Regional Missouri Bank Mortgage Rates, Fees & Info

Marceline, MO

LEI: 254900RZAKWEVNKBVY93

Tax ID: 44-0161720

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Mortgage Data

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

    Regional Missouri Bank is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    58

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Regional Missouri Bank 100 South Kansas Avenue Marceline, MO 64658 Full Service B&M $9,476
    Regional Missouri Bank 1201 South Missouri Avenue Marceline, MO 64658 Full Service B&M $76,293
    Regional Missouri Bank 301 East Highway 24 Salisbury, MO 65281 Full Service B&M $45,072
    Regional Missouri Bank 301 North Main Paris, MO 65275 Full Service B&M $24,004
    Regional Missouri Bank 400 West Bridge Street Keytesville, MO 65261 Full Service B&M $26,035
    Regional Missouri Bank 601 First Street Glasgow, MO 65254 Full Service B&M $23,490

    For 2018, Regional Missouri Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $10,790
    Net interest income $9,049
    Total noninterest income $1,043
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $395
    Trading account gains and fees $0
    Additional Noninterest Income $648
    Pre-tax net operating income $4,559
    Securities gains (or losses, -) $0
    Income before extraordinary items $4,559
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,559
    Minority interest net income $0
    Net income $4,559
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,559

    Regional Missouri Bank's gross interest income from loans was $10,790,000.
    Regional Missouri Bank's net interest income from loans was $9,049,000.
    Regional Missouri Bank's fee based income from loans was $395,000.
    Regional Missouri Bank's net income from loans was $4,559,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,741
    Provision for credit losses $231
    Total noninterest expense $5,302
    Salaries and employee benefits $3,135
    Premises and equipment expense $526
    Additional noninterest expense $1,641
    Applicable income taxes $0
    Net charge-offs $-10
    Cash dividends $2,627

    Regional Missouri Bank's interest expense for loans was $1,741,000.
    Regional Missouri Bank's payroll and benefits expense were $3,135,000.
    Regional Missouri Bank's property, plant and equipment expenses $526,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    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 11.0%
    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 $204,172
    Deposits held in domestic offices $204,172
    Deposits by Individuals, partnerships, and corporations $183,445
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $16,561
    Deposits by Commercial banks and other depository institutions in U.S. $4,166
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $87,135
    Demand deposits $61,439
    Nontransaction accounts $117,037
    Money market deposit accounts (MMDAs) $19,008
    Other savings deposits (excluding MMDAs) $18,832
    Total time deposits $79,197
    Total time and savings deposits $142,733
    Noninterest-bearing deposits $49,868
    Interest-bearing deposits $154,304
    Retail deposits $184,093
    IRAs and Keogh plan accounts $13,858
    Brokered deposits $13,084
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $244,113
    Cash & Balances due from depository institutions $7,391
    Interest-bearing balances $1,104
    Total securities $28,003
    Federal funds sold & reverse repurchase $70
    Net loans and leases $199,847
    Loan and leases loss allowance $2,596
    Trading account assets $0
    Bank premises and fixed assets $1,741
    Other real estate owned $0
    Goodwill and other intangibles $904
    All other assets $6,157

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $244,113
    Total Liabilities $220,318
    Total deposits $204,172
    Interest-bearing deposits $154,304
    Deposits held in domestic offices $204,172
    % insured (estimated) $92
    Federal funds purchased and repurchase agreements $3,000
    Trading liabilities $0
    Other borrowed funds $12,500
    Subordinated debt $0
    All other liabilities $646

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $199,847
    Loan and leases loss allowance $2,596
    Total loans and leases (domestic) $202,443
    All real estate loans $153,145
    Real estate loans in domestic offices $153,145
    Construction and development loans $2,233
    Residential 1-4 family construction $2,079
    Other construction, all land development and other land $154
    Loans secured by nonfarm nonresidential properties $25,877
    Nonfarm nonresidential secured by owner-occupied properties $19,915
    Commercial real estate & other non-farm, non-residential $5,962
    Multifamily residential real estate $0
    1-4 family residential loans $44,688
    Farmland loans $80,347
    Loans held in foreign offices $0
    Farm loans $27,872
    Commercial and industrial loans $16,063
    To non-U.S. addressees $0
    Loans to individuals $5,119
    Credit card loans $0
    Related Plans $7
    Consumer Auto Loans $3,682
    Other loans to individuals $1,430
    All other loans & leases $244
    Loans to foreign governments and official institutions $0
    Other loans $29
    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

    Regional Missouri Bank had $199,847,000 of loans outstanding in 2018. $153,145,000 of loans were in real estate loans. $2,233,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $44,688,000 of loans were in 1-4 family mortgage loans. $27,872,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,682,000 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 127 $18,253 $143,724
    Nonfarm, nonresidential loans - <$100k 60 $2,449 $40,817
    Nonfarm, nonresidential loans - $100-250k 38 $4,135 $108,816
    Nonfarm, nonresidential loans - $250k-1MM 29 $11,669 $402,379
    Commercial & Industrial, US addressed loans - <$1MM 229 $10,662 $46,559
    Commercial & Industrial, US addressed loans - <$100k 189 $4,322 $22,868
    Commercial & Industrial, US addressed loans - $100-250k 25 $2,185 $87,400
    Commercial & Industrial, US addressed loans - $250k-1MM 15 $4,155 $277,000
    Farmland loans - <$1MM 373 $46,785 $125,429
    Farmland loans - <$100k 156 $6,687 $42,865
    Farmland loans - $100-250k 157 $20,930 $133,312
    Farmland loans - $250k-1MM 60 $19,168 $319,467
    Agriculture operations loans - <$1MM 697 $22,698 $32,565
    Agriculture operations loans - <$100k 621 $12,892 $20,760
    Agriculture operations loans - $100-250k 64 $6,853 $107,078
    Agriculture operations loans - $250k-1MM 12 $2,953 $246,083