The Maries County Bank Mortgage Rates, Fees & Info

Vienna, MO

LEI: 254900NAWIBILTM7ZJ36

Tax ID: 43-0393170

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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, Columbia, Rolla, Kansas City, and Jefferson City among others. We have data for 9 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

    198

    Origination Dollar Volume (All Markets)

    $17,730,000

    Employee count

    149

    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 93 $7,835,000 $84,247 $0 0.00%
    Fort Leonard Wood, MO (FHA|USDA|VA) 76 $4,800,000 $63,158 $0 0.00%
    COLUMBIA, MO (FHA|USDA|VA) 2 $1,350,000 $675,000 $0 0.00%
    Rolla, MO (FHA|USDA|VA) 13 $1,165,000 $89,615 $0 0.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $1,090,000 $545,000 $0 0.00%
    JEFFERSON CITY, MO (FHA|USDA|VA) 6 $670,000 $111,667 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $520,000 $130,000 $0 0.00%
    Lebanon, MO (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
    Poplar Bluff, MO (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    The Maries County Bank's top markets include Fort Leonard Wood, Columbia, Rolla, Kansas City, and Jefferson City among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 198 $17,730,000 $89,545 $0 0.00%

    For 2021, The Maries County Bank's most frequently originated type of loan was Conventional, with 198 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 110 $10,940,000 $99,455 $0 0.00%
    Refi 76 $6,240,000 $82,105 $0 0.00%
    Home Improvement 7 $395,000 $56,429 $0 0.00%
    Other 5 $155,000 $31,000 $0 0.00%

    For 2021, The Maries County Bank's most frequently cited loan purpose was Home Purchase, with 110 originations. The 2nd most popular reason was Refi, with 76 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 198 $17,730,000 $89,545 $0 0.00%

    For 2021, The Maries County Bank's most frequently cited loan duration was Other, with 198 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 141 $7,155,000 $50,745 $0 0.00%
    $100k-200k 48 $6,560,000 $136,667 $0 0.00%
    $200k-400k 7 $1,765,000 $252,143 $0 0.00%
    $1MM+ 1 $1,325,000 $1,325,000 $0 0.00%
    $600k-1MM 1 $925,000 $925,000 $0 0.00%

    2021 saw The Maries County Bank place emphasis on $100,000 or less loans with 141 originations, totaling $7,155,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 82 $4,850,000 $59,146 $0 0.00%
    $50k-75k 39 $3,415,000 $87,564 $0 0.00%
    $75k-100k 34 $2,960,000 $87,059 $0 0.00%
    $100k-150k 20 $2,190,000 $109,500 $0 0.00%
    $150k-250k 3 $345,000 $115,000 $0 0.00%
    $250k+ 1 $145,000 $145,000 $0 0.00%

    The Maries County Bank lent most frequently to those with incomes in the $50k or less range, with 82 originations. The second most popular income band? $50k-75k, with 39 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 198 $17,730,000 $89,545 $0 0.00%

    The Maries County Bank lent most frequently to those with DTI ratios of Exempt%, with 198 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 181 $13,835,000 $76,436 $0 0.00%
    Not applicable 15 $3,645,000 $243,000 $0 0.00%
    American Indian 1 $225,000 $225,000 $0 0.00%
    Asian 1 $25,000 $25,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.55%

    The Maries County Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.83%

    The Maries County Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 198 $17,730,000 $89,545

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    198 $17,730,000 $89,545

    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 $52,657
    The Maries County Bank 101 West Second Dixon, MO 65459 Full Service B&M $51,311
    The Maries County Bank 102 North Pine Richland, MO 65556 Full Service B&M $49,802
    The Maries County Bank 205 Highway 63 N Vienna, MO 65582 Full Service B&M $139,097
    The Maries County Bank 218 4th St Vienna, MO 65582 Limited, Administrative $0
    The Maries County Bank 2324a N Highway 17 Iberia, MO 65486 Full Service B&M $15,889
    The Maries County Bank 2nd And Pine Street Argyle, MO 65001 Full Service B&M $22,070
    The Maries County Bank 804 West Hwy 28 Owensville, MO 65066 Full Service B&M $52,113
    The Maries County Bank 825 North Jefferson Saint James, MO 65559 Full Service B&M $33,148
    The Maries County Bank 926 Old Route 66 Saint Robert, MO 65584 Full Service B&M $55,093
    The Maries County Bank Highway 63 Vichy, MO 65580 Limited, Drive-thru $0

    For 2021, The Maries County Bank had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $22,266
    Net interest income $20,054
    Total noninterest income $3,668
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $742
    Trading account gains and fees $0
    Additional Noninterest Income $2,926
    Pre-tax net operating income $7,799
    Securities gains (or losses, -) $0
    Income before extraordinary items $6,403
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,403
    Minority interest net income $0
    Net income $6,403
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,403

    The Maries County Bank's gross interest income from loans was $22,266,000.
    The Maries County Bank's net interest income from loans was $20,054,000.
    The Maries County Bank's fee based income from loans was $742,000.
    The Maries County Bank's net income from loans was $6,403,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,212
    Provision for credit losses $776
    Total noninterest expense $15,147
    Salaries and employee benefits $9,852
    Premises and equipment expense $1,805
    Additional noninterest expense $3,490
    Applicable income taxes $1,396
    Net charge-offs $501
    Cash dividends $1,122

    The Maries County Bank's interest expense for loans was $2,212,000.
    The Maries County Bank's payroll and benefits expense were $9,852,000.
    The Maries County Bank's property, plant and equipment expenses $1,805,000.

    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 $476,842
    Deposits held in domestic offices $476,842
    Deposits by Individuals, partnerships, and corporations $406,728
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $70,114
    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 $186,732
    Demand deposits $85,733
    Nontransaction accounts $290,110
    Money market deposit accounts (MMDAs) $117,716
    Other savings deposits (excluding MMDAs) $65,045
    Total time deposits $107,349
    Total time and savings deposits $391,109
    Noninterest-bearing deposits $76,823
    Interest-bearing deposits $400,019
    Retail deposits $450,545
    IRAs and Keogh plan accounts $35,488
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $571,556
    Cash & Balances due from depository institutions $11,070
    Interest-bearing balances $4,177
    Total securities $246,664
    Federal funds sold & reverse repurchase $3,901
    Net loans and leases $277,312
    Loan and leases loss allowance $4,761
    Trading account assets $0
    Bank premises and fixed assets $18,386
    Other real estate owned $67
    Goodwill and other intangibles $1,355
    All other assets $12,801

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $571,556
    Total Liabilities $489,107
    Total deposits $476,842
    Interest-bearing deposits $400,019
    Deposits held in domestic offices $476,842
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $10,000
    Subordinated debt $0
    All other liabilities $2,265

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $277,312
    Loan and leases loss allowance $4,761
    Total loans and leases (domestic) $282,073
    All real estate loans $210,240
    Real estate loans in domestic offices $210,240
    Construction and development loans $12,324
    Residential 1-4 family construction $12,324
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $48,720
    Nonfarm nonresidential secured by owner-occupied properties $25,148
    Commercial real estate & other non-farm, non-residential $23,572
    Multifamily residential real estate $2,936
    1-4 family residential loans $63,643
    Farmland loans $82,617
    Loans held in foreign offices $0
    Farm loans $16,681
    Commercial and industrial loans $14,690
    To non-U.S. addressees $0
    Loans to individuals $37,821
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $34,932
    Other loans to individuals $2,889
    All other loans & leases $2,641
    Loans to foreign governments and official institutions $0
    Other loans $217
    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 $753
    Non 1-4 family restructured loans & leases $364
    Total loans and leases (foreign) $0

    The Maries County Bank had $277,312,000 of loans outstanding in 2021. $210,240,000 of loans were in real estate loans. $12,324,000 of loans were in development loans. $2,936,000 of loans were in multifamily mortgage loans. $63,643,000 of loans were in 1-4 family mortgage loans. $16,681,000 of loans were in farm loans. $0 of loans were in credit card loans. $34,932,000 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 598 $48,720 $81,472
    Nonfarm, nonresidential loans - <$100k 466 $15,942 $34,210
    Nonfarm, nonresidential loans - $100-250k 94 $13,801 $146,819
    Nonfarm, nonresidential loans - $250k-1MM 38 $18,977 $499,395
    Commercial & Industrial, US addressed loans - <$1MM 634 $14,690 $23,170
    Commercial & Industrial, US addressed loans - <$100k 608 $9,014 $14,826
    Commercial & Industrial, US addressed loans - $100-250k 20 $3,090 $154,500
    Commercial & Industrial, US addressed loans - $250k-1MM 6 $2,586 $431,000
    Farmland loans - <$1MM 700 $82,617 $118,024
    Farmland loans - <$100k 419 $18,698 $44,625
    Farmland loans - $100-250k 199 $30,975 $155,653
    Farmland loans - $250k-1MM 82 $32,944 $401,756
    Agriculture operations loans - <$1MM 857 $16,681 $19,464
    Agriculture operations loans - <$100k 840 $13,089 $15,582
    Agriculture operations loans - $100-250k 13 $1,854 $142,615
    Agriculture operations loans - $250k-1MM 4 $1,738 $434,500