Community State Bank Of Missouri Mortgage Rates, Fees & Info

Bowling Green, MO

LEI: 254900RKKWUZX0NEH310

Tax ID: 43-0169830

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Mortgage Data

Bank Data

Review & Overview

Community State Bank Of Missouri is a smaller bank specializing in Home Purchase, Cash Out Refi, and Refi loans. Community State Bank Of Missouri has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Mexico, Columbia, Hannibal, and Naples among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)

Community State Bank Of Missouri has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.

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Originations

154

Origination Dollar Volume (All Markets)

$19,990,000

Employee count

44

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
ST. LOUIS, MO-IL (FHA|USDA|VA) 64 $10,500,000 $164,063 $0 0.00%
Outside of Metro Areas 65 $6,235,000 $95,923 $0 0.00%
Mexico, MO (FHA|USDA|VA) 11 $1,035,000 $94,091 $0 0.00%
COLUMBIA, MO (FHA|USDA|VA) 2 $550,000 $275,000 $0 0.00%
Hannibal, MO (FHA|USDA|VA) 5 $525,000 $105,000 $0 0.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $320,000 $160,000 $0 0.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $190,000 $95,000 $0 0.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
Community State Bank Of Missouri's top markets include St. Louis, Mexico, Columbia, Hannibal, and Naples among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 154 $19,990,000 $129,805 $0 0.00%

    For 2019, Community State Bank Of Missouri's most frequently originated type of loan was Conventional, with 154 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 69 $9,325,000 $135,145 $0 0.00%
    Cash Out Refi 44 $5,010,000 $113,864 $0 0.00%
    Refi 25 $4,695,000 $187,800 $0 0.00%
    Home Improvement 12 $440,000 $36,667 $0 0.00%
    Other 4 $520,000 $130,000 $0 0.00%

    For 2019, Community State Bank Of Missouri's most frequently cited loan purpose was Home Purchase, with 69 originations. The 2nd most popular reason was Cash Out Refi, with 44 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 154 $19,990,000 $129,805 $0 0.00%

    For 2019, Community State Bank Of Missouri's most frequently cited loan duration was Other, with 154 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 81 $4,005,000 $49,444 $0 0.00%
    $100k-200k 39 $5,715,000 $146,538 $0 0.00%
    $200k-400k 29 $7,425,000 $256,034 $0 0.00%
    $400k-600k 4 $1,690,000 $422,500 $0 0.00%
    $1MM+ 1 $1,155,000 $1,155,000 $0 0.00%

    2019 saw Community State Bank Of Missouri place emphasis on $100,000 or less loans with 81 originations, totaling $4,005,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 38 $2,870,000 $75,526 $0 0.00%
    $100k-150k 29 $5,205,000 $179,483 $0 0.00%
    $75k-100k 27 $3,145,000 $116,481 $0 0.00%
    $50k-75k 25 $2,345,000 $93,800 $0 0.00%
    $150k-250k 7 $1,775,000 $253,571 $0 0.00%
    $250k+ 3 $945,000 $315,000 $0 0.00%

    Community State Bank Of Missouri lent most frequently to those with incomes in the $50k or less range, with 38 originations. The second most popular income band? $100k-150k, with 29 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 154 $19,990,000 $129,805 $0 0.00%

    Community State Bank Of Missouri lent most frequently to those with DTI ratios of Exempt%, with 154 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 127 $15,975,000 $125,787 $0 0.00%
    Not provided 7 $2,035,000 $290,714 $0 0.00%
    Not applicable 17 $1,875,000 $110,294 $0 0.00%
    American Indian 1 $85,000 $85,000 $0 0.00%
    Black 2 $20,000 $10,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.08%

    Community State Bank Of Missouri has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.91%

    Community State Bank Of Missouri has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 154 $19,990,000 $129,805

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $470,000 $235,000
    Single Family (1-4 Units):Manufactured 10 $550,000 $55,000
    Single Family (1-4 Units):Site-Built 142 $18,970,000 $133,592

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Closing on a mortgage 1 20.0%
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Trouble during payment process 3 60.0%
    COMMUNITY BANK SYSTEM, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 1 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community State Bank of Missouri 101 Community Bank Plaza Branch Troy, MO 63379 Full Service B&M $45,375
    Community State Bank of Missouri 117 West Church Street Bowling Green, MO 63334 Full Service B&M $159,499

    For 2019, Community State Bank Of Missouri had 2 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $8,857
    Net interest income $7,450
    Total noninterest income $1,196
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $741
    Trading account gains and fees $0
    Additional Noninterest Income $455
    Pre-tax net operating income $3,172
    Securities gains (or losses, -) $0
    Income before extraordinary items $3,172
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $3,172
    Minority interest net income $0
    Net income $3,172
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $3,172

    Community State Bank Of Missouri's gross interest income from loans was $8,857,000.
    Community State Bank Of Missouri's net interest income from loans was $7,450,000.
    Community State Bank Of Missouri's fee based income from loans was $741,000.
    Community State Bank Of Missouri's net income from loans was $3,172,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,407
    Provision for credit losses $0
    Total noninterest expense $5,474
    Salaries and employee benefits $3,092
    Premises and equipment expense $558
    Additional noninterest expense $1,824
    Applicable income taxes $0
    Net charge-offs $2
    Cash dividends $2,529

    Community State Bank Of Missouri's interest expense for loans was $1,407,000.
    Community State Bank Of Missouri's payroll and benefits expense were $3,092,000.
    Community State Bank Of Missouri's property, plant and equipment expenses $558,000.

    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 1.0%
    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 $207,729
    Deposits held in domestic offices $207,729
    Deposits by Individuals, partnerships, and corporations $171,142
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $36,587
    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 $67,915
    Demand deposits $35,834
    Nontransaction accounts $139,814
    Money market deposit accounts (MMDAs) $52,302
    Other savings deposits (excluding MMDAs) $20,686
    Total time deposits $66,824
    Total time and savings deposits $171,895
    Noninterest-bearing deposits $35,834
    Interest-bearing deposits $171,895
    Retail deposits $194,511
    IRAs and Keogh plan accounts $10,068
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $240,892
    Cash & Balances due from depository institutions $11,422
    Interest-bearing balances $6,693
    Total securities $58,604
    Federal funds sold & reverse repurchase $14,862
    Net loans and leases $142,463
    Loan and leases loss allowance $1,627
    Trading account assets $0
    Bank premises and fixed assets $4,041
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $9,500

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $240,892
    Total Liabilities $208,319
    Total deposits $207,729
    Interest-bearing deposits $171,895
    Deposits held in domestic offices $207,729
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $590

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $142,463
    Loan and leases loss allowance $1,627
    Total loans and leases (domestic) $144,090
    All real estate loans $118,882
    Real estate loans in domestic offices $118,882
    Construction and development loans $3,491
    Residential 1-4 family construction $3,052
    Other construction, all land development and other land $439
    Loans secured by nonfarm nonresidential properties $24,948
    Nonfarm nonresidential secured by owner-occupied properties $17,739
    Commercial real estate & other non-farm, non-residential $7,209
    Multifamily residential real estate $2,469
    1-4 family residential loans $43,186
    Farmland loans $44,788
    Loans held in foreign offices $0
    Farm loans $8,598
    Commercial and industrial loans $15,109
    To non-U.S. addressees $0
    Loans to individuals $1,355
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $435
    Other loans to individuals $920
    All other loans & leases $146
    Loans to foreign governments and official institutions $0
    Other loans $146
    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 $108
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Community State Bank of Missouri had $142,463,000 of loans outstanding in 2019. $118,882,000 of loans were in real estate loans. $3,491,000 of loans were in development loans. $2,469,000 of loans were in multifamily mortgage loans. $43,186,000 of loans were in 1-4 family mortgage loans. $8,598,000 of loans were in farm loans. $0 of loans were in credit card loans. $435,000 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 106 $12,472 $117,660
    Nonfarm, nonresidential loans - <$100k 55 $1,793 $32,600
    Nonfarm, nonresidential loans - $100-250k 35 $4,180 $119,429
    Nonfarm, nonresidential loans - $250k-1MM 16 $6,499 $406,188
    Commercial & Industrial, US addressed loans - <$1MM 140 $8,619 $61,564
    Commercial & Industrial, US addressed loans - <$100k 101 $2,355 $23,317
    Commercial & Industrial, US addressed loans - $100-250k 29 $3,366 $116,069
    Commercial & Industrial, US addressed loans - $250k-1MM 10 $2,898 $289,800
    Farmland loans - <$1MM 157 $23,442 $149,312
    Farmland loans - <$100k 14 $821 $58,643
    Farmland loans - $100-250k 111 $13,235 $119,234
    Farmland loans - $250k-1MM 32 $9,386 $293,313
    Agriculture operations loans - <$1MM 149 $8,598 $57,705
    Agriculture operations loans - <$100k 120 $2,465 $20,542
    Agriculture operations loans - $100-250k 19 $1,857 $97,737
    Agriculture operations loans - $250k-1MM 10 $4,276 $427,600