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, St. Louis, 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 a below 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

    152

    Origination Dollar Volume (All Markets)

    $12,760,000

    Employee count

    141

    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 71 $5,235,000 $73,732 $0 0.00%
    Fort Leonard Wood, MO (FHA|USDA|VA) 48 $3,580,000 $74,583 $0 0.00%
    Rolla, MO (FHA|USDA|VA) 14 $2,210,000 $157,857 $0 0.00%
    JEFFERSON CITY, MO (FHA|USDA|VA) 8 $550,000 $68,750 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $545,000 $77,857 $0 0.00%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $330,000 $165,000 $0 0.00%
    COLUMBIA, MO (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
    Lebanon, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
    The Maries County Bank's top markets include Fort Leonard Wood, Rolla, Jefferson City, St. Louis, 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 152 $12,760,000 $83,947 $0 0.00%

    For 2020, The Maries County Bank's most frequently originated type of loan was Conventional, with 152 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 72 $5,950,000 $82,639 $0 0.00%
    Refi 70 $6,300,000 $90,000 $0 0.00%
    Home Improvement 6 $370,000 $61,667 $0 0.00%
    Other 4 $140,000 $35,000 $0 0.00%

    For 2020, The Maries County Bank's most frequently cited loan purpose was Home Purchase, with 72 originations. The 2nd most popular reason was Refi, with 70 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 152 $12,760,000 $83,947 $0 0.00%

    For 2020, The Maries County Bank's most frequently cited loan duration was Other, with 152 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 111 $5,435,000 $48,964 $0 0.00%
    $100k-200k 33 $4,555,000 $138,030 $0 0.00%
    $200k-400k 5 $1,295,000 $259,000 $0 0.00%
    $400k-600k 3 $1,475,000 $491,667 $0 0.00%

    2020 saw The Maries County Bank place emphasis on $100,000 or less loans with 111 originations, totaling $5,435,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 58 $3,640,000 $62,759 $0 0.00%
    $50k-75k 37 $2,995,000 $80,946 $0 0.00%
    $75k-100k 24 $2,260,000 $94,167 $0 0.00%
    $100k-150k 13 $1,475,000 $113,462 $0 0.00%
    $150k-250k 4 $520,000 $130,000 $0 0.00%

    The Maries County Bank lent most frequently to those with incomes in the $50k or less range, with 58 originations. The second most popular income band? $50k-75k, with 37 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 152 $12,760,000 $83,947 $0 0.00%

    The Maries County Bank lent most frequently to those with DTI ratios of Exempt%, with 152 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 138 $10,950,000 $79,348 $0 0.00%
    Not applicable 10 $1,350,000 $135,000 $0 0.00%
    Not provided 2 $270,000 $135,000 $0 0.00%
    Asian 1 $155,000 $155,000 $0 0.00%
    Black 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    84.85%

    The Maries County Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    89.47%

    The Maries County Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 152 $12,760,000 $83,947

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $510,000 $255,000
    Multifamily:Site-Built 3 $1,045,000 $348,333
    Single Family (1-4 Units):Manufactured 45 $2,625,000 $58,333
    Single Family (1-4 Units):Site-Built 102 $8,580,000 $84,118

    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 $45,107
    The Maries County Bank 101 West Second Dixon, MO 65459 Full Service B&M $48,032
    The Maries County Bank 102 North Pine Richland, MO 65556 Full Service B&M $44,172
    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 $121,473
    The Maries County Bank 2324a N Highway 17 Iberia, MO 65486 Full Service B&M $13,224
    The Maries County Bank 2nd And Pine Street Argyle, MO 65001 Full Service B&M $18,014
    The Maries County Bank 804 West Hwy 28 Owensville, MO 65066 Full Service B&M $44,093
    The Maries County Bank 825 North Jefferson Saint James, MO 65559 Full Service B&M $27,213
    The Maries County Bank 926 Old Route 66 Saint Robert, MO 65584 Full Service B&M $50,422
    The Maries County Bank Highway 63 Vichy, MO 65580 Limited, Drive-thru $0

    For 2020, The Maries County Bank had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $20,981
    Net interest income $17,902
    Total noninterest income $3,018
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $755
    Trading account gains and fees $0
    Additional Noninterest Income $2,263
    Pre-tax net operating income $6,183
    Securities gains (or losses, -) $0
    Income before extraordinary items $5,117
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,117
    Minority interest net income $0
    Net income $5,117
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $5,117

    The Maries County Bank's gross interest income from loans was $20,981,000.
    The Maries County Bank's net interest income from loans was $17,902,000.
    The Maries County Bank's fee based income from loans was $755,000.
    The Maries County Bank's net income from loans was $5,117,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,079
    Provision for credit losses $596
    Total noninterest expense $14,141
    Salaries and employee benefits $9,173
    Premises and equipment expense $1,799
    Additional noninterest expense $3,169
    Applicable income taxes $1,066
    Net charge-offs $687
    Cash dividends $3,241

    The Maries County Bank's interest expense for loans was $3,079,000.
    The Maries County Bank's payroll and benefits expense were $9,173,000.
    The Maries County Bank's property, plant and equipment expenses $1,799,000.

    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 $432,022
    Deposits held in domestic offices $432,022
    Deposits by Individuals, partnerships, and corporations $370,385
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $61,637
    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 $156,256
    Demand deposits $72,377
    Nontransaction accounts $275,766
    Money market deposit accounts (MMDAs) $107,242
    Other savings deposits (excluding MMDAs) $56,464
    Total time deposits $112,060
    Total time and savings deposits $359,645
    Noninterest-bearing deposits $64,239
    Interest-bearing deposits $367,783
    Retail deposits $410,566
    IRAs and Keogh plan accounts $35,119
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $528,125
    Cash & Balances due from depository institutions $12,658
    Interest-bearing balances $5,766
    Total securities $209,856
    Federal funds sold & reverse repurchase $2,844
    Net loans and leases $273,384
    Loan and leases loss allowance $4,486
    Trading account assets $0
    Bank premises and fixed assets $15,898
    Other real estate owned $389
    Goodwill and other intangibles $1,355
    All other assets $11,741

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $528,125
    Total Liabilities $447,170
    Total deposits $432,022
    Interest-bearing deposits $367,783
    Deposits held in domestic offices $432,022
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $10,000
    Subordinated debt $0
    All other liabilities $5,148

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $273,384
    Loan and leases loss allowance $4,486
    Total loans and leases (domestic) $277,870
    All real estate loans $206,002
    Real estate loans in domestic offices $206,002
    Construction and development loans $8,349
    Residential 1-4 family construction $8,349
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $47,791
    Nonfarm nonresidential secured by owner-occupied properties $24,708
    Commercial real estate & other non-farm, non-residential $23,083
    Multifamily residential real estate $3,686
    1-4 family residential loans $67,162
    Farmland loans $79,014
    Loans held in foreign offices $0
    Farm loans $15,422
    Commercial and industrial loans $16,933
    To non-U.S. addressees $0
    Loans to individuals $36,973
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $33,598
    Other loans to individuals $3,375
    All other loans & leases $2,647
    Loans to foreign governments and official institutions $0
    Other loans $61
    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 $837
    Non 1-4 family restructured loans & leases $522
    Total loans and leases (foreign) $0

    The Maries County Bank had $273,384,000 of loans outstanding in 2020. $206,002,000 of loans were in real estate loans. $8,349,000 of loans were in development loans. $3,686,000 of loans were in multifamily mortgage loans. $67,162,000 of loans were in 1-4 family mortgage loans. $15,422,000 of loans were in farm loans. $0 of loans were in credit card loans. $33,598,000 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 618 $47,791 $77,332
    Nonfarm, nonresidential loans - <$100k 492 $17,207 $34,974
    Nonfarm, nonresidential loans - $100-250k 92 $13,789 $149,880
    Nonfarm, nonresidential loans - $250k-1MM 34 $16,795 $493,971
    Commercial & Industrial, US addressed loans - <$1MM 709 $16,933 $23,883
    Commercial & Industrial, US addressed loans - <$100k 683 $9,754 $14,281
    Commercial & Industrial, US addressed loans - $100-250k 14 $2,225 $158,929
    Commercial & Industrial, US addressed loans - $250k-1MM 12 $4,954 $412,833
    Farmland loans - <$1MM 719 $79,014 $109,894
    Farmland loans - <$100k 458 $19,373 $42,299
    Farmland loans - $100-250k 188 $29,061 $154,580
    Farmland loans - $250k-1MM 73 $30,580 $418,904
    Agriculture operations loans - <$1MM 859 $15,422 $17,953
    Agriculture operations loans - <$100k 845 $12,546 $14,847
    Agriculture operations loans - $100-250k 12 $1,890 $157,500
    Agriculture operations loans - $250k-1MM 2 $986 $493,000