland loans - $100-250k | 105 | $13,491 | $128,486 |
| Farmland loans - $250k-1MM | 44 | $19,197 | $436,295 |
| Agriculture operations loans - <$1MM | 1,233 | $31,761 | $25,759 |
| Agriculture operations loans - <$100k | 1,135 | $19,579 | $17,250 |
| Agriculture operations loans - $100-250k | 75 | $6,916 | $92,213 |
| Agriculture operations loans - $250k-1MM | 23 | $5,266 | $228,957 |