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, Jacksonville, Taylorville, and Springfield among others. We have data for 20 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% 11/21/24
    30 Year Conventional Refi 6.81% 11/21/24
    30 Year Cash-out Refi 6.74% 11/21/24
    30 Year FHA Purchase 6.27% 11/21/24
    30 Year USDA Purchase 6.92% 11/21/24
    15 Year Conventional Purchase 6.23% 11/21/24
    15 Year Conventional Refi 6.35% 11/21/24
    15 Year Cash-out Refi 6.35% 11/21/24
    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

    466

    Origination Dollar Volume (All Markets)

    $78,600,000

    Employee count

    281 Show all (9) 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) 142 $32,640,000 $229,859 $2,346 4.67%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 39 $15,795,000 $405,000 $3,765 4.50%
    Jacksonville, IL (FHA|USDA|VA) 131 $11,505,000 $87,824 $1,816 4.59%
    Outside of Metro Areas 63 $7,265,000 $115,317 $2,054 4.51%
    Taylorville, IL (FHA|USDA|VA) 53 $5,385,000 $101,604 $2,161 4.37%
    SPRINGFIELD, IL (FHA|USDA|VA) 21 $2,515,000 $119,762 $2,251 4.65%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $805,000 $805,000 $0 4.75%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $385,000 $385,000 $4,833 3.63%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $365,000 $365,000 $0 5.00%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $335,000 $335,000 $2,278 3.13%
    Warsaw, IN (FHA|USDA|VA) 1 $285,000 $285,000 $5,178 3.50%
    DECATUR, IL (FHA|USDA|VA) 4 $240,000 $60,000 $2,279 4.94%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.00%
    Lincoln, IL (FHA|USDA|VA) 1 $205,000 $205,000 $5,559 3.88%
    Ruidoso, NM (FHA|USDA|VA) 1 $185,000 $185,000 $2,247 3.50%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,725 4.00%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $135,000 $135,000 $2,182 4.00%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $85,000 $85,000 $1,773 3.25%
    Macomb, IL (FHA|USDA|VA) 1 $55,000 $55,000 $1,324 3.25%
    Quincy, IL-MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.00%
    Cnb Bank And Trust N.a.'s top markets include St. Louis, Chicago, Jacksonville, Taylorville, and Springfield among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Michigan (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.

    Liberty Bank for Savings
    Similarity Rank: 85
    HEARTLAND
    Similarity Rank: 182
    WEST COMMUNITY
    Similarity Rank: 190
    United Bank of Union
    Similarity Rank: 275
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 302
    EDUCATORS CREDIT UNION
    Similarity Rank: 352
    ELECTRO SAVINGS CREDIT UNION
    Similarity Rank: 396
    Dieterich Bank
    Similarity Rank: 442
    CapGrow Home Mortgage, LLC
    Similarity Rank: 450
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 490

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 442 $76,480,000 $173,032 $2,201 4.60%
    USDA 24 $2,120,000 $88,333 $2,587 3.82%

    For 2019, Cnb Bank And Trust N.a.'s most frequently originated type of loan was Conventional, with 442 originations. Their 2nd most popular type was USDA, with 24 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 254 $50,840,000 $200,157 $2,464 4.55%
    Refi 98 $16,280,000 $166,122 $1,625 4.61%
    Cash Out Refi 69 $8,495,000 $123,116 $2,728 3.66%
    Home Improvement 23 $1,225,000 $53,261 $1,162 5.85%
    Other 22 $1,760,000 $80,000 $1,225 5.92%

    For 2019, Cnb Bank And Trust N.a.'s most frequently cited loan purpose was Home Purchase, with 254 originations. The 2nd most popular reason was Refi, with 98 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 210 $30,160,000 $143,619 $2,595 4.21%
    15 Year 128 $14,010,000 $109,453 $1,781 4.20%
    20 Year 53 $12,105,000 $228,396 $2,273 5.28%
    Other 36 $19,230,000 $534,167 $1,516 5.48%
    1 Year 16 $2,170,000 $135,625 $1,145 5.51%
    10 Year 11 $325,000 $29,545 $816 6.40%
    5 Year 10 $320,000 $32,000 $711 5.96%
    30+ year 1 $255,000 $255,000 $5,266 3.75%
    3 Year 1 $25,000 $25,000 $75 5.25%

    For 2019, Cnb Bank And Trust N.a.'s most frequently cited loan duration was 30 Year, with 210 originations. The 2nd most popular length was 15 Year, with 128 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 234 $23,050,000 $98,504
    $1k-2k 87 $13,065,000 $150,172
    $2k-3k 29 $6,755,000 $232,931
    $3k-4k 11 $2,345,000 $213,182
    $4k-5k 7 $1,425,000 $203,571
    $5k+ 3 $615,000 $205,000

    Cnb Bank And Trust N.a.'s average total fees were $2,595, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 234 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 226 $31,360,000 $138,761
    5-6% 99 $28,255,000 $285,404
    4-5% 81 $12,465,000 $153,889
    6-7% 43 $4,555,000 $105,930
    7-8% 9 $425,000 $47,222
    2.5-3% 4 $1,380,000 $345,000
    Over 8% 4 $160,000 $40,000

    During 2019, Cnb Bank And Trust N.a.'s average interest rate for loans was 4.21%, while their most frequently originated rate bucket for loans was 3-4%, with 226 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 229 $13,675,000 $59,716 $1,655 4.93%
    $100k-200k 151 $21,585,000 $142,947 $2,436 4.11%
    $200k-400k 67 $18,225,000 $272,015 $3,481 4.15%
    $400k-600k 10 $4,750,000 $475,000 $2,902 5.06%
    $1MM+ 5 $17,295,000 $3,459,000 $0 5.39%
    $600k-1MM 4 $3,070,000 $767,500 $5,608 5.43%

    2019 saw Cnb Bank And Trust N.a. place emphasis on $100,000 or less loans with 229 originations, totaling $13,675,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 112 $10,930,000 $97,589 $2,099 4.50%
    $50k or less 97 $6,755,000 $69,639 $1,808 4.56%
    $100k-150k 85 $12,705,000 $149,471 $2,537 4.52%
    $75k-100k 68 $8,700,000 $127,941 $2,229 4.59%
    $150k-250k 41 $8,245,000 $201,098 $2,569 4.25%
    $250k+ 21 $5,775,000 $275,000 $3,676 4.71%

    Cnb Bank And Trust N.a. lent most frequently to those with incomes in the $50k-75k range, with 112 originations. The second most popular income band? $50k or less, with 97 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 95 $10,215,000 $107,526 $2,195 4.22%
    30-36% 91 $12,185,000 $133,901 $2,198 4.32%
    <20% 38 $4,040,000 $106,316 $1,954 4.30%
    45% 19 $2,925,000 $153,947 $2,642 4.01%
    42% 18 $2,520,000 $140,000 $2,354 4.29%
    36% 16 $2,330,000 $145,625 $2,082 4.20%
    37% 13 $1,395,000 $107,308 $1,880 3.93%
    40% 12 $1,260,000 $105,000 $2,218 4.10%
    44% 11 $1,845,000 $167,727 $2,497 3.72%
    38% 7 $1,055,000 $150,714 $1,832 4.25%
    41% 7 $875,000 $125,000 $3,448 4.11%
    43% 6 $880,000 $146,667 $3,929 4.31%
    39% 6 $650,000 $108,333 $2,084 4.46%
    46% 6 $730,000 $121,667 $1,826 4.06%
    47% 6 $760,000 $126,667 $2,507 4.50%
    48% 6 $1,460,000 $243,333 $1,841 4.84%
    49% 6 $1,140,000 $190,000 $3,001 3.58%
    50-60% 6 $660,000 $110,000 $1,553 5.53%
    >60% 5 $555,000 $111,000 $1,421 7.14%

    Cnb Bank And Trust N.a. lent most frequently to those with DTI ratios of 20-30%, with 95 originations. The next most common DTI ratio? 30-36%, with 91 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 419 $54,995,000 $131,253 $2,220 4.50%
    Not applicable 32 $21,710,000 $678,438 $0 5.35%
    Not provided 14 $1,770,000 $126,429 $2,436 4.43%
    Black 1 $125,000 $125,000 $0 6.50%

    Approval Rates

    Total approvals of all applications
    85.20%

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

    Pick Rate

    Approvals leading to origination
    87.77%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 466 $78,600,000 $168,670

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 12 $18,210,000 $1,517,500
    Single Family (1-4 Units):Manufactured 5 $415,000 $83,000
    Single Family (1-4 Units):Site-Built 449 $59,975,000 $133,575

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 28 $4,850,000 $173,214 $1,013 5.99%
    40-60% 66 $9,600,000 $145,455 $1,657 4.44%
    60-80% 174 $39,620,000 $227,701 $2,505 4.37%
    80-100% 173 $22,815,000 $131,879 $2,536 4.34%
    Over 100% 2 $200,000 $100,000 $322 5.25%
    Under 20% 23 $1,515,000 $65,870 $631 6.24%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    CNB Bank and Trust, N.A. 100 North Dye Street Virden, IL 62690 Full Service B&M $14,991
    CNB Bank and Trust, N.A. 111 Keating Street Shipman, IL 62685 Full Service B&M $32,935
    CNB Bank and Trust, N.A. 1211 West Morton Avenue Jacksonville, IL 62650 Full Service B&M $196,988
    CNB Bank and Trust, N.A. 12727 South Ridgeland Avenue Palos Heights, IL 60463 Full Service B&M $109,132
    CNB Bank and Trust, N.A. 168 North Meramec Ave, Suite 350 Clayton, MO 63105 Full Service Retail $13,499
    CNB Bank and Trust, N.A. 200 Homer Adams Parkway Alton, IL 62002 Full Service B&M $75,390
    CNB Bank and Trust, N.A. 202 North Maple Brighton, IL 62012 Full Service B&M $30,865
    CNB Bank and Trust, N.A. 225 West State Street Jacksonville, IL 62650 Limited, Drive-thru $0
    CNB Bank and Trust, N.A. 450 West Side Square Carlinville, IL 62626 Full Service B&M $175,584
    CNB Bank and Trust, N.A. 501 North State Street Litchfield, IL 62056 Full Service B&M $14,035
    CNB Bank and Trust, N.A. 510 Superior Street Chapin, IL 62628 Full Service B&M $33,617
    CNB Bank and Trust, N.A. 533 South State Street Jerseyville, IL 62052 Full Service B&M $41,765
    CNB Bank and Trust, N.A. 5459 West 159th Street Oak Forest, IL 60452 Full Service B&M $117,077
    CNB Bank and Trust, N.A. 549 South Main Street Hillsboro, IL 62049 Full Service B&M $46,793
    CNB Bank and Trust, N.A. 600 North Main Street Carrollton, IL 62016 Full Service B&M $51,998
    CNB Bank and Trust, N.A. 620 North Webster Taylorville, IL 62568 Full Service B&M $96,233
    CNB Bank and Trust, N.A. 643 West Washington Street Pittsfield, IL 62363 Full Service B&M $29,186
    CNB Bank and Trust, N.A. 903 South Main Street Jacksonville, IL 62650 Limited, Drive-thru $0
    CNB Bank and Trust, N.A. 9400 West 179th Street Tinley Park, IL 60487 Full Service B&M $30,132

    For 2019, Cnb Bank And Trust N.a. had 19 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $59,585
    Net interest income $45,466
    Total noninterest income $10,204
    Gross Fiduciary activities income $1,419
    Service charges on deposit accounts $2,096
    Trading account gains and fees $0
    Additional Noninterest Income $6,689
    Pre-tax net operating income $18,842
    Securities gains (or losses, -) $-37
    Income before extraordinary items $14,097
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,097
    Minority interest net income $0
    Net income $14,097
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,126

    Cnb Bank And Trust N.a.'s gross interest income from loans was $59,585,000.
    Cnb Bank And Trust N.a.'s net interest income from loans was $45,466,000.
    Cnb Bank And Trust N.a.'s fee based income from loans was $2,096,000.
    Cnb Bank And Trust N.a.'s net income from loans was $14,097,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $14,119
    Provision for credit losses $2,091
    Total noninterest expense $34,737
    Salaries and employee benefits $21,471
    Premises and equipment expense $3,414
    Additional noninterest expense $9,852
    Applicable income taxes $4,708
    Net charge-offs $819
    Cash dividends $4,350

    Cnb Bank And Trust N.a.'s interest expense for loans was $14,119,000.
    Cnb Bank And Trust N.a.'s payroll and benefits expense were $21,471,000.
    Cnb Bank And Trust N.a.'s property, plant and equipment expenses $3,414,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 3.0%
    1-4 family residential loans 2.0%
    HELOC loans 0.0%
    All other family 2.0%
    Commercial & industrial loans 6.0%
    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 $1,121,580
    Deposits held in domestic offices $1,121,580
    Deposits by Individuals, partnerships, and corporations $997,144
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $124,207
    Deposits by Commercial banks and other depository institutions in U.S. $229
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $70,792
    Demand deposits $51,407
    Nontransaction accounts $1,050,788
    Money market deposit accounts (MMDAs) $34,517
    Other savings deposits (excluding MMDAs) $572,328
    Total time deposits $443,943
    Total time and savings deposits $1,070,173
    Noninterest-bearing deposits $186,093
    Interest-bearing deposits $935,487
    Retail deposits $1,010,318
    IRAs and Keogh plan accounts $35,695
    Brokered deposits $14,763
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,333,230
    Cash & Balances due from depository institutions $101,681
    Interest-bearing balances $73,489
    Total securities $235,540
    Federal funds sold & reverse repurchase $0
    Net loans and leases $918,577
    Loan and leases loss allowance $11,655
    Trading account assets $0
    Bank premises and fixed assets $18,132
    Other real estate owned $120
    Goodwill and other intangibles $26,287
    All other assets $32,893

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,333,230
    Total Liabilities $1,192,602
    Total deposits $1,121,580
    Interest-bearing deposits $935,487
    Deposits held in domestic offices $1,121,580
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $28,622
    Trading liabilities $0
    Other borrowed funds $22,334
    Subordinated debt $0
    All other liabilities $20,066

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $918,577
    Loan and leases loss allowance $11,655
    Total loans and leases (domestic) $930,232
    All real estate loans $662,162
    Real estate loans in domestic offices $662,162
    Construction and development loans $47,220
    Residential 1-4 family construction $10,230
    Other construction, all land development and other land $36,990
    Loans secured by nonfarm nonresidential properties $258,435
    Nonfarm nonresidential secured by owner-occupied properties $164,267
    Commercial real estate & other non-farm, non-residential $94,168
    Multifamily residential real estate $50,883
    1-4 family residential loans $131,758
    Farmland loans $173,866
    Loans held in foreign offices $0
    Farm loans $92,981
    Commercial and industrial loans $145,596
    To non-U.S. addressees $0
    Loans to individuals $27,087
    Credit card loans $0
    Related Plans $375
    Consumer Auto Loans $11,050
    Other loans to individuals $15,662
    All other loans & leases $2,406
    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 $1,398
    Non 1-4 family restructured loans & leases $944
    Total loans and leases (foreign) $0

    CNB Bank And Trust N.A. had $918,577,000 of loans outstanding in 2019. $662,162,000 of loans were in real estate loans. $47,220,000 of loans were in development loans. $50,883,000 of loans were in multifamily mortgage loans. $131,758,000 of loans were in 1-4 family mortgage loans. $92,981,000 of loans were in farm loans. $0 of loans were in credit card loans. $11,050,000 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 543 $125,531 $231,180
    Nonfarm, nonresidential loans - <$100k 179 $10,143 $56,665
    Nonfarm, nonresidential loans - $100-250k 147 $19,202 $130,626
    Nonfarm, nonresidential loans - $250k-1MM 217 $96,186 $443,253
    Commercial & Industrial, US addressed loans - <$1MM 1,064 $86,897 $81,670
    Commercial & Industrial, US addressed loans - <$100k 695 $17,820 $25,640
    Commercial & Industrial, US addressed loans - $100-250k 206 $20,322 $98,650
    Commercial & Industrial, US addressed loans - $250k-1MM 163 $48,755 $299,110
    Farmland loans - <$1MM 588 $89,764 $152,660
    Farmland loans - <$100k 197 $8,836 $44,853
    Farmland loans - $100-250k 229 $29,305 $127,969
    Farmland loans - $250k-1MM 162 $51,623 $318,660
    Agriculture operations loans - <$1MM 680 $45,936 $67,553
    Agriculture operations loans - <$100k 460 $11,581 $25,176
    Agriculture operations loans - $100-250k 136 $14,445 $106,213
    Agriculture operations loans - $250k-1MM 84 $19,910 $237,024