Community State Bank Of Missouri Mortgage Rates, Fees & Info

Bowling Green, MO

LEI: 254900RKKWUZX0NEH310

Tax ID: 43-0169830

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Mortgage Data

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

    Community State Bank Of Missouri is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Community State Bank Of Missouri has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Greensboro, Naples, Columbia, and Mexico among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Community State Bank Of Missouri 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.

    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

    170

    Origination Dollar Volume (All Markets)

    $30,470,000

    Employee count

    46

    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) 67 $11,195,000 $167,090 $0 0.00%
    Outside of Metro Areas 82 $10,950,000 $133,537 $0 0.00%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $2,725,000 $2,725,000 $0 0.00%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,990,000 $995,000 $0 0.00%
    COLUMBIA, MO (FHA|USDA|VA) 2 $1,220,000 $610,000 $0 0.00%
    Mexico, MO (FHA|USDA|VA) 9 $925,000 $102,778 $0 0.00%
    Hannibal, MO (FHA|USDA|VA) 4 $680,000 $170,000 $0 0.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $520,000 $260,000 $0 0.00%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
    Community State Bank Of Missouri's top markets include St. Louis, Greensboro, Naples, Columbia, and Mexico among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 170 $30,470,000 $179,235 $0 0.00%

    For 2021, Community State Bank Of Missouri's most frequently originated type of loan was Conventional, with 170 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 79 $14,485,000 $183,354 $0 0.00%
    Cash Out Refi 42 $8,640,000 $205,714 $0 0.00%
    Refi 29 $5,135,000 $177,069 $0 0.00%
    Other 11 $1,785,000 $162,273 $0 0.00%
    Home Improvement 9 $425,000 $47,222 $0 0.00%

    For 2021, Community State Bank Of Missouri's most frequently cited loan purpose was Home Purchase, with 79 originations. The 2nd most popular reason was Cash Out Refi, with 42 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 170 $30,470,000 $179,235 $0 0.00%

    For 2021, Community State Bank Of Missouri's most frequently cited loan duration was Other, with 170 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 62 $3,410,000 $55,000 $0 0.00%
    $100k-200k 57 $8,545,000 $149,912 $0 0.00%
    $200k-400k 45 $12,115,000 $269,222 $0 0.00%
    $400k-600k 3 $1,265,000 $421,667 $0 0.00%
    $1MM+ 2 $4,330,000 $2,165,000 $0 0.00%
    $600k-1MM 1 $805,000 $805,000 $0 0.00%

    2021 saw Community State Bank Of Missouri place emphasis on $100,000 or less loans with 62 originations, totaling $3,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 36 $6,880,000 $191,111 $0 0.00%
    $50k-75k 29 $3,335,000 $115,000 $0 0.00%
    $50k or less 29 $2,165,000 $74,655 $0 0.00%
    $75k-100k 28 $4,240,000 $151,429 $0 0.00%
    $150k-250k 14 $3,560,000 $254,286 $0 0.00%
    $250k+ 7 $5,285,000 $755,000 $0 0.00%

    Community State Bank Of Missouri lent most frequently to those with incomes in the $100k-150k range, with 36 originations. The second most popular income band? $50k-75k, with 29 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 170 $30,470,000 $179,235 $0 0.00%

    Community State Bank Of Missouri lent most frequently to those with DTI ratios of Exempt%, with 170 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 142 $25,800,000 $181,690 $0 0.00%
    Not provided 10 $2,710,000 $271,000 $0 0.00%
    Not applicable 17 $1,925,000 $113,235 $0 0.00%
    Black 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.56%

    Community State Bank Of Missouri has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.59%

    Community State Bank Of Missouri has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 170 $30,470,000 $179,235

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    170 $30,470,000 $179,235

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    COMMUNITY BANK SYSTEM, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 1 50.0%

    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 $54,854
    Community State Bank of Missouri 104 Bowling Green Parkway Bowling Green, MO 63334 Full Service B&M $2,817
    Community State Bank of Missouri 117 West Church Street Bowling Green, MO 63334 Full Service B&M $193,403

    For 2021, Community State Bank Of Missouri had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $9,230
    Net interest income $8,013
    Total noninterest income $1,283
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $762
    Trading account gains and fees $0
    Additional Noninterest Income $521
    Pre-tax net operating income $3,305
    Securities gains (or losses, -) $0
    Income before extraordinary items $3,305
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $3,305
    Minority interest net income $0
    Net income $3,305
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $3,305

    Community State Bank Of Missouri's gross interest income from loans was $9,230,000.
    Community State Bank Of Missouri's net interest income from loans was $8,013,000.
    Community State Bank Of Missouri's fee based income from loans was $762,000.
    Community State Bank Of Missouri's net income from loans was $3,305,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,217
    Provision for credit losses $0
    Total noninterest expense $5,991
    Salaries and employee benefits $3,296
    Premises and equipment expense $767
    Additional noninterest expense $1,928
    Applicable income taxes $0
    Net charge-offs $-53
    Cash dividends $2,998

    Community State Bank Of Missouri's interest expense for loans was $1,217,000.
    Community State Bank Of Missouri's payroll and benefits expense were $3,296,000.
    Community State Bank Of Missouri's property, plant and equipment expenses $767,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 2.0%
    Credit card loans 0.0%
    Other individual loans 2.0%
    Auto loans 2.0%
    Other consumer loans 2.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $269,123
    Deposits held in domestic offices $269,123
    Deposits by Individuals, partnerships, and corporations $224,988
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $44,134
    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 $102,129
    Demand deposits $56,090
    Nontransaction accounts $166,994
    Money market deposit accounts (MMDAs) $67,212
    Other savings deposits (excluding MMDAs) $32,685
    Total time deposits $67,096
    Total time and savings deposits $213,033
    Noninterest-bearing deposits $56,090
    Interest-bearing deposits $213,033
    Retail deposits $254,394
    IRAs and Keogh plan accounts $9,599
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $303,817
    Cash & Balances due from depository institutions $41,111
    Interest-bearing balances $36,196
    Total securities $55,651
    Federal funds sold & reverse repurchase $0
    Net loans and leases $193,099
    Loan and leases loss allowance $1,754
    Trading account assets $0
    Bank premises and fixed assets $3,999
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $9,957

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $303,817
    Total Liabilities $269,623
    Total deposits $269,123
    Interest-bearing deposits $213,033
    Deposits held in domestic offices $269,123
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $500

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $193,099
    Loan and leases loss allowance $1,754
    Total loans and leases (domestic) $194,853
    All real estate loans $153,269
    Real estate loans in domestic offices $153,269
    Construction and development loans $5,606
    Residential 1-4 family construction $4,606
    Other construction, all land development and other land $1,000
    Loans secured by nonfarm nonresidential properties $31,546
    Nonfarm nonresidential secured by owner-occupied properties $14,081
    Commercial real estate & other non-farm, non-residential $17,465
    Multifamily residential real estate $4,934
    1-4 family residential loans $52,435
    Farmland loans $58,748
    Loans held in foreign offices $0
    Farm loans $8,206
    Commercial and industrial loans $29,900
    To non-U.S. addressees $0
    Loans to individuals $1,553
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $587
    Other loans to individuals $966
    All other loans & leases $1,925
    Loans to foreign governments and official institutions $0
    Other loans $65
    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

    Community State Bank of Missouri had $193,099,000 of loans outstanding in 2021. $153,269,000 of loans were in real estate loans. $5,606,000 of loans were in development loans. $4,934,000 of loans were in multifamily mortgage loans. $52,435,000 of loans were in 1-4 family mortgage loans. $8,206,000 of loans were in farm loans. $0 of loans were in credit card loans. $587,000 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 66 $8,094 $122,636
    Nonfarm, nonresidential loans - <$100k 31 $1,078 $34,774
    Nonfarm, nonresidential loans - $100-250k 19 $1,709 $89,947
    Nonfarm, nonresidential loans - $250k-1MM 16 $5,307 $331,688
    Commercial & Industrial, US addressed loans - <$1MM 185 $9,570 $51,730
    Commercial & Industrial, US addressed loans - <$100k 151 $3,223 $21,344
    Commercial & Industrial, US addressed loans - $100-250k 21 $2,384 $113,524
    Commercial & Industrial, US addressed loans - $250k-1MM 13 $3,963 $304,846
    Farmland loans - <$1MM 140 $14,944 $106,743
    Farmland loans - <$100k 52 $1,549 $29,788
    Farmland loans - $100-250k 63 $6,952 $110,349
    Farmland loans - $250k-1MM 25 $6,443 $257,720
    Agriculture operations loans - <$1MM 75 $3,523 $46,973
    Agriculture operations loans - <$100k 55 $1,380 $25,091
    Agriculture operations loans - $100-250k 16 $1,185 $74,063
    Agriculture operations loans - $250k-1MM 4 $958 $239,500