1st National Bank Mortgage Rates, Fees & Info

Lebanon, OH

LEI: 254900Q9V3DYHBRTUH61

Tax ID: 31-0383745

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

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • 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

    1st National Bank is a smaller bank specializing in Refi and Home Purchase loans. 1st 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: Cincinnati, Dayton, Wilmington, Columbus, and Charlotte among others. We have data for 36 markets. (Some data included below & more in-depth data is available with an active subscription.)

    1st 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. 1st 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 6.66% 4/21/24
    30 Year Conventional Refi 6.55% 4/21/24
    30 Year Cash-out Refi 6.88% 4/21/24
    30 Year FHA Purchase 7.13% 4/21/24
    30 Year FHA Refi 6.27% 4/21/24
    30 Year VA Purchase 6.14% 4/21/24
    30 Year USDA Purchase 6.45% 4/21/24
    15 Year Conventional Purchase 6.03% 4/21/24
    15 Year Conventional Refi 5.91% 4/21/24
    15 Year Cash-out Refi 5.91% 4/21/24
    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.

    1st National Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from 1st 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

    1,165

    Origination Dollar Volume (All Markets)

    $270,455,000

    Employee count

    104 Show all (7) 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
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 935 $222,225,000 $237,674 $1,690 2.91%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 60 $10,880,000 $181,333 $1,749 2.84%
    Wilmington, OH (FHA|USDA|VA) 63 $10,815,000 $171,667 $2,075 3.27%
    COLUMBUS, OH (FHA|USDA|VA) 27 $6,755,000 $250,185 $2,095 2.87%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $4,030,000 $335,833 $1,299 2.83%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $2,380,000 $297,500 $3,098 2.83%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 8 $1,540,000 $192,500 $2,874 2.81%
    Outside of Metro Areas 9 $1,435,000 $159,444 $2,354 2.96%
    LOUISVILLE, KY (FHA|USDA|VA) 4 $1,330,000 $332,500 $2,630 2.72%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $810,000 $405,000 $3,229 2.63%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $780,000 $390,000 $3,991 2.88%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $655,000 $218,333 $1,175 3.08%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $560,000 $280,000 $1,465 3.06%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $545,000 $545,000 $4,506 2.88%
    TOLEDO, OH (FHA|USDA|VA) 2 $480,000 $240,000 $3,202 2.56%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $470,000 $235,000 $1,916 2.69%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $440,000 $220,000 $2,737 2.94%
    AKRON, OH (FHA|USDA|VA) 3 $405,000 $135,000 $1,395 3.58%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $385,000 $385,000 $3,553 2.88%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $360,000 $180,000 $924 3.00%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $345,000 $345,000 $1,399 2.88%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $340,000 $170,000 $2,174 2.69%
    Cullowhee, NC (FHA|USDA|VA) 1 $305,000 $305,000 $750 3.00%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $295,000 $295,000 $2,696 3.25%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $235,000 $235,000 $750 3.00%
    Dayton, TN (FHA|USDA|VA) 1 $225,000 $225,000 $1,430 2.88%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $225,000 $225,000 $2,126 2.88%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $215,000 $215,000 $2,803 3.50%
    Somerset, KY (FHA|USDA|VA) 1 $155,000 $155,000 $1,779 2.50%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $145,000 $145,000 $5,518 2.50%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $125,000 $125,000 $969 3.25%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $115,000 $115,000 $500 2.88%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.88%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $115,000 $115,000 $1,782 3.25%
    Wapakoneta, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,356 2.75%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $105,000 $105,000 $4,150 3.38%
    1st National Bank's top markets include Cincinnati, Dayton, Wilmington, Columbus, and Charlotte among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against 1st National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The North Side Bank & Trust Company
    Similarity Rank: 246
    CINFED Federal Credit Union
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    Greenville Federal
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    Day Air Credit Union, Inc
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    Sharefax Credit Union
    Similarity Rank: 505
    EDUCATION FIRST CREDIT UNION, INC.
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    TrueCore Federal Credit Union
    Similarity Rank: 716
    First Federal Savings and Loan Association
    Similarity Rank: 979
    Liberty National Bank
    Similarity Rank: 1104
    Eagle Savings Bank
    Similarity Rank: 1152

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,048 $253,370,000 $241,765 $1,576 2.90%
    HELOC 74 $7,400,000 $100,000 n/a 3.34%
    FHA 36 $7,890,000 $219,167 $6,486 2.82%
    VA 6 $1,640,000 $273,333 $5,624 2.81%
    USDA 1 $155,000 $155,000 $3,176 2.50%

    For 2021, 1st National Bank's most frequently originated type of loan was Conventional, with 1,048 originations. Their 2nd most popular type was HELOC, with 74 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 496 $117,370,000 $236,633 $1,052 2.77%
    Home Purchase 433 $109,195,000 $252,182 $2,360 3.01%
    Cash Out Refi 233 $42,925,000 $184,227 $2,278 3.08%
    Other 3 $965,000 $321,667 $0 3.33%

    For 2021, 1st National Bank's most frequently cited loan purpose was Refi, with 496 originations. The 2nd most popular reason was Home Purchase, with 433 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 719 $174,705,000 $242,983 $2,092 3.10%
    15 Year 311 $65,705,000 $211,270 $1,324 2.56%
    20 Year 50 $11,520,000 $230,400 $1,432 3.04%
    10 Year 43 $8,485,000 $197,326 $870 2.36%
    Other 37 $9,425,000 $254,730 $1,233 2.92%
    3 Year 4 $530,000 $132,500 $2,148 4.38%
    5 Year 1 $85,000 $85,000 $1,237 3.25%

    For 2021, 1st National Bank's most frequently cited loan duration was 30 Year, with 719 originations. The 2nd most popular length was 15 Year, with 311 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 932 $222,990,000 $239,260
    $1k-2k 89 $19,945,000 $224,101
    $2k-3k 46 $12,520,000 $272,174
    $3k-4k 10 $2,970,000 $297,000
    $5k+ 8 $3,190,000 $398,750
    $4k-5k 4 $880,000 $220,000

    1st National Bank's average total fees were $2,092, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 932 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 545 $140,225,000 $257,294
    3-4% 343 $69,355,000 $202,201
    <2.5% 253 $56,975,000 $225,198
    4-5% 23 $3,505,000 $152,391

    During 2021, 1st National Bank's average interest rate for loans was 3.10%, while their most frequently originated rate bucket for loans was 2.5-3%, with 545 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 491 $136,725,000 $278,462 $1,876 2.87%
    $100k-200k 424 $63,510,000 $149,788 $1,462 2.92%
    $100,000 or less 129 $8,975,000 $69,574 $1,639 3.18%
    $400k-600k 119 $57,515,000 $483,319 $2,362 2.88%
    $1MM+ 2 $3,730,000 $1,865,000 $5,354 3.44%

    2021 saw 1st National Bank place emphasis on $200k-400k loans with 491 originations, totaling $136,725,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 333 $76,385,000 $229,384 $1,636 2.92%
    $150k-250k 252 $72,200,000 $286,508 $1,865 2.94%
    $50k-75k 203 $34,195,000 $168,448 $1,876 2.95%
    $75k-100k 194 $42,650,000 $219,845 $1,651 2.89%
    $50k or less 92 $12,440,000 $135,217 $1,922 2.94%
    $250k+ 90 $32,430,000 $360,333 $1,791 2.91%

    1st National Bank lent most frequently to those with incomes in the $100k-150k range, with 333 originations. The second most popular income band? $150k-250k, with 252 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 352 $79,740,000 $226,534 $1,426 2.94%
    <20% 233 $49,735,000 $213,455 $1,352 2.91%
    30-36% 187 $45,195,000 $241,684 $2,010 2.92%
    37% 45 $10,105,000 $224,556 $1,973 3.10%
    36% 43 $10,385,000 $241,512 $1,838 2.84%
    39% 37 $10,395,000 $280,946 $2,286 2.93%
    38% 36 $8,420,000 $233,889 $2,303 2.87%
    40% 35 $7,435,000 $212,429 $1,748 2.93%
    41% 34 $8,300,000 $244,118 $1,748 3.01%
    42% 28 $6,870,000 $245,357 $2,024 2.94%
    45% 24 $5,930,000 $247,083 $2,488 3.01%
    44% 22 $6,350,000 $288,636 $2,676 2.87%
    46% 22 $5,090,000 $231,364 $1,740 2.78%
    43% 20 $4,720,000 $236,000 $2,087 2.83%
    50-60% 13 $3,365,000 $258,846 $4,687 2.91%
    48% 12 $2,810,000 $234,167 $2,932 2.79%
    47% 11 $2,915,000 $265,000 $1,705 2.95%
    49% 8 $2,140,000 $267,500 $2,033 2.77%
    >60% 2 $160,000 $80,000 $1,271 3.00%

    1st National Bank lent most frequently to those with DTI ratios of 20-30%, with 352 originations. The next most common DTI ratio? <20%, with 233 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 678 $159,300,000 $234,956 $1,725 2.93%
    Not provided 212 $42,200,000 $199,057 $1,833 3.02%
    Asian 156 $38,520,000 $246,923 $1,736 2.82%
    Chinese 58 $11,980,000 $206,552 $1,580 2.84%
    Asian Indian 41 $10,085,000 $245,976 $1,670 2.74%
    Black 15 $6,995,000 $466,333 $2,948 3.13%
    Other Asian 3 $1,025,000 $341,667 $4,686 2.71%
    American Indian 2 $350,000 $175,000 $3,574 2.81%

    Approval Rates

    Total approvals of all applications
    98.23%

    1st National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    49.36%

    1st National Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,165 $270,455,000 $232,150

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,165 $270,455,000 $232,150

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 98 $14,760,000 $150,612 $1,050 2.86%
    40-60% 230 $47,790,000 $207,783 $1,199 2.76%
    60-80% 499 $125,735,000 $251,974 $1,654 2.96%
    80-100% 292 $76,080,000 $260,548 $2,528 2.98%
    Over 100% 2 $2,550,000 $1,275,000 $11,069 2.88%
    Under 20% 43 $3,145,000 $73,140 $920 3.24%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    STANDARD MORTGAGE CORPORATION Conventional home mortgage Struggling to pay mortgage 1 16.7%
    STANDARD MORTGAGE CORPORATION Conventional home mortgage Trouble during payment process 1 16.7%
    STANDARD MORTGAGE CORPORATION FHA mortgage Struggling to pay mortgage 2 33.3%
    STANDARD MORTGAGE CORPORATION Other type of mortgage Trouble during payment process 2 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    1st National Bank 10600 Loveland Madeira Road Loveland, OH 45140 Full Service B&M $13,541
    1st National Bank 1095 S. Main Street Centerville, OH 45458 Full Service B&M $464
    1st National Bank 11 U.S. 22 And 3 Maineville, OH 45039 Full Service B&M $12,598
    1st National Bank 1160 East Main Street Lebanon, OH 45036 Full Service B&M $35,405
    1st National Bank 1530 Walmart Drive Lebanon, OH 45036 Full Service Retail $11,397
    1st National Bank 3616 Dixie Highway Franklin, OH 45005 Full Service B&M $16,647
    1st National Bank 541 West Pike Street Morrow, OH 45152 Full Service B&M $39,999
    1st National Bank 730 East Main Street Lebanon, OH 45036 Full Service B&M $39,246
    1st National Bank 7451 Mason Montgomery Road Mason, OH 45040 Full Service B&M $15,561
    1st National Bank 8288 Cincinnati Dayton Road West Chester, OH 45069 Full Service B&M $13,648
    1st National Bank 9015 Fields-Ertel Road Cincinnati, OH 45249 Full Service B&M $15,905

    For 2021, 1st National Bank had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $7,299
    Net interest income $6,214
    Total noninterest income $8,613
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $460
    Trading account gains and fees $0
    Additional Noninterest Income $8,153
    Pre-tax net operating income $18
    Securities gains (or losses, -) $0
    Income before extraordinary items $18
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $18
    Minority interest net income $0
    Net income $18
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $18

    1st National Bank's gross interest income from loans was $7,299,000.
    1st National Bank's net interest income from loans was $6,214,000.
    1st National Bank's fee based income from loans was $460,000.
    1st National Bank's net income from loans was $18,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,085
    Provision for credit losses $-188
    Total noninterest expense $14,997
    Salaries and employee benefits $9,251
    Premises and equipment expense $1,278
    Additional noninterest expense $4,468
    Applicable income taxes $0
    Net charge-offs $75
    Cash dividends $1,863

    1st National Bank's interest expense for loans was $1,085,000.
    1st National Bank's payroll and benefits expense were $9,251,000.
    1st National Bank's property, plant and equipment expenses $1,278,000.

    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 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 $220,816
    Deposits held in domestic offices $220,816
    Deposits by Individuals, partnerships, and corporations $207,211
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $13,606
    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 $96,874
    Demand deposits $59,468
    Nontransaction accounts $123,943
    Money market deposit accounts (MMDAs) $15,920
    Other savings deposits (excluding MMDAs) $47,295
    Total time deposits $60,728
    Total time and savings deposits $161,349
    Noninterest-bearing deposits $60,847
    Interest-bearing deposits $159,969
    Retail deposits $209,769
    IRAs and Keogh plan accounts $4,174
    Brokered deposits $10
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $250,282
    Cash & Balances due from depository institutions $40,040
    Interest-bearing balances $36,579
    Total securities $34,795
    Federal funds sold & reverse repurchase $8,383
    Net loans and leases $141,318
    Loan and leases loss allowance $2,016
    Trading account assets $0
    Bank premises and fixed assets $9,054
    Other real estate owned $0
    Goodwill and other intangibles $4,270
    All other assets $12,422

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $250,282
    Total Liabilities $230,399
    Total deposits $220,816
    Interest-bearing deposits $159,969
    Deposits held in domestic offices $220,816
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $7,000
    Subordinated debt $0
    All other liabilities $2,583

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $141,318
    Loan and leases loss allowance $2,016
    Total loans and leases (domestic) $143,334
    All real estate loans $132,516
    Real estate loans in domestic offices $132,516
    Construction and development loans $15,032
    Residential 1-4 family construction $9,692
    Other construction, all land development and other land $5,340
    Loans secured by nonfarm nonresidential properties $47,094
    Nonfarm nonresidential secured by owner-occupied properties $19,478
    Commercial real estate & other non-farm, non-residential $27,616
    Multifamily residential real estate $9,066
    1-4 family residential loans $60,794
    Farmland loans $530
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $9,167
    To non-U.S. addressees $0
    Loans to individuals $1,610
    Credit card loans $0
    Related Plans $142
    Consumer Auto Loans $1,417
    Other loans to individuals $51
    All other loans & leases $41
    Loans to foreign governments and official institutions $0
    Other loans $0
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    1st National Bank had $141,318,000 of loans outstanding in 2021. $132,516,000 of loans were in real estate loans. $15,032,000 of loans were in development loans. $9,066,000 of loans were in multifamily mortgage loans. $60,794,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,417,000 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 104 $26,186 $251,788
    Nonfarm, nonresidential loans - <$100k 19 $1,509 $79,421
    Nonfarm, nonresidential loans - $100-250k 32 $4,709 $147,156
    Nonfarm, nonresidential loans - $250k-1MM 53 $19,968 $376,755
    Commercial & Industrial, US addressed loans - <$1MM 148 $6,835 $46,182
    Commercial & Industrial, US addressed loans - <$100k 118 $3,218 $27,271
    Commercial & Industrial, US addressed loans - $100-250k 22 $2,153 $97,864
    Commercial & Industrial, US addressed loans - $250k-1MM 8 $1,464 $183,000
    Farmland loans - <$1MM 3 $530 $176,667
    Farmland loans - $100-250k 2 $410 $205,000
    Farmland loans - $250k-1MM 1 $120 $120,000