Citizens Bank Of Amsterdam Mortgage Rates, Fees & Info

Butler, MO

LEI: 54930023OB56DYOL3G92

Tax ID: 44-0200030

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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

    Citizens Bank Of Amsterdam is a smaller bank specializing in Refi and Home Purchase loans. Citizens Bank Of Amsterdam has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Pittsburg, Springfield, and Joplin among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Bank Of Amsterdam 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.

    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

    95

    Origination Dollar Volume (All Markets)

    $13,105,000

    Employee count

    42

    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
    KANSAS CITY, MO-KS (FHA|USDA|VA) 67 $8,935,000 $133,358 $0 0.00%
    Outside of Metro Areas 24 $2,850,000 $118,750 $0 0.00%
    Pittsburg, KS (FHA|USDA|VA) 2 $1,020,000 $510,000 $0 0.00%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
    JOPLIN, MO (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    Citizens Bank Of Amsterdam's top markets include Kansas City, Pittsburg, Springfield, and Joplin among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 95 $13,105,000 $137,947 $0 0.00%

    For 2020, Citizens Bank Of Amsterdam's most frequently originated type of loan was Conventional, with 95 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 59 $9,635,000 $163,305 $0 0.00%
    Home Purchase 29 $3,235,000 $111,552 $0 0.00%
    Home Improvement 4 $80,000 $20,000 $0 0.00%
    Other 3 $155,000 $51,667 $0 0.00%

    For 2020, Citizens Bank Of Amsterdam's most frequently cited loan purpose was Refi, with 59 originations. The 2nd most popular reason was Home Purchase, with 29 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 95 $13,105,000 $137,947 $0 0.00%

    For 2020, Citizens Bank Of Amsterdam's most frequently cited loan duration was Other, with 95 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 47 $2,035,000 $43,298 $0 0.00%
    $100k-200k 26 $3,700,000 $142,308 $0 0.00%
    $200k-400k 18 $4,930,000 $273,889 $0 0.00%
    $400k-600k 2 $850,000 $425,000 $0 0.00%
    $600k-1MM 2 $1,590,000 $795,000 $0 0.00%

    2020 saw Citizens Bank Of Amsterdam place emphasis on $100,000 or less loans with 47 originations, totaling $2,035,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 26 $1,620,000 $62,308 $0 0.00%
    $50k-75k 18 $2,430,000 $135,000 $0 0.00%
    $100k-150k 15 $2,625,000 $175,000 $0 0.00%
    $75k-100k 12 $1,290,000 $107,500 $0 0.00%
    $150k-250k 7 $1,695,000 $242,143 $0 0.00%
    $250k+ 1 $355,000 $355,000 $0 0.00%

    Citizens Bank Of Amsterdam lent most frequently to those with incomes in the $50k or less range, with 26 originations. The second most popular income band? $50k-75k, with 18 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 95 $13,105,000 $137,947 $0 0.00%

    Citizens Bank Of Amsterdam lent most frequently to those with DTI ratios of Exempt%, with 95 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 83 $10,895,000 $131,265 $0 0.00%
    Not applicable 11 $2,165,000 $196,818 $0 0.00%
    American Indian 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    89.92%

    Citizens Bank Of Amsterdam has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.37%

    Citizens Bank Of Amsterdam has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 95 $13,105,000 $137,947

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $625,000 $625,000
    Single Family (1-4 Units):Manufactured 6 $310,000 $51,667
    Single Family (1-4 Units):Site-Built 88 $12,170,000 $138,295

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 35 12.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 13 4.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Credit monitoring or identity theft protection services 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 5 1.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 26 9.5%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 109 39.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 8 2.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 20 7.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.5%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 11 4.0%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 4 1.5%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Bank 105 Old Highway 71 Adrian, MO 64720 Full Service B&M $11,958
    Citizens Bank 13150 Nw Main St. Amsterdam, MO 64723 Full Service B&M $7,517
    Citizens Bank 134 South Main Liberal, MO 64762 Full Service B&M $15,006
    Citizens Bank 19 S. Orange Street Butler, MO 64730 Full Service B&M $27,169
    Citizens Bank 218 South Second Street Drexel, MO 64742 Full Service B&M $13,131
    Citizens Bank 2205 S. Main St Fort Scott, KS 66701 Full Service B&M $3,577
    Citizens Bank 306 East Main Street Cleveland, MO 64734 Full Service B&M $15,945
    Citizens Bank 601 Main Street Mindenmines, MO 64769 Full Service B&M $16,724
    Citizens Bank 606 East Walnut Rich Hill, MO 64779 Full Service B&M $28,518
    Citizens Bank Fifth And Osage Avenue Rockville, MO 64780 Full Service B&M $4,957
    Citizens Bank Main Street Hume, MO 64752 Full Service B&M $8,914

    For 2020, Citizens Bank Of Amsterdam had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $7,669
    Net interest income $6,855
    Total noninterest income $707
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $199
    Trading account gains and fees $0
    Additional Noninterest Income $508
    Pre-tax net operating income $2,525
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,525
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,525
    Minority interest net income $0
    Net income $2,525
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,525

    Citizens Bank Of Amsterdam's gross interest income from loans was $7,669,000.
    Citizens Bank Of Amsterdam's net interest income from loans was $6,855,000.
    Citizens Bank Of Amsterdam's fee based income from loans was $199,000.
    Citizens Bank Of Amsterdam's net income from loans was $2,525,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $814
    Provision for credit losses $207
    Total noninterest expense $4,830
    Salaries and employee benefits $2,620
    Premises and equipment expense $733
    Additional noninterest expense $1,477
    Applicable income taxes $0
    Net charge-offs $-43
    Cash dividends $2,410

    Citizens Bank Of Amsterdam's interest expense for loans was $814,000.
    Citizens Bank Of Amsterdam's payroll and benefits expense were $2,620,000.
    Citizens Bank Of Amsterdam's property, plant and equipment expenses $733,000.

    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 0.0%
    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 $163,897
    Deposits held in domestic offices $163,897
    Deposits by Individuals, partnerships, and corporations $137,398
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $26,499
    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 $89,995
    Demand deposits $54,539
    Nontransaction accounts $73,902
    Money market deposit accounts (MMDAs) $11,564
    Other savings deposits (excluding MMDAs) $26,856
    Total time deposits $35,481
    Total time and savings deposits $109,358
    Noninterest-bearing deposits $54,175
    Interest-bearing deposits $109,722
    Retail deposits $159,638
    IRAs and Keogh plan accounts $1,803
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $178,001
    Cash & Balances due from depository institutions $17,538
    Interest-bearing balances $12,606
    Total securities $3,030
    Federal funds sold & reverse repurchase $23,884
    Net loans and leases $121,976
    Loan and leases loss allowance $1,187
    Trading account assets $0
    Bank premises and fixed assets $5,812
    Other real estate owned $922
    Goodwill and other intangibles $578
    All other assets $4,261

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $178,000
    Total Liabilities $164,004
    Total deposits $163,897
    Interest-bearing deposits $109,722
    Deposits held in domestic offices $163,897
    % insured (estimated) $85
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $107

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $121,976
    Loan and leases loss allowance $1,187
    Total loans and leases (domestic) $123,163
    All real estate loans $96,875
    Real estate loans in domestic offices $96,875
    Construction and development loans $2,908
    Residential 1-4 family construction $2,150
    Other construction, all land development and other land $758
    Loans secured by nonfarm nonresidential properties $17,115
    Nonfarm nonresidential secured by owner-occupied properties $13,634
    Commercial real estate & other non-farm, non-residential $3,481
    Multifamily residential real estate $1,751
    1-4 family residential loans $42,190
    Farmland loans $32,911
    Loans held in foreign offices $0
    Farm loans $6,177
    Commercial and industrial loans $16,765
    To non-U.S. addressees $0
    Loans to individuals $3,330
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2,237
    Other loans to individuals $1,093
    All other loans & leases $16
    Loans to foreign governments and official institutions $0
    Other loans $16
    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 $2
    Non 1-4 family restructured loans & leases $2
    Total loans and leases (foreign) $0

    Citizens Bank of Amsterdam had $121,976,000 of loans outstanding in 2020. $96,875,000 of loans were in real estate loans. $2,908,000 of loans were in development loans. $1,751,000 of loans were in multifamily mortgage loans. $42,190,000 of loans were in 1-4 family mortgage loans. $6,177,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,237,000 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 119 $15,213 $127,840
    Nonfarm, nonresidential loans - <$100k 66 $2,019 $30,591
    Nonfarm, nonresidential loans - $100-250k 27 $3,526 $130,593
    Nonfarm, nonresidential loans - $250k-1MM 26 $9,668 $371,846
    Commercial & Industrial, US addressed loans - <$1MM 240 $12,160 $50,667
    Commercial & Industrial, US addressed loans - <$100k 199 $4,092 $20,563
    Commercial & Industrial, US addressed loans - $100-250k 24 $2,487 $103,625
    Commercial & Industrial, US addressed loans - $250k-1MM 17 $5,581 $328,294
    Farmland loans - <$1MM 188 $21,331 $113,463
    Farmland loans - <$100k 81 $3,088 $38,123
    Farmland loans - $100-250k 69 $8,067 $116,913
    Farmland loans - $250k-1MM 38 $10,176 $267,789
    Agriculture operations loans - <$1MM 190 $5,820 $30,632
    Agriculture operations loans - <$100k 166 $3,310 $19,940
    Agriculture operations loans - $100-250k 19 $1,676 $88,211
    Agriculture operations loans - $250k-1MM 5 $834 $166,800