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, Jefferson City, Rolla, Lebanon, and Springfield 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

    195

    Origination Dollar Volume (All Markets)

    $17,985,000

    Employee count

    138

    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
    Fort Leonard Wood, MO (FHA|USDA|VA) 71 $6,215,000 $87,535 $0 0.00%
    Outside of Metro Areas 80 $5,450,000 $68,125 $0 0.00%
    JEFFERSON CITY, MO (FHA|USDA|VA) 12 $3,560,000 $296,667 $0 0.00%
    Rolla, MO (FHA|USDA|VA) 19 $1,685,000 $88,684 $0 0.00%
    Lebanon, MO (FHA|USDA|VA) 7 $615,000 $87,857 $0 0.00%
    SPRINGFIELD, MO (FHA|USDA|VA) 3 $225,000 $75,000 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $170,000 $85,000 $0 0.00%
    Branson, MO (FHA|USDA|VA) 1 $65,000 $65,000 $0 0.00%
    The Maries County Bank's top markets include Fort Leonard Wood, Jefferson City, Rolla, Lebanon, and Springfield among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 195 $17,985,000 $92,231 $0 0.00%

    For 2019, The Maries County Bank's most frequently originated type of loan was Conventional, with 195 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 100 $11,660,000 $116,600 $0 0.00%
    Refi 79 $5,755,000 $72,848 $0 0.00%
    Home Improvement 11 $495,000 $45,000 $0 0.00%
    Other 5 $75,000 $15,000 $0 0.00%

    For 2019, The Maries County Bank's most frequently cited loan purpose was Home Purchase, with 100 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 195 $17,985,000 $92,231 $0 0.00%

    For 2019, The Maries County Bank's most frequently cited loan duration was Other, with 195 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 146 $7,080,000 $48,493 $0 0.00%
    $100k-200k 41 $5,445,000 $132,805 $0 0.00%
    $200k-400k 4 $980,000 $245,000 $0 0.00%
    $400k-600k 2 $850,000 $425,000 $0 0.00%
    $1MM+ 1 $2,705,000 $2,705,000 $0 0.00%
    $600k-1MM 1 $925,000 $925,000 $0 0.00%

    2019 saw The Maries County Bank place emphasis on $100,000 or less loans with 146 originations, totaling $7,080,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 80 $3,730,000 $46,625 $0 0.00%
    $50k-75k 47 $3,465,000 $73,723 $0 0.00%
    $75k-100k 31 $2,925,000 $94,355 $0 0.00%
    $100k-150k 15 $1,565,000 $104,333 $0 0.00%
    $150k-250k 4 $600,000 $150,000 $0 0.00%

    The Maries County Bank lent most frequently to those with incomes in the $50k or less range, with 80 originations. The second most popular income band? $50k-75k, with 47 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 195 $17,985,000 $92,231 $0 0.00%

    The Maries County Bank lent most frequently to those with DTI ratios of Exempt%, with 195 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 178 $12,370,000 $69,494 $0 0.00%
    Not applicable 16 $5,540,000 $346,250 $0 0.00%
    American Indian 1 $75,000 $75,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.43%

    The Maries County Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.26%

    The Maries County Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 195 $17,985,000 $92,231

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 7 $4,955,000 $707,857
    Single Family (1-4 Units):Manufactured 49 $2,335,000 $47,653
    Single Family (1-4 Units):Site-Built 139 $10,695,000 $76,942

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Maries County Bank Highway 63 Vichy, MO 65580 Limited, Drive-thru $0
    The Maries County Bank 1001 Hwy 28 Belle, MO 65013 Full Service B&M $44,397
    The Maries County Bank 101 West Second Dixon, MO 65459 Full Service B&M $46,458
    The Maries County Bank 102 North Pine Richland, MO 65556 Full Service B&M $39,547
    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 $113,438
    The Maries County Bank 2324a N Highway 17 Iberia, MO 65486 Full Service B&M $11,689
    The Maries County Bank 2nd And Pine Street Argyle, MO 65001 Full Service B&M $16,563
    The Maries County Bank 804 West Hwy 28 Owensville, MO 65066 Full Service B&M $39,163
    The Maries County Bank 825 North Jefferson Saint James, MO 65559 Full Service B&M $24,107
    The Maries County Bank 926 Old Route 66 Saint Robert, MO 65584 Full Service B&M $44,459

    For 2019, The Maries County Bank had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $21,061
    Net interest income $17,362
    Total noninterest income $3,062
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,049
    Trading account gains and fees $0
    Additional Noninterest Income $2,013
    Pre-tax net operating income $6,282
    Securities gains (or losses, -) $2
    Income before extraordinary items $5,067
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,067
    Minority interest net income $0
    Net income $5,067
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $5,065

    The Maries County Bank's gross interest income from loans was $21,061,000.
    The Maries County Bank's net interest income from loans was $17,362,000.
    The Maries County Bank's fee based income from loans was $1,049,000.
    The Maries County Bank's net income from loans was $5,067,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,699
    Provision for credit losses $408
    Total noninterest expense $13,734
    Salaries and employee benefits $8,811
    Premises and equipment expense $1,787
    Additional noninterest expense $3,136
    Applicable income taxes $1,217
    Net charge-offs $324
    Cash dividends $1,746

    The Maries County Bank's interest expense for loans was $3,699,000.
    The Maries County Bank's payroll and benefits expense were $8,811,000.
    The Maries County Bank's property, plant and equipment expenses $1,787,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    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 $381,441
    Deposits held in domestic offices $381,441
    Deposits by Individuals, partnerships, and corporations $321,213
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $60,228
    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 $125,180
    Demand deposits $55,708
    Nontransaction accounts $256,261
    Money market deposit accounts (MMDAs) $96,626
    Other savings deposits (excluding MMDAs) $49,639
    Total time deposits $109,996
    Total time and savings deposits $325,733
    Noninterest-bearing deposits $46,783
    Interest-bearing deposits $334,658
    Retail deposits $361,336
    IRAs and Keogh plan accounts $33,204
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $469,274
    Cash & Balances due from depository institutions $11,986
    Interest-bearing balances $4,948
    Total securities $147,480
    Federal funds sold & reverse repurchase $1,483
    Net loans and leases $279,986
    Loan and leases loss allowance $4,577
    Trading account assets $0
    Bank premises and fixed assets $15,003
    Other real estate owned $464
    Goodwill and other intangibles $1,355
    All other assets $11,517

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $469,274
    Total Liabilities $393,012
    Total deposits $381,441
    Interest-bearing deposits $334,658
    Deposits held in domestic offices $381,441
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $9,000
    Subordinated debt $0
    All other liabilities $2,571

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $279,986
    Loan and leases loss allowance $4,577
    Total loans and leases (domestic) $284,563
    All real estate loans $212,034
    Real estate loans in domestic offices $212,034
    Construction and development loans $7,666
    Residential 1-4 family construction $7,666
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $54,525
    Nonfarm nonresidential secured by owner-occupied properties $26,884
    Commercial real estate & other non-farm, non-residential $27,641
    Multifamily residential real estate $5,102
    1-4 family residential loans $71,767
    Farmland loans $72,974
    Loans held in foreign offices $0
    Farm loans $16,850
    Commercial and industrial loans $15,903
    To non-U.S. addressees $0
    Loans to individuals $36,840
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $32,917
    Other loans to individuals $3,923
    All other loans & leases $2,936
    Loans to foreign governments and official institutions $0
    Other loans $122
    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 $931
    Non 1-4 family restructured loans & leases $735
    Total loans and leases (foreign) $0

    The Maries County Bank had $279,986,000 of loans outstanding in 2019. $212,034,000 of loans were in real estate loans. $7,666,000 of loans were in development loans. $5,102,000 of loans were in multifamily mortgage loans. $71,767,000 of loans were in 1-4 family mortgage loans. $16,850,000 of loans were in farm loans. $0 of loans were in credit card loans. $32,917,000 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 691 $54,525 $78,907
    Nonfarm, nonresidential loans - <$100k 545 $19,728 $36,198
    Nonfarm, nonresidential loans - $100-250k 107 $15,970 $149,252
    Nonfarm, nonresidential loans - $250k-1MM 39 $18,827 $482,744
    Commercial & Industrial, US addressed loans - <$1MM 639 $15,903 $24,887
    Commercial & Industrial, US addressed loans - <$100k 614 $8,489 $13,826
    Commercial & Industrial, US addressed loans - $100-250k 14 $2,087 $149,071
    Commercial & Industrial, US addressed loans - $250k-1MM 11 $5,327 $484,273
    Farmland loans - <$1MM 719 $72,974 $101,494
    Farmland loans - <$100k 468 $19,571 $41,818
    Farmland loans - $100-250k 190 $28,926 $152,242
    Farmland loans - $250k-1MM 61 $24,477 $401,262
    Agriculture operations loans - <$1MM 916 $16,850 $18,395
    Agriculture operations loans - <$100k 898 $13,456 $14,984
    Agriculture operations loans - $100-250k 15 $2,230 $148,667
    Agriculture operations loans - $250k-1MM 3 $1,164 $388,000