First National Bank Mortgage Rates, Fees & Info

Ft. Pierre, SD

LEI: 254900OD9TDRYGWJ0N48

Tax ID: 46-0177437

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

Jump to:

Mortgage Data

Bank Data

Review & Overview

First National Bank is a smaller bank specializing in Refi and Home Purchase loans. First National Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Rapid City, Minneapolis, Pierre, Denver, and Fort Collins among others. We have data for 72 markets. (Some data included below & more in-depth data is available with an active subscription.)

First National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.54% 12/3/24
30 Year Conventional Refi 6.25% 12/3/24
30 Year Cash-out Refi 6.53% 12/3/24
30 Year FHA Purchase 7.32% 12/3/24
30 Year FHA Refi 6.27% 12/3/24
30 Year VA Purchase 6.16% 12/3/24
30 Year VA Refi 6.27% 12/3/24
30 Year USDA Purchase 6.63% 12/3/24
15 Year Conventional Purchase 5.99% 12/3/24
15 Year Conventional Refi 5.91% 12/3/24
15 Year Cash-out Refi 5.91% 12/3/24
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.

First National Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

824

Origination Dollar Volume (All Markets)

$226,530,000

Employee count

168 Show all (17) awards

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
RAPID CITY, SD (FHA|USDA|VA) 237 $57,975,000 $244,620 $4,355 2.91%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 74 $23,880,000 $322,703 $2,864 2.74%
Pierre, SD (FHA|USDA|VA) 101 $22,785,000 $225,594 $4,772 2.84%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 31 $18,245,000 $588,548 $3,682 3.33%
Outside of Metro Areas 76 $14,000,000 $184,211 $3,892 3.01%
FORT COLLINS, CO (FHA|USDA|VA) 31 $13,155,000 $424,355 $2,684 3.90%
GREELEY, CO (FHA|USDA|VA) 29 $10,515,000 $362,586 $2,486 3.71%
Huron, SD (FHA|USDA|VA) 51 $9,555,000 $187,353 $3,591 2.99%
Spearfish, SD (FHA|USDA|VA) 24 $6,430,000 $267,917 $4,433 3.12%
SIOUX FALLS, SD (FHA|USDA|VA) 22 $4,850,000 $220,455 $3,025 2.79%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 19 $4,765,000 $250,789 $2,844 2.87%
Breckenridge, CO (FHA|USDA|VA) 2 $3,360,000 $1,680,000 $0 4.06%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 11 $3,065,000 $278,636 $3,585 2.61%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $2,210,000 $368,333 $5,594 3.00%
RENO, NV (FHA|USDA|VA) 5 $1,705,000 $341,000 $2,714 2.58%
Faribault-Northfield, MN (FHA|USDA|VA) 4 $1,500,000 $375,000 $2,590 2.84%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $1,485,000 $297,000 $5,424 2.92%
ABILENE, TX (FHA|USDA|VA) 5 $1,355,000 $271,000 $6,335 2.63%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 6 $1,220,000 $203,333 $3,953 2.85%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,185,000 $395,000 $7,309 3.96%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $1,135,000 $378,333 $3,180 2.63%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $1,070,000 $267,500 $2,978 3.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $935,000 $311,667 $2,077 2.46%
Key West, FL (FHA|USDA|VA) 2 $910,000 $455,000 $5,771 4.50%
Watertown, SD (FHA|USDA|VA) 4 $910,000 $227,500 $4,670 2.47%
CHEYENNE, WY (FHA|USDA|VA) 3 $875,000 $291,667 $0 5.08%
BOULDER, CO (FHA|USDA|VA) 3 $785,000 $261,667 $2,496 3.37%
Ruidoso, NM (FHA|USDA|VA) 2 $710,000 $355,000 $3,989 3.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $650,000 $325,000 $4,188 3.18%
MANKATO, MN (FHA|USDA|VA) 2 $630,000 $315,000 $4,668 3.13%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $620,000 $310,000 $2,185 2.81%
Mitchell, SD (FHA|USDA|VA) 3 $605,000 $201,667 $4,148 2.63%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $595,000 $595,000 $5,881 2.63%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $510,000 $255,000 $5,294 2.75%
Minot, ND (FHA|USDA|VA) 2 $510,000 $255,000 $2,879 2.62%
MANHATTAN, KS (FHA|USDA|VA) 1 $495,000 $495,000 $3,393 2.50%
Brookings, SD (FHA|USDA|VA) 1 $485,000 $485,000 $8,459 2.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $475,000 $475,000 $0 3.50%
GAINESVILLE, GA (FHA|USDA|VA) 3 $465,000 $155,000 $2,646 3.04%
KNOXVILLE, TN (FHA|USDA|VA) 1 $465,000 $465,000 $7,458 2.50%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $455,000 $455,000 $4,665 2.25%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $455,000 $455,000 $3,856 2.75%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $450,000 $225,000 $2,349 2.44%
Vermillion, SD (FHA|USDA|VA) 3 $445,000 $148,333 $3,368 2.75%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $440,000 $220,000 $2,058 3.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $425,000 $425,000 $2,542 2.50%
ROCHESTER, MN (FHA|USDA|VA) 2 $390,000 $195,000 $2,182 2.69%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $375,000 $375,000 $2,386 2.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $375,000 $375,000 $3,404 2.63%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $335,000 $335,000 $4,140 2.50%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $335,000 $335,000 $11,085 3.13%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $335,000 $335,000 $2,039 2.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $325,000 $325,000 $9,174 2.25%
Gillette, WY (FHA|USDA|VA) 1 $325,000 $325,000 $9,528 2.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $315,000 $315,000 $0 5.25%
Port Angeles, WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,137 2.88%
ANCHORAGE, AK (FHA|USDA|VA) 1 $305,000 $305,000 $2,848 2.50%
BILLINGS, MT (FHA|USDA|VA) 1 $285,000 $285,000 $2,677 2.50%
Del Rio, TX (FHA|USDA|VA) 1 $285,000 $285,000 $11,245 3.25%
Scottsbluff, NE (FHA|USDA|VA) 1 $275,000 $275,000 $2,590 3.25%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $3,231 2.63%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $265,000 $265,000 $2,095 2.13%
VICTORIA, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,562 2.38%
LINCOLN, NE (FHA|USDA|VA) 1 $225,000 $225,000 $2,051 2.38%
MORGANTOWN, WV (FHA|USDA|VA) 1 $205,000 $205,000 $3,610 2.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.50%
Silver City, NM (FHA|USDA|VA) 1 $165,000 $165,000 $3,114 2.63%
Owatonna, MN (FHA|USDA|VA) 1 $165,000 $165,000 $2,342 3.00%
Norfolk, NE (FHA|USDA|VA) 1 $155,000 $155,000 $2,052 3.37%
IOWA CITY, IA (FHA|USDA|VA) 1 $145,000 $145,000 $3,762 2.88%
Worthington, MN (FHA|USDA|VA) 1 $95,000 $95,000 $2,151 2.38%
Willmar, MN (FHA|USDA|VA) 1 $75,000 $75,000 $3,029 1.88%
First National Bank's top markets include Rapid City, Minneapolis, Pierre, Denver, and Fort Collins among others.

Their top states include:
  • South Dakota (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against First National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Dacotah Bank
    Similarity Rank: 165
    CREIGHTON FEDERAL CREDIT UNION
    Similarity Rank: 207
    MUTUAL FIRST
    Similarity Rank: 288
    LIBERTY FIRST
    Similarity Rank: 396
    The District Federal Credit Union
    Similarity Rank: 441
    CORNHUSKER BANK
    Similarity Rank: 495
    Unify Home Lending Inc.
    Similarity Rank: 560
    Peoples Bank Midwest
    Similarity Rank: 608
    DENVER COMMUNITY
    Similarity Rank: 732

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 674 $186,850,000 $277,226 $3,414 3.06%
    VA 108 $31,730,000 $293,796 $5,824 2.57%
    FHA 24 $5,000,000 $208,333 $7,393 2.93%
    USDA 18 $2,950,000 $163,889 $5,011 2.69%

    For 2020, First National Bank's most frequently originated type of loan was Conventional, with 674 originations. Their 2nd most popular type was VA, with 108 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 371 $98,385,000 $265,189 $3,250 2.80%
    Home Purchase 307 $90,725,000 $295,521 $5,077 3.25%
    Cash Out Refi 137 $35,615,000 $259,964 $3,711 2.83%
    Home Improvement 6 $1,160,000 $193,333 $3,439 3.83%
    Other 3 $645,000 $215,000 $3,251 3.87%

    For 2020, First National Bank's most frequently cited loan purpose was Refi, with 371 originations. The 2nd most popular reason was Home Purchase, with 307 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 537 $144,015,000 $268,184 $4,129 2.86%
    15 Year 151 $34,985,000 $231,689 $3,490 2.56%
    20 Year 47 $10,885,000 $231,596 $3,445 3.14%
    10 Year 35 $18,515,000 $529,000 $2,580 3.83%
    Other 21 $9,275,000 $441,667 $3,883 4.48%
    1 Year 16 $4,980,000 $311,250 $2,929 4.75%
    5 Year 14 $3,300,000 $235,714 $0 5.23%
    3 Year 3 $575,000 $191,667 $0 4.50%

    For 2020, First National Bank's most frequently cited loan duration was 30 Year, with 537 originations. The 2nd most popular length was 15 Year, with 151 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 500 $135,530,000 $271,060
    $2k-3k 82 $16,710,000 $203,780
    $1k-2k 60 $10,730,000 $178,833
    $3k-4k 58 $14,880,000 $256,552
    $5k+ 13 $5,675,000 $436,538
    $4k-5k 12 $4,290,000 $357,500

    First National Bank's average total fees were $4,129, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 500 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 292 $76,720,000 $262,740
    <2.5% 271 $72,355,000 $266,993
    3-4% 186 $53,390,000 $287,043
    4-5% 54 $18,480,000 $342,222
    5-6% 19 $5,535,000 $291,316
    7-8% 2 $50,000 $25,000

    During 2020, First National Bank's average interest rate for loans was 2.86%, while their most frequently originated rate bucket for loans was 2.5-3%, with 292 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 442 $124,600,000 $281,900 $4,257 2.91%
    $100k-200k 219 $34,015,000 $155,320 $3,451 2.99%
    $400k-600k 88 $41,840,000 $475,455 $4,049 2.84%
    $100,000 or less 61 $4,405,000 $72,213 $2,891 3.47%
    $1MM+ 9 $18,195,000 $2,021,667 $4,282 4.19%
    $600k-1MM 5 $3,475,000 $695,000 $5,771 4.07%

    2020 saw First National Bank place emphasis on $200k-400k loans with 442 originations, totaling $124,600,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 176 $49,550,000 $281,534 $4,101 2.86%
    $50k-75k 133 $25,615,000 $192,594 $4,134 3.00%
    $75k-100k 130 $30,850,000 $237,308 $4,229 2.82%
    $150k-250k 112 $36,570,000 $326,518 $3,726 2.88%
    $50k or less 83 $11,725,000 $141,265 $3,581 3.10%
    $250k+ 53 $20,715,000 $390,849 $4,278 2.79%

    First National Bank lent most frequently to those with incomes in the $100k-150k range, with 176 originations. The second most popular income band? $50k-75k, with 133 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 213 $53,105,000 $249,319 $3,744 2.84%
    30-36% 129 $32,105,000 $248,876 $3,917 2.84%
    <20% 79 $21,495,000 $272,089 $3,682 2.72%
    38% 30 $7,850,000 $261,667 $3,975 2.95%
    39% 27 $6,865,000 $254,259 $4,218 2.75%
    40% 26 $6,690,000 $257,308 $4,060 3.02%
    43% 24 $6,540,000 $272,500 $4,630 2.99%
    37% 22 $5,960,000 $270,909 $3,551 2.68%
    41% 20 $4,950,000 $247,500 $4,619 2.81%
    44% 19 $4,765,000 $250,789 $4,922 2.67%
    42% 18 $4,550,000 $252,778 $3,981 2.90%
    36% 18 $4,770,000 $265,000 $4,534 2.67%
    49% 18 $4,640,000 $257,778 $3,793 2.91%
    46% 14 $4,060,000 $290,000 $3,497 2.87%
    45% 14 $3,950,000 $282,143 $5,008 2.83%
    47% 12 $2,840,000 $236,667 $2,708 2.85%
    50-60% 9 $2,555,000 $283,889 $7,648 2.94%
    48% 8 $1,440,000 $180,000 $3,502 3.06%
    >60% 1 $595,000 $595,000 $5,881 2.63%

    First National Bank lent most frequently to those with DTI ratios of 20-30%, with 213 originations. The next most common DTI ratio? 30-36%, with 129 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 703 $177,985,000 $253,179 $3,896 2.89%
    Not applicable 54 $28,440,000 $526,667 $0 4.58%
    Not provided 24 $7,280,000 $303,333 $5,171 2.80%
    Asian 18 $5,890,000 $327,222 $3,145 2.63%
    Black 10 $3,620,000 $362,000 $3,974 2.64%
    American Indian 12 $2,290,000 $190,833 $4,742 2.90%
    Asian Indian 2 $860,000 $430,000 $3,684 2.94%
    Native Hawaiian or Islander 1 $165,000 $165,000 $5,292 2.50%

    Approval Rates

    Total approvals of all applications
    93.84%

    First National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.62%

    First National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    296.33 1 $25,000 $25,000
    391.33 1 $25,000 $25,000
    NA 822 $226,480,000 $275,523

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $495,000 $495,000
    Multifamily:Site-Built 14 $15,390,000 $1,099,286
    Single Family (1-4 Units):Manufactured 12 $1,150,000 $95,833
    Single Family (1-4 Units):Site-Built 797 $209,495,000 $262,854

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 31 $6,885,000 $222,097 $3,021 3.22%
    40-60% 121 $31,285,000 $258,554 $3,014 2.88%
    60-80% 349 $107,425,000 $307,808 $3,515 3.09%
    80-100% 296 $74,580,000 $251,959 $4,473 2.86%
    Over 100% 18 $5,250,000 $291,667 $9,328 2.72%
    Under 20% 7 $675,000 $96,429 $2,103 4.43%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 14.3%
    FIRST NATIONAL BANK OF OMAHA Other type of mortgage Trouble during payment process 1 14.3%
    FIRST NATIONAL BANK OF OMAHA FHA mortgage Struggling to pay mortgage 1 14.3%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 2 28.6%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Struggling to pay mortgage 2 28.6%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First National Bank 125 West Sioux Avenue Pierre, SD 57501 Full Service B&M $266,810
    First National Bank 1475 North Denver Avenue Loveland, CO 80538 Full Service B&M $79,748
    First National Bank 1801 59th Avenue Greeley, CO 80634 Full Service B&M $140,665
    First National Bank 18th And Dakota Avenue South Huron, SD 57350 Limited, Drive-thru $0
    First National Bank 197 Glendale Ave. Lead, SD 57754 Full Service B&M $39,966
    First National Bank 204 Main Street Mc Laughlin, SD 57642 Full Service B&M $20,039
    First National Bank 210 Main Avenue North Lake Preston, SD 57249 Full Service B&M $13,464
    First National Bank 217 Girard Newell, SD 57760 Full Service B&M $29,943
    First National Bank 2900 East Airport Road Pierre, SD 57501 Full Service B&M $0
    First National Bank 307 E Hustan Ave Fort Pierre, SD 57532 Full Service B&M $53,354
    First National Bank 333 Dakota Avenue South Huron, SD 57350 Full Service B&M $102,291
    First National Bank 410 Main Street Murdo, SD 57559 Full Service B&M $8,463
    First National Bank 4532 Mcmurray Avenue Fort Collins, CO 80525 Full Service B&M $64,205
    First National Bank 501 Main Street Midland, SD 57552 Full Service B&M $6,252
    First National Bank 632 Main Street Rapid City, SD 57701 Full Service B&M $64,151
    First National Bank 7777 East Arapahoe Road Englewood, CO 80112 Full Service B&M $198,066
    First National Bank 955 Main Street Sturgis, SD 57785 Full Service B&M $24,744

    For 2020, First National Bank had 17 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $106,865
    Net interest income $101,472
    Total noninterest income $34,496
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,296
    Trading account gains and fees $0
    Additional Noninterest Income $33,200
    Pre-tax net operating income $42,438
    Securities gains (or losses, -) $0
    Income before extraordinary items $31,905
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $31,905
    Minority interest net income $0
    Net income $31,905
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $31,905

    First National Bank's gross interest income from loans was $106,865,000.
    First National Bank's net interest income from loans was $101,472,000.
    First National Bank's fee based income from loans was $1,296,000.
    First National Bank's net income from loans was $31,905,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,393
    Provision for credit losses $38,741
    Total noninterest expense $54,789
    Salaries and employee benefits $17,143
    Premises and equipment expense $3,377
    Additional noninterest expense $34,269
    Applicable income taxes $10,533
    Net charge-offs $30,912
    Cash dividends $41,712

    First National Bank's interest expense for loans was $5,393,000.
    First National Bank's payroll and benefits expense were $17,143,000.
    First National Bank's property, plant and equipment expenses $3,377,000.

    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 12.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 1.5%
    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 $1,175,188
    Deposits held in domestic offices $1,175,188
    Deposits by Individuals, partnerships, and corporations $1,085,956
    Deposits by U.S. Government $754
    Deposits by States and political subdivisions in the U.S. $80,559
    Deposits by Commercial banks and other depository institutions in U.S. $7,919
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $567,241
    Demand deposits $355,365
    Nontransaction accounts $607,947
    Money market deposit accounts (MMDAs) $301,991
    Other savings deposits (excluding MMDAs) $117,207
    Total time deposits $188,749
    Total time and savings deposits $819,823
    Noninterest-bearing deposits $303,633
    Interest-bearing deposits $871,555
    Retail deposits $1,131,454
    IRAs and Keogh plan accounts $21,745
    Brokered deposits $4,084
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,478,932
    Cash & Balances due from depository institutions $157,658
    Interest-bearing balances $136,848
    Total securities $212,322
    Federal funds sold & reverse repurchase $4,000
    Net loans and leases $1,012,572
    Loan and leases loss allowance $63,548
    Trading account assets $0
    Bank premises and fixed assets $27,099
    Other real estate owned $6,195
    Goodwill and other intangibles $34,642
    All other assets $24,444

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,478,932
    Total Liabilities $1,208,813
    Total deposits $1,175,188
    Interest-bearing deposits $871,555
    Deposits held in domestic offices $1,175,188
    % insured (estimated) $51
    Federal funds purchased and repurchase agreements $7,305
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $26,320

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,012,572
    Loan and leases loss allowance $63,548
    Total loans and leases (domestic) $1,076,120
    All real estate loans $698,577
    Real estate loans in domestic offices $698,577
    Construction and development loans $76,905
    Residential 1-4 family construction $38,512
    Other construction, all land development and other land $38,393
    Loans secured by nonfarm nonresidential properties $410,952
    Nonfarm nonresidential secured by owner-occupied properties $112,713
    Commercial real estate & other non-farm, non-residential $298,239
    Multifamily residential real estate $51,510
    1-4 family residential loans $99,264
    Farmland loans $59,946
    Loans held in foreign offices $0
    Farm loans $47,687
    Commercial and industrial loans $149,651
    To non-U.S. addressees $0
    Loans to individuals $177,833
    Credit card loans $171,623
    Related Plans $177
    Consumer Auto Loans $2,229
    Other loans to individuals $3,804
    All other loans & leases $2,372
    Loans to foreign governments and official institutions $0
    Other loans $2,372
    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 $2,215
    Non 1-4 family restructured loans & leases $2,215
    Total loans and leases (foreign) $0

    First National Bank had $1,012,572,000 of loans outstanding in 2020. $698,577,000 of loans were in real estate loans. $76,905,000 of loans were in development loans. $51,510,000 of loans were in multifamily mortgage loans. $99,264,000 of loans were in 1-4 family mortgage loans. $47,687,000 of loans were in farm loans. $171,623,000 of loans were in credit card loans. $2,229,000 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 515 $144,012 $279,635
    Nonfarm, nonresidential loans - <$100k 70 $3,244 $46,343
    Nonfarm, nonresidential loans - $100-250k 176 $27,457 $156,006
    Nonfarm, nonresidential loans - $250k-1MM 269 $113,311 $421,230
    Commercial & Industrial, US addressed loans - <$1MM 912 $68,258 $74,844
    Commercial & Industrial, US addressed loans - <$100k 648 $17,899 $27,622
    Commercial & Industrial, US addressed loans - $100-250k 158 $17,205 $108,892
    Commercial & Industrial, US addressed loans - $250k-1MM 106 $33,154 $312,774
    Farmland loans - <$1MM 177 $28,857 $163,034
    Farmland loans - <$100k 47 $2,201 $46,830
    Farmland loans - $100-250k 77 $10,004 $129,922
    Farmland loans - $250k-1MM 53 $16,652 $314,189
    Agriculture operations loans - <$1MM 615 $34,882 $56,719
    Agriculture operations loans - <$100k 429 $11,302 $26,345
    Agriculture operations loans - $100-250k 133 $12,369 $93,000
    Agriculture operations loans - $250k-1MM 53 $11,211 $211,528