Cnb Bank And Trust N.a. Mortgage Rates, Fees & Info

Carlinville, IL

LEI: 5493000BIR9N6Y5KFV24

Tax ID: 37-0205706

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

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

    Cnb Bank And Trust N.a. is a smaller bank specializing in Home Purchase and Refi loans. Cnb Bank And Trust N.a. has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Chicago, Taylorville, Madison, and Milwaukee among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Cnb Bank And Trust N.a. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cnb Bank And Trust N.a. 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 6.82% 4/21/24
    30 Year Conventional Refi 6.81% 4/21/24
    30 Year Cash-out Refi 6.74% 4/21/24
    30 Year FHA Purchase 6.27% 4/21/24
    30 Year USDA Purchase 6.92% 4/21/24
    15 Year Conventional Purchase 6.23% 4/21/24
    15 Year Conventional Refi 6.35% 4/21/24
    15 Year Cash-out Refi 6.35% 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.

    Cnb Bank And Trust N.a. Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Cnb Bank And Trust N.a.. 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

    301

    Origination Dollar Volume (All Markets)

    $51,725,000

    Employee count

    206

    Awards

    CNB Bank And Trust N.A. 30 Year Conventional Loans gold CNB Bank And Trust N.A. 30 Year Conventional Loans bronze CNB Bank And Trust N.A. 30 Year Conventional Loans gold
    Show all (3) 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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 138 $18,510,000 $134,130 $2,227 5.03%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 48 $18,170,000 $378,542 $3,699 4.92%
    Taylorville, IL (FHA|USDA|VA) 46 $6,460,000 $140,435 $1,764 4.76%
    Outside of Metro Areas 53 $5,795,000 $109,340 $2,270 4.95%
    MADISON, WI (FHA|USDA|VA) 1 $465,000 $465,000 $3,525 4.75%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $400,000 $200,000 $2,061 4.88%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $390,000 $195,000 $4,784 4.88%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $385,000 $385,000 $3,844 4.50%
    Jacksonville, IL (FHA|USDA|VA) 4 $330,000 $82,500 $2,129 5.03%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,666 4.50%
    Ruidoso, NM (FHA|USDA|VA) 1 $185,000 $185,000 $3,230 4.75%
    Branson, MO (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.25%
    ROCKFORD, IL (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.75%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.00%
    Quincy, IL-MO (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.25%
    Cnb Bank And Trust N.a.'s top markets include St. Louis, Chicago, Taylorville, Madison, and Milwaukee among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)

    • Similar Lenders

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

    UNITED
    Similarity Rank: 28
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 100
    Liberty Bank for Savings
    Similarity Rank: 104
    Community Bank of Trenton
    Similarity Rank: 108
    First National Bank of Waterloo
    Similarity Rank: 200
    RELIANCE BANK
    Similarity Rank: 238
    CapGrow Home Mortgage, LLC
    Similarity Rank: 272
    Petefish, Skiles & Co.
    Similarity Rank: 306
    JERSEY STATE BANK
    Similarity Rank: 354
    Prairie State Bank and Trust
    Similarity Rank: 391

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 292 $50,960,000 $174,521 $2,346 4.96%
    USDA 9 $765,000 $85,000 $2,557 5.03%

    For 2018, Cnb Bank And Trust N.a.'s most frequently originated type of loan was Conventional, with 292 originations. Their 2nd most popular type was USDA, with 9 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 185 $32,615,000 $176,297 $2,439 4.96%
    Refi 55 $12,705,000 $231,000 $2,118 5.01%
    Cash Out Refi 40 $5,110,000 $127,750 $2,713 4.62%
    Home Improvement 18 $1,160,000 $64,444 $955 5.43%
    Other 3 $135,000 $45,000 $1,355 5.67%

    For 2018, Cnb Bank And Trust N.a.'s most frequently cited loan purpose was Home Purchase, with 185 originations. The 2nd most popular reason was Refi, with 55 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 125 $18,075,000 $144,600 $2,667 4.79%
    20 Year 67 $14,545,000 $217,090 $2,297 5.23%
    15 Year 59 $8,255,000 $139,915 $1,745 4.70%
    Other 28 $6,860,000 $245,000 $1,021 5.30%
    1 Year 12 $2,740,000 $228,333 $0 5.25%
    10 Year 6 $240,000 $40,000 $1,166 5.46%
    3 Year 2 $960,000 $480,000 $0 5.00%
    5 Year 2 $50,000 $25,000 $1,070 5.83%

    For 2018, Cnb Bank And Trust N.a.'s most frequently cited loan duration was 30 Year, with 125 originations. The 2nd most popular length was 20 Year, with 67 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 119 $12,235,000 $102,815
    $1k-2k 52 $8,040,000 $154,615
    $2k-3k 18 $4,060,000 $225,556
    $3k-4k 8 $1,830,000 $228,750
    $4k-5k 3 $615,000 $205,000
    $5k+ 3 $675,000 $225,000

    Cnb Bank And Trust N.a.'s average total fees were $2,667, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 119 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 165 $27,545,000 $166,939
    5-6% 109 $18,765,000 $172,156
    3-4% 21 $4,535,000 $215,952
    6-7% 6 $880,000 $146,667

    During 2018, Cnb Bank And Trust N.a.'s average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 4-5%, with 165 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 136 $8,060,000 $59,265 $1,799 5.10%
    $100k-200k 84 $11,730,000 $139,643 $2,579 4.79%
    $200k-400k 60 $17,430,000 $290,500 $3,360 4.89%
    $400k-600k 11 $5,085,000 $462,273 $3,454 4.75%
    $600k-1MM 7 $4,995,000 $713,571 $0 5.23%
    $1MM+ 3 $4,425,000 $1,475,000 $0 4.92%

    2018 saw Cnb Bank And Trust N.a. place emphasis on $100,000 or less loans with 136 originations, totaling $8,060,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 73 $5,175,000 $70,890 $1,839 5.03%
    $50k-75k 55 $5,805,000 $105,545 $2,247 4.77%
    $100k-150k 44 $5,930,000 $134,773 $2,319 4.86%
    $150k-250k 28 $6,720,000 $240,000 $2,910 4.86%
    $75k-100k 23 $2,565,000 $111,522 $2,849 4.90%
    $250k+ 18 $5,510,000 $306,111 $3,664 4.65%

    Cnb Bank And Trust N.a. lent most frequently to those with incomes in the $50k or less range, with 73 originations. The second most popular income band? $50k-75k, with 55 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 60 $9,410,000 $156,833 $2,446 4.76%
    30-36% 37 $4,315,000 $116,622 $2,253 4.74%
    <20% 17 $1,675,000 $98,529 $1,732 4.89%
    42% 13 $2,115,000 $162,692 $2,154 4.64%
    50-60% 10 $1,660,000 $166,000 $3,251 4.90%
    39% 10 $740,000 $74,000 $1,754 4.96%
    38% 8 $1,060,000 $132,500 $2,994 4.76%
    40% 8 $800,000 $100,000 $2,694 4.61%
    37% 7 $815,000 $116,429 $2,429 4.79%
    48% 7 $1,025,000 $146,429 $2,218 4.93%
    >60% 7 $695,000 $99,286 $1,782 5.26%
    44% 6 $560,000 $93,333 $2,762 4.82%
    41% 6 $1,060,000 $176,667 $1,979 4.80%
    46% 5 $515,000 $103,000 $1,783 5.08%
    47% 4 $290,000 $72,500 $2,049 4.91%
    43% 4 $690,000 $172,500 $4,108 4.56%
    45% 4 $520,000 $130,000 $3,609 4.53%
    36% 3 $255,000 $85,000 $1,695 5.04%
    49% 2 $270,000 $135,000 $1,288 4.31%

    Cnb Bank And Trust N.a. lent most frequently to those with DTI ratios of 20-30%, with 60 originations. The next most common DTI ratio? 30-36%, with 37 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 239 $33,685,000 $140,941 $2,328 4.89%
    Not applicable 49 $15,465,000 $315,612 $0 5.37%
    Not provided 7 $1,365,000 $195,000 $2,470 4.84%
    American Indian 2 $500,000 $250,000 $3,920 4.56%
    Asian 1 $425,000 $425,000 $1,857 3.75%
    Black 2 $180,000 $90,000 $3,339 4.81%
    Asian Indian 1 $105,000 $105,000 $2,061 4.75%

    Approval Rates

    Total approvals of all applications
    85.47%

    Cnb Bank And Trust N.a. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.38%

    Cnb Bank And Trust N.a. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 301 $51,725,000 $171,844

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $2,185,000 $728,333
    Multifamily:Site-Built 19 $9,355,000 $492,368
    Single Family (1-4 Units):Manufactured 4 $180,000 $45,000
    Single Family (1-4 Units):Site-Built 275 $40,005,000 $145,473

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 22 $2,170,000 $98,636 $1,376 5.19%
    40-60% 38 $7,100,000 $186,842 $1,795 4.88%
    60-80% 129 $26,345,000 $204,225 $2,723 4.97%
    80-100% 95 $15,285,000 $160,895 $2,554 4.83%
    Under 20% 11 $475,000 $43,182 $957 5.47%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    CNB Bank and Trust, N.A. 111 Keating Street Shipman, IL 62685 Full Service B&M $29,585
    CNB Bank and Trust, N.A. 12727 South Ridgeland Avenue Palos Heights, IL 60463 Full Service B&M $81,011
    CNB Bank and Trust, N.A. 1351 Lincoln Avenue Jacksonville, IL 62650 Full Service B&M $29,229
    CNB Bank and Trust, N.A. 168 North Meramec Ave, Suite 350 Clayton, MO 63105 Full Service Retail $14,986
    CNB Bank and Trust, N.A. 200 Homer Adams Parkway Alton, IL 62002 Full Service B&M $73,372
    CNB Bank and Trust, N.A. 202 North Maple Brighton, IL 62012 Full Service B&M $26,818
    CNB Bank and Trust, N.A. 450 West Side Square Carlinville, IL 62626 Full Service B&M $169,500
    CNB Bank and Trust, N.A. 533 South State Street Jerseyville, IL 62052 Full Service B&M $38,759
    CNB Bank and Trust, N.A. 5459 West 159th Street Oak Forest, IL 60452 Full Service B&M $114,420
    CNB Bank and Trust, N.A. 549 South Main Street Hillsboro, IL 62049 Full Service B&M $48,128
    CNB Bank and Trust, N.A. 600 North Main Street Carrollton, IL 62016 Full Service B&M $48,982
    CNB Bank and Trust, N.A. 620 North Webster Taylorville, IL 62568 Full Service B&M $95,677
    CNB Bank and Trust, N.A. 643 West Washington Street Pittsfield, IL 62363 Full Service B&M $38,772
    CNB Bank and Trust, N.A. 9400 West 179th Street Tinley Park, IL 60487 Full Service B&M $4,818

    For 2018, Cnb Bank And Trust N.a. had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $42,157
    Net interest income $34,078
    Total noninterest income $4,629
    Gross Fiduciary activities income $961
    Service charges on deposit accounts $1,133
    Trading account gains and fees $0
    Additional Noninterest Income $2,535
    Pre-tax net operating income $12,920
    Securities gains (or losses, -) $-16
    Income before extraordinary items $9,636
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,636
    Minority interest net income $0
    Net income $9,636
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,648

    Cnb Bank And Trust N.a.'s gross interest income from loans was $42,157,000.
    Cnb Bank And Trust N.a.'s net interest income from loans was $34,078,000.
    Cnb Bank And Trust N.a.'s fee based income from loans was $1,133,000.
    Cnb Bank And Trust N.a.'s net income from loans was $9,636,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,079
    Provision for credit losses $2,204
    Total noninterest expense $23,583
    Salaries and employee benefits $14,477
    Premises and equipment expense $2,256
    Additional noninterest expense $6,850
    Applicable income taxes $3,268
    Net charge-offs $1,515
    Cash dividends $12,310

    Cnb Bank And Trust N.a.'s interest expense for loans was $8,079,000.
    Cnb Bank And Trust N.a.'s payroll and benefits expense were $14,477,000.
    Cnb Bank And Trust N.a.'s property, plant and equipment expenses $2,256,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 12.0%
    1-4 family residential loans 2.0%
    HELOC loans 0.0%
    All other family 2.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $861,192
    Deposits held in domestic offices $861,192
    Deposits by Individuals, partnerships, and corporations $761,752
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $98,970
    Deposits by Commercial banks and other depository institutions in U.S. $470
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $59,423
    Demand deposits $40,813
    Nontransaction accounts $801,769
    Money market deposit accounts (MMDAs) $15,110
    Other savings deposits (excluding MMDAs) $400,904
    Total time deposits $385,755
    Total time and savings deposits $820,379
    Noninterest-bearing deposits $144,046
    Interest-bearing deposits $717,146
    Retail deposits $755,055
    IRAs and Keogh plan accounts $21,914
    Brokered deposits $18,990
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $984,073
    Cash & Balances due from depository institutions $70,265
    Interest-bearing balances $61,346
    Total securities $131,998
    Federal funds sold & reverse repurchase $0
    Net loans and leases $747,055
    Loan and leases loss allowance $9,268
    Trading account assets $0
    Bank premises and fixed assets $13,078
    Other real estate owned $261
    Goodwill and other intangibles $4,970
    All other assets $16,446

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $984,073
    Total Liabilities $904,318
    Total deposits $861,192
    Interest-bearing deposits $717,146
    Deposits held in domestic offices $861,192
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $11,298
    Trading liabilities $0
    Other borrowed funds $21,666
    Subordinated debt $0
    All other liabilities $10,162

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $747,055
    Loan and leases loss allowance $9,268
    Total loans and leases (domestic) $756,323
    All real estate loans $520,508
    Real estate loans in domestic offices $520,508
    Construction and development loans $42,462
    Residential 1-4 family construction $10,111
    Other construction, all land development and other land $32,351
    Loans secured by nonfarm nonresidential properties $201,806
    Nonfarm nonresidential secured by owner-occupied properties $132,184
    Commercial real estate & other non-farm, non-residential $69,622
    Multifamily residential real estate $48,486
    1-4 family residential loans $85,448
    Farmland loans $142,306
    Loans held in foreign offices $0
    Farm loans $90,191
    Commercial and industrial loans $127,110
    To non-U.S. addressees $0
    Loans to individuals $12,945
    Credit card loans $0
    Related Plans $605
    Consumer Auto Loans $3,765
    Other loans to individuals $8,575
    All other loans & leases $5,568
    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

    CNB Bank And Trust N.A. had $747,055,000 of loans outstanding in 2018. $520,508,000 of loans were in real estate loans. $42,462,000 of loans were in development loans. $48,486,000 of loans were in multifamily mortgage loans. $85,448,000 of loans were in 1-4 family mortgage loans. $90,191,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,765,000 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 485 $109,713 $226,212
    Nonfarm, nonresidential loans - <$100k 142 $5,849 $41,190
    Nonfarm, nonresidential loans - $100-250k 144 $18,465 $128,229
    Nonfarm, nonresidential loans - $250k-1MM 199 $85,399 $429,141
    Commercial & Industrial, US addressed loans - <$1MM 928 $73,012 $78,677
    Commercial & Industrial, US addressed loans - <$100k 612 $13,772 $22,503
    Commercial & Industrial, US addressed loans - $100-250k 167 $16,422 $98,335
    Commercial & Industrial, US addressed loans - $250k-1MM 149 $42,818 $287,369
    Farmland loans - <$1MM 513 $78,255 $152,544
    Farmland loans - <$100k 162 $7,181 $44,327
    Farmland loans - $100-250k 203 $26,470 $130,394
    Farmland loans - $250k-1MM 148 $44,604 $301,378
    Agriculture operations loans - <$1MM 647 $42,808 $66,164
    Agriculture operations loans - <$100k 450 $10,502 $23,338
    Agriculture operations loans - $100-250k 118 $13,912 $117,898
    Agriculture operations loans - $250k-1MM 79 $18,394 $232,835