The Maries County Bank Mortgage Rates, Fees & Info

Vienna, MO

LEI: 254900NAWIBILTM7ZJ36

Tax ID: 43-0393170

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    The Maries County Bank is a smaller bank specializing in Home Purchase and Refi loans. The Maries County Bank has a high proportion of conventional loans. Their top markets by origination volume include: Fort Leonard Wood, Rolla, Jefferson City, Lebanon, and St. Louis among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Maries County Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.

    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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    Originations

    225

    Origination Dollar Volume (All Markets)

    $19,185,000

    Employee count

    137

    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
    Outside of Metro Areas 86 $6,770,000 $78,721 $0 0.00%
    Fort Leonard Wood, MO (FHA|USDA|VA) 68 $4,620,000 $67,941 $0 0.00%
    Rolla, MO (FHA|USDA|VA) 33 $4,155,000 $125,909 $0 0.00%
    JEFFERSON CITY, MO (FHA|USDA|VA) 17 $1,285,000 $75,588 $0 0.00%
    Lebanon, MO (FHA|USDA|VA) 8 $860,000 $107,500 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $775,000 $110,714 $0 0.00%
    COLUMBIA, MO (FHA|USDA|VA) 4 $530,000 $132,500 $0 0.00%
    Branson, MO (FHA|USDA|VA) 2 $190,000 $95,000 $0 0.00%
    The Maries County Bank's top markets include Fort Leonard Wood, Rolla, Jefferson City, Lebanon, and St. Louis among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 225 $19,185,000 $85,267 $0 0.00%

    For 2018, The Maries County Bank's most frequently originated type of loan was Conventional, with 225 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 127 $11,565,000 $91,063 $0 0.00%
    Refi 79 $6,805,000 $86,139 $0 0.00%
    Home Improvement 13 $575,000 $44,231 $0 0.00%
    Other 6 $240,000 $40,000 $0 0.00%

    For 2018, The Maries County Bank's most frequently cited loan purpose was Home Purchase, with 127 originations. The 2nd most popular reason was Refi, with 79 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 225 $19,185,000 $85,267 $0 0.00%

    For 2018, The Maries County Bank's most frequently cited loan duration was Other, with 225 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 171 $8,365,000 $48,918 $0 0.00%
    $100k-200k 36 $4,980,000 $138,333 $0 0.00%
    $200k-400k 14 $3,990,000 $285,000 $0 0.00%
    $400k-600k 4 $1,850,000 $462,500 $0 0.00%

    2018 saw The Maries County Bank place emphasis on $100,000 or less loans with 171 originations, totaling $8,365,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 92 $4,730,000 $51,413 $0 0.00%
    $50k-75k 45 $4,395,000 $97,667 $0 0.00%
    $75k-100k 37 $2,835,000 $76,622 $0 0.00%
    $100k-150k 24 $2,940,000 $122,500 $0 0.00%
    $150k-250k 5 $1,655,000 $331,000 $0 0.00%

    The Maries County Bank lent most frequently to those with incomes in the $50k or less range, with 92 originations. The second most popular income band? $50k-75k, with 45 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 225 $19,185,000 $85,267 $0 0.00%

    The Maries County Bank lent most frequently to those with DTI ratios of Exempt%, with 225 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 212 $16,890,000 $79,670 $0 0.00%
    Not applicable 11 $1,725,000 $156,818 $0 0.00%
    Not provided 1 $515,000 $515,000 $0 0.00%
    Filipino 1 $55,000 $55,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.45%

    The Maries County Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.56%

    The Maries County Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 225 $19,185,000 $85,267

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $365,000 $365,000
    Multifamily:Site-Built 1 $55,000 $55,000
    Single Family (1-4 Units):Manufactured 48 $2,100,000 $43,750
    Single Family (1-4 Units):Site-Built 175 $16,665,000 $95,229

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Maries County Bank 1001 Hwy 28 Belle, MO 65013 Full Service B&M $47,941
    The Maries County Bank 101 West Second Dixon, MO 65459 Full Service B&M $44,329
    The Maries County Bank 102 North Pine Richland, MO 65556 Full Service B&M $40,924
    The Maries County Bank 205 N Hwy 63 Vienna, MO 65582 Full Service B&M $0
    The Maries County Bank 218 Fourth Street Vienna, MO 65582 Full Service B&M $118,584
    The Maries County Bank 2324a N Highway 17 Iberia, MO 65486 Full Service B&M $12,283
    The Maries County Bank 2nd And Pine Street Argyle, MO 65001 Full Service B&M $17,424
    The Maries County Bank 804 West Hwy 28 Owensville, MO 65066 Full Service B&M $39,686
    The Maries County Bank 825 North Jefferson Saint James, MO 65559 Full Service B&M $23,651
    The Maries County Bank 926 Old Route 66 Saint Robert, MO 65584 Full Service B&M $46,501
    The Maries County Bank Highway 63 Vichy, MO 65580 Limited, Drive-thru $0

    For 2018, The Maries County Bank had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $20,317
    Net interest income $17,133
    Total noninterest income $2,855
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,062
    Trading account gains and fees $0
    Additional Noninterest Income $1,793
    Pre-tax net operating income $6,349
    Securities gains (or losses, -) $-2
    Income before extraordinary items $5,163
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,163
    Minority interest net income $0
    Net income $5,163
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $5,164

    The Maries County Bank's gross interest income from loans was $20,317,000.
    The Maries County Bank's net interest income from loans was $17,133,000.
    The Maries County Bank's fee based income from loans was $1,062,000.
    The Maries County Bank's net income from loans was $5,163,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,184
    Provision for credit losses $371
    Total noninterest expense $13,268
    Salaries and employee benefits $8,451
    Premises and equipment expense $1,800
    Additional noninterest expense $3,017
    Applicable income taxes $1,184
    Net charge-offs $560
    Cash dividends $1,478

    The Maries County Bank's interest expense for loans was $3,184,000.
    The Maries County Bank's payroll and benefits expense were $8,451,000.
    The Maries County Bank's property, plant and equipment expenses $1,800,000.

    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 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    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 $372,090
    Deposits held in domestic offices $372,090
    Deposits by Individuals, partnerships, and corporations $315,343
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $56,747
    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 $118,533
    Demand deposits $56,410
    Nontransaction accounts $253,557
    Money market deposit accounts (MMDAs) $104,146
    Other savings deposits (excluding MMDAs) $52,074
    Total time deposits $97,337
    Total time and savings deposits $315,680
    Noninterest-bearing deposits $47,532
    Interest-bearing deposits $324,558
    Retail deposits $357,097
    IRAs and Keogh plan accounts $34,046
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $472,108
    Cash & Balances due from depository institutions $12,636
    Interest-bearing balances $5,292
    Total securities $159,204
    Federal funds sold & reverse repurchase $82
    Net loans and leases $270,822
    Loan and leases loss allowance $4,493
    Trading account assets $0
    Bank premises and fixed assets $14,671
    Other real estate owned $376
    Goodwill and other intangibles $1,355
    All other assets $12,962

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $472,108
    Total Liabilities $402,140
    Total deposits $372,090
    Interest-bearing deposits $324,558
    Deposits held in domestic offices $372,090
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $28,000
    Subordinated debt $0
    All other liabilities $2,050

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $270,822
    Loan and leases loss allowance $4,493
    Total loans and leases (domestic) $275,315
    All real estate loans $206,867
    Real estate loans in domestic offices $206,867
    Construction and development loans $7,280
    Residential 1-4 family construction $7,280
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $50,641
    Nonfarm nonresidential secured by owner-occupied properties $25,639
    Commercial real estate & other non-farm, non-residential $25,002
    Multifamily residential real estate $5,663
    1-4 family residential loans $74,642
    Farmland loans $68,641
    Loans held in foreign offices $0
    Farm loans $16,121
    Commercial and industrial loans $15,001
    To non-U.S. addressees $0
    Loans to individuals $34,384
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $30,198
    Other loans to individuals $4,186
    All other loans & leases $2,942
    Loans to foreign governments and official institutions $0
    Other loans $175
    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 $1,039
    Non 1-4 family restructured loans & leases $837
    Total loans and leases (foreign) $0

    The Maries County Bank had $270,822,000 of loans outstanding in 2018. $206,867,000 of loans were in real estate loans. $7,280,000 of loans were in development loans. $5,663,000 of loans were in multifamily mortgage loans. $74,642,000 of loans were in 1-4 family mortgage loans. $16,121,000 of loans were in farm loans. $0 of loans were in credit card loans. $30,198,000 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 706 $50,641 $71,729
    Nonfarm, nonresidential loans - <$100k 568 $19,539 $34,400
    Nonfarm, nonresidential loans - $100-250k 105 $15,530 $147,905
    Nonfarm, nonresidential loans - $250k-1MM 33 $15,572 $471,879
    Commercial & Industrial, US addressed loans - <$1MM 591 $15,001 $25,382
    Commercial & Industrial, US addressed loans - <$100k 570 $8,244 $14,463
    Commercial & Industrial, US addressed loans - $100-250k 10 $1,554 $155,400
    Commercial & Industrial, US addressed loans - $250k-1MM 11 $5,203 $473,000
    Farmland loans - <$1MM 688 $68,641 $99,769
    Farmland loans - <$100k 457 $18,646 $40,801
    Farmland loans - $100-250k 175 $26,977 $154,154
    Farmland loans - $250k-1MM 56 $23,018 $411,036
    Agriculture operations loans - <$1MM 911 $16,121 $17,696
    Agriculture operations loans - <$100k 897 $13,593 $15,154
    Agriculture operations loans - $100-250k 12 $1,729 $144,083
    Agriculture operations loans - $250k-1MM 2 $799 $399,500