First National Bank Mortgage Rates, Fees & Info

Ft. Pierre, SD

LEI: 254900OD9TDRYGWJ0N48

Tax ID: 46-0177437

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Mortgage Data

Bank Data

Review & Overview

First National Bank is a smaller bank specializing in Home Purchase and Refi 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: Denver, Rapid City, Pierre, Minneapolis, and Greeley among others. We have data for 73 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.

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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

597

Origination Dollar Volume (All Markets)

$202,045,000

Employee count

175 Show all (11) 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
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 27 $33,555,000 $1,242,778 $4,154 3.51%
RAPID CITY, SD (FHA|USDA|VA) 87 $21,875,000 $251,437 $4,210 2.87%
Pierre, SD (FHA|USDA|VA) 89 $20,185,000 $226,798 $3,949 3.04%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 47 $16,165,000 $343,936 $2,909 2.68%
GREELEY, CO (FHA|USDA|VA) 42 $15,760,000 $375,238 $2,251 3.82%
FORT COLLINS, CO (FHA|USDA|VA) 34 $14,420,000 $424,118 $2,700 3.84%
Outside of Metro Areas 60 $9,660,000 $161,000 $3,282 2.91%
Huron, SD (FHA|USDA|VA) 51 $9,395,000 $184,216 $4,314 2.79%
BOISE CITY, ID (FHA|USDA|VA) 1 $9,155,000 $9,155,000 $0 3.75%
Spearfish, SD (FHA|USDA|VA) 30 $8,760,000 $292,000 $4,870 3.43%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $5,630,000 $1,407,500 $8,567 3.16%
RENO, NV (FHA|USDA|VA) 9 $3,745,000 $416,111 $5,878 2.55%
SIOUX FALLS, SD (FHA|USDA|VA) 16 $3,740,000 $233,750 $3,693 2.82%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $2,045,000 $227,222 $2,419 2.56%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $1,475,000 $491,667 $4,908 3.33%
Watertown, SD (FHA|USDA|VA) 4 $1,340,000 $335,000 $3,813 2.53%
Mitchell, SD (FHA|USDA|VA) 3 $1,135,000 $378,333 $3,535 2.88%
ENID, OK (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,337 2.45%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $1,100,000 $550,000 $4,192 2.56%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $985,000 $328,333 $3,550 2.33%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $935,000 $311,667 $3,780 2.91%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $880,000 $440,000 $4,949 2.81%
LINCOLN, NE (FHA|USDA|VA) 2 $860,000 $430,000 $2,623 2.56%
BOULDER, CO (FHA|USDA|VA) 2 $850,000 $425,000 $0 3.63%
Faribault-Northfield, MN (FHA|USDA|VA) 3 $825,000 $275,000 $2,664 2.54%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $760,000 $380,000 $5,122 2.44%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $720,000 $360,000 $4,358 2.38%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 3 $595,000 $198,333 $2,671 2.71%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $585,000 $585,000 $0 3.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $555,000 $555,000 $0 4.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $550,000 $275,000 $2,595 3.06%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $545,000 $545,000 $5,122 2.87%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $535,000 $535,000 $3,299 2.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $515,000 $515,000 $3,505 2.99%
BEND, OR (FHA|USDA|VA) 1 $505,000 $505,000 $4,886 2.88%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $505,000 $505,000 $4,301 2.87%
Breckenridge, CO (FHA|USDA|VA) 1 $505,000 $505,000 $0 3.75%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $495,000 $165,000 $3,865 3.00%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $495,000 $495,000 $3,903 2.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $480,000 $240,000 $3,584 2.44%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $465,000 $465,000 $3,341 2.38%
Glenwood Springs, CO (FHA|USDA|VA) 1 $445,000 $445,000 $8,547 3.00%
Fergus Falls, MN (FHA|USDA|VA) 1 $425,000 $425,000 $3,384 2.88%
Clovis, NM (FHA|USDA|VA) 1 $385,000 $385,000 $12,809 2.38%
Minot, ND (FHA|USDA|VA) 1 $365,000 $365,000 $3,386 3.38%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $365,000 $365,000 $0 3.13%
ABILENE, TX (FHA|USDA|VA) 1 $325,000 $325,000 $4,159 2.25%
CARSON CITY, NV (FHA|USDA|VA) 1 $315,000 $315,000 $5,025 2.38%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $310,000 $155,000 $0 4.13%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $295,000 $295,000 $5,055 2.75%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $285,000 $285,000 $2,979 2.38%
Willmar, MN (FHA|USDA|VA) 1 $275,000 $275,000 $2,769 2.88%
CHEYENNE, WY (FHA|USDA|VA) 2 $270,000 $135,000 $0 4.25%
Brainerd, MN (FHA|USDA|VA) 1 $265,000 $265,000 $3,729 2.50%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $245,000 $245,000 $0 2.38%
MADISON, WI (FHA|USDA|VA) 1 $245,000 $245,000 $1,858 2.38%
Warrensburg, MO (FHA|USDA|VA) 1 $235,000 $235,000 $10,071 1.99%
KANKAKEE, IL (FHA|USDA|VA) 1 $215,000 $215,000 $11,093 2.13%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $210,000 $105,000 $2,210 3.06%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.13%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $205,000 $205,000 $4,358 2.25%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.00%
COLUMBIA, MO (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $175,000 $175,000 $4,677 2.63%
Aberdeen, SD (FHA|USDA|VA) 1 $155,000 $155,000 $2,908 1.99%
LAS CRUCES, NM (FHA|USDA|VA) 1 $135,000 $135,000 $2,951 2.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $2,854 2.87%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $135,000 $135,000 $0 2.88%
Worthington, MN (FHA|USDA|VA) 1 $115,000 $115,000 $2,538 2.25%
Hutchinson, MN (FHA|USDA|VA) 1 $115,000 $115,000 $2,662 2.00%
North Platte, NE (FHA|USDA|VA) 1 $105,000 $105,000 $2,378 2.75%
Stevens Point, WI (FHA|USDA|VA) 1 $75,000 $75,000 $1,801 2.50%
First National Bank's top markets include Denver, Rapid City, Pierre, Minneapolis, and Greeley among others.

Their top states include:
  • South Dakota (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 513 $181,405,000 $353,616 $3,341 3.13%
    VA 42 $12,980,000 $309,048 $6,507 2.31%
    FHA 27 $4,905,000 $181,667 $6,316 2.84%
    USDA 15 $2,755,000 $183,667 $4,733 2.55%

    For 2021, First National Bank's most frequently originated type of loan was Conventional, with 513 originations. Their 2nd most popular type was VA, with 42 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 319 $126,325,000 $396,003 $4,338 3.26%
    Refi 171 $49,295,000 $288,275 $3,006 2.78%
    Cash Out Refi 102 $25,530,000 $250,294 $3,988 2.78%
    Home Improvement 5 $895,000 $179,000 $2,153 3.55%

    For 2021, First National Bank's most frequently cited loan purpose was Home Purchase, with 319 originations. The 2nd most popular reason was Refi, with 171 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 357 $96,255,000 $269,622 $4,077 2.84%
    15 Year 88 $18,720,000 $212,727 $3,152 2.46%
    10 Year 45 $34,845,000 $774,333 $2,539 3.92%
    Other 36 $29,630,000 $823,056 $2,628 3.96%
    20 Year 32 $6,990,000 $218,438 $2,920 3.07%
    1 Year 25 $8,485,000 $339,400 $8,902 4.41%
    5 Year 12 $5,320,000 $443,333 $0 4.13%
    30+ year 1 $295,000 $295,000 $0 4.25%
    3 Year 1 $1,505,000 $1,505,000 $0 3.98%

    For 2021, First National Bank's most frequently cited loan duration was 30 Year, with 357 originations. The 2nd most popular length was 15 Year, with 88 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 323 $83,095,000 $257,260
    $1k-2k 39 $8,955,000 $229,615
    $2k-3k 28 $5,550,000 $198,214
    $3k-4k 18 $5,040,000 $280,000
    $4k-5k 12 $4,530,000 $377,500
    $5k+ 11 $4,945,000 $449,545

    First National Bank's average total fees were $4,077, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 323 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 190 $51,250,000 $269,737
    <2.5% 189 $46,745,000 $247,328
    3-4% 144 $83,580,000 $580,417
    4-5% 71 $19,835,000 $279,366
    5-6% 3 $635,000 $211,667

    During 2021, First National Bank's average interest rate for loans was 2.84%, while their most frequently originated rate bucket for loans was 2.5-3%, with 190 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 245 $69,515,000 $283,735 $4,175 2.99%
    $100k-200k 173 $26,415,000 $152,688 $3,266 2.98%
    $400k-600k 88 $43,110,000 $489,886 $4,644 3.04%
    $100,000 or less 58 $4,070,000 $70,172 $2,863 3.03%
    $600k-1MM 17 $12,235,000 $719,706 $5,751 3.68%
    $1MM+ 16 $46,700,000 $2,918,750 $0 3.78%

    2021 saw First National Bank place emphasis on $200k-400k loans with 245 originations, totaling $69,515,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 109 $32,375,000 $297,018 $3,979 2.86%
    $50k-75k 100 $21,230,000 $212,300 $4,236 2.78%
    $75k-100k 81 $19,875,000 $245,370 $3,850 2.81%
    $50k or less 77 $10,035,000 $130,325 $3,493 2.89%
    $150k-250k 71 $24,015,000 $338,239 $3,717 2.87%
    $250k+ 36 $14,240,000 $395,556 $3,427 3.22%

    First National Bank lent most frequently to those with incomes in the $100k-150k range, with 109 originations. The second most popular income band? $50k-75k, with 100 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 109 $24,255,000 $222,523 $3,357 2.69%
    30-36% 90 $22,170,000 $246,333 $3,504 2.68%
    <20% 36 $8,440,000 $234,444 $3,060 2.65%
    44% 26 $7,080,000 $272,308 $4,021 2.83%
    43% 19 $4,975,000 $261,842 $4,119 3.01%
    39% 19 $5,315,000 $279,737 $4,188 2.83%
    38% 17 $4,525,000 $266,176 $4,073 2.87%
    40% 17 $4,495,000 $264,412 $3,829 2.85%
    47% 16 $4,480,000 $280,000 $4,263 2.83%
    50-60% 14 $5,420,000 $387,143 $10,520 2.37%
    37% 14 $4,290,000 $306,429 $4,246 2.98%
    45% 13 $4,175,000 $321,154 $4,298 2.82%
    36% 12 $2,730,000 $227,500 $3,316 2.80%
    42% 12 $2,760,000 $230,000 $3,235 2.76%
    48% 12 $2,850,000 $237,500 $4,968 2.81%
    49% 10 $2,630,000 $263,000 $3,626 2.74%
    41% 7 $2,725,000 $389,286 $2,857 2.59%
    46% 4 $1,380,000 $345,000 $3,302 2.84%

    First National Bank lent most frequently to those with DTI ratios of 20-30%, with 109 originations. The next most common DTI ratio? 30-36%, with 90 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 432 $112,180,000 $259,676 $3,824 2.84%
    Not applicable 89 $70,515,000 $792,303 $0 4.10%
    Not provided 38 $9,990,000 $262,895 $3,884 2.85%
    Asian 13 $3,785,000 $291,154 $3,301 3.17%
    American Indian 15 $2,965,000 $197,667 $4,511 3.27%
    Black 8 $2,000,000 $250,000 $4,130 2.48%
    Native Hawaiian or Islander 2 $610,000 $305,000 $6,947 2.25%

    Approval Rates

    Total approvals of all applications
    92.84%

    First National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.10%

    First National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 597 $202,045,000 $338,434

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    597 $202,045,000 $338,434

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 33 $10,275,000 $311,364 $2,919 3.02%
    40-60% 93 $25,285,000 $271,882 $3,333 2.98%
    60-80% 283 $117,995,000 $416,943 $3,625 3.20%
    80-100% 178 $46,580,000 $261,685 $4,204 2.82%
    Over 100% 4 $1,270,000 $317,500 $12,878 2.34%
    Under 20% 5 $445,000 $89,000 $3,330 4.01%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 1 25.0%
    FIRST NATIONAL BANK OF OMAHA FHA mortgage Improper use of your report 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Other type of mortgage Struggling to pay mortgage 1 25.0%

    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 $283,473
    First National Bank 1475 North Denver Avenue Loveland, CO 80538 Full Service B&M $82,401
    First National Bank 1801 59th Avenue Greeley, CO 80634 Full Service B&M $132,740
    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 $48,471
    First National Bank 204 Main Street Mc Laughlin, SD 57642 Full Service B&M $23,817
    First National Bank 210 Main Avenue North Lake Preston, SD 57249 Full Service B&M $17,144
    First National Bank 217 Girard Newell, SD 57760 Full Service B&M $35,025
    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 $66,393
    First National Bank 333 Dakota Avenue South Huron, SD 57350 Full Service B&M $116,755
    First National Bank 410 Main Street Murdo, SD 57559 Full Service B&M $10,146
    First National Bank 4532 Mcmurray Avenue Fort Collins, CO 80525 Full Service B&M $84,744
    First National Bank 501 Main Street Midland, SD 57552 Full Service B&M $8,003
    First National Bank 632 Main Street Rapid City, SD 57701 Full Service B&M $77,430
    First National Bank 7777 East Arapahoe Road Englewood, CO 80112 Full Service B&M $217,523
    First National Bank 955 Main Street Sturgis, SD 57785 Full Service B&M $29,005

    For 2021, First National Bank had 17 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $112,024
    Net interest income $108,516
    Total noninterest income $39,799
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,332
    Trading account gains and fees $0
    Additional Noninterest Income $38,467
    Pre-tax net operating income $70,485
    Securities gains (or losses, -) $0
    Income before extraordinary items $52,658
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $52,658
    Minority interest net income $0
    Net income $52,658
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $52,658

    First National Bank's gross interest income from loans was $112,024,000.
    First National Bank's net interest income from loans was $108,516,000.
    First National Bank's fee based income from loans was $1,332,000.
    First National Bank's net income from loans was $52,658,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,508
    Provision for credit losses $20,542
    Total noninterest expense $57,288
    Salaries and employee benefits $18,332
    Premises and equipment expense $3,389
    Additional noninterest expense $35,567
    Applicable income taxes $17,827
    Net charge-offs $21,094
    Cash dividends $3,884

    First National Bank's interest expense for loans was $3,508,000.
    First National Bank's payroll and benefits expense were $18,332,000.
    First National Bank's property, plant and equipment expenses $3,389,000.

    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 1.0%
    Credit card loans 1.7%
    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 $1,289,024
    Deposits held in domestic offices $1,289,024
    Deposits by Individuals, partnerships, and corporations $1,182,769
    Deposits by U.S. Government $488
    Deposits by States and political subdivisions in the U.S. $100,725
    Deposits by Commercial banks and other depository institutions in U.S. $5,042
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $607,096
    Demand deposits $432,261
    Nontransaction accounts $681,928
    Money market deposit accounts (MMDAs) $381,957
    Other savings deposits (excluding MMDAs) $133,637
    Total time deposits $166,334
    Total time and savings deposits $856,763
    Noninterest-bearing deposits $367,977
    Interest-bearing deposits $921,047
    Retail deposits $1,248,573
    IRAs and Keogh plan accounts $20,875
    Brokered deposits $4,088
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,668,615
    Cash & Balances due from depository institutions $120,325
    Interest-bearing balances $108,645
    Total securities $345,560
    Federal funds sold & reverse repurchase $1,000
    Net loans and leases $1,107,935
    Loan and leases loss allowance $62,996
    Trading account assets $0
    Bank premises and fixed assets $26,297
    Other real estate owned $4,889
    Goodwill and other intangibles $34,361
    All other assets $28,248

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,668,615
    Total Liabilities $1,326,147
    Total deposits $1,289,024
    Interest-bearing deposits $921,047
    Deposits held in domestic offices $1,289,024
    % insured (estimated) $51
    Federal funds purchased and repurchase agreements $7,614
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $29,509

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,107,935
    Loan and leases loss allowance $62,996
    Total loans and leases (domestic) $1,170,931
    All real estate loans $788,097
    Real estate loans in domestic offices $788,097
    Construction and development loans $100,526
    Residential 1-4 family construction $58,760
    Other construction, all land development and other land $41,766
    Loans secured by nonfarm nonresidential properties $463,633
    Nonfarm nonresidential secured by owner-occupied properties $141,149
    Commercial real estate & other non-farm, non-residential $322,484
    Multifamily residential real estate $59,472
    1-4 family residential loans $97,782
    Farmland loans $66,684
    Loans held in foreign offices $0
    Farm loans $48,956
    Commercial and industrial loans $135,667
    To non-U.S. addressees $0
    Loans to individuals $196,814
    Credit card loans $191,628
    Related Plans $145
    Consumer Auto Loans $2,297
    Other loans to individuals $2,744
    All other loans & leases $1,397
    Loans to foreign governments and official institutions $0
    Other loans $1,397
    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 $1,572
    Non 1-4 family restructured loans & leases $1,572
    Total loans and leases (foreign) $0

    First National Bank had $1,107,935,000 of loans outstanding in 2021. $788,097,000 of loans were in real estate loans. $100,526,000 of loans were in development loans. $59,472,000 of loans were in multifamily mortgage loans. $97,782,000 of loans were in 1-4 family mortgage loans. $48,956,000 of loans were in farm loans. $191,628,000 of loans were in credit card loans. $2,297,000 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 496 $148,531 $299,458
    Nonfarm, nonresidential loans - <$100k 64 $2,894 $45,219
    Nonfarm, nonresidential loans - $100-250k 156 $23,935 $153,429
    Nonfarm, nonresidential loans - $250k-1MM 276 $121,702 $440,949
    Commercial & Industrial, US addressed loans - <$1MM 644 $51,978 $80,711
    Commercial & Industrial, US addressed loans - <$100k 419 $10,591 $25,277
    Commercial & Industrial, US addressed loans - $100-250k 139 $14,303 $102,899
    Commercial & Industrial, US addressed loans - $250k-1MM 86 $27,084 $314,930
    Farmland loans - <$1MM 174 $29,308 $168,437
    Farmland loans - <$100k 41 $1,917 $46,756
    Farmland loans - $100-250k 74 $9,432 $127,459
    Farmland loans - $250k-1MM 59 $17,959 $304,390
    Agriculture operations loans - <$1MM 564 $32,619 $57,835
    Agriculture operations loans - <$100k 384 $9,693 $25,242
    Agriculture operations loans - $100-250k 130 $12,621 $97,085
    Agriculture operations loans - $250k-1MM 50 $10,305 $206,100