Citizens Bank Of Amsterdam Mortgage Rates, Fees & Info

Butler, MO

LEI: 54930023OB56DYOL3G92

Tax ID: 44-0200030

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Mortgage Data

Bank Data

Review & Overview

Citizens Bank Of Amsterdam is a smaller bank specializing in Home Purchase and Refi loans. Citizens Bank Of Amsterdam has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Emporia, and Pittsburg among others. We have data for 4 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.

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Originations

94

Origination Dollar Volume (All Markets)

$11,350,000

Employee count

41

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) 59 $7,625,000 $129,237 $0 0.00%
Outside of Metro Areas 32 $3,500,000 $109,375 $0 0.00%
Emporia, KS (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
Pittsburg, KS (FHA|USDA|VA) 2 $90,000 $45,000 $0 0.00%
Citizens Bank Of Amsterdam's top markets include Kansas City, Emporia, and Pittsburg 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 94 $11,350,000 $120,745 $0 0.00%

    For 2021, Citizens Bank Of Amsterdam's most frequently originated type of loan was Conventional, with 94 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 46 $5,000,000 $108,696 $0 0.00%
    Refi 45 $6,235,000 $138,556 $0 0.00%
    Home Improvement 3 $115,000 $38,333 $0 0.00%

    For 2021, Citizens Bank Of Amsterdam's most frequently cited loan purpose was Home Purchase, with 46 originations. The 2nd most popular reason was Refi, with 45 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 94 $11,350,000 $120,745 $0 0.00%

    For 2021, Citizens Bank Of Amsterdam's most frequently cited loan duration was Other, with 94 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 45 $2,175,000 $48,333 $0 0.00%
    $100k-200k 32 $4,490,000 $140,313 $0 0.00%
    $200k-400k 15 $3,735,000 $249,000 $0 0.00%
    $400k-600k 2 $950,000 $475,000 $0 0.00%

    2021 saw Citizens Bank Of Amsterdam place emphasis on $100,000 or less loans with 45 originations, totaling $2,175,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 29 $1,865,000 $64,310 $0 0.00%
    $75k-100k 17 $2,605,000 $153,235 $0 0.00%
    $50k-75k 15 $1,595,000 $106,333 $0 0.00%
    $100k-150k 14 $2,440,000 $174,286 $0 0.00%
    $250k+ 3 $1,055,000 $351,667 $0 0.00%
    $150k-250k 2 $270,000 $135,000 $0 0.00%

    Citizens Bank Of Amsterdam lent most frequently to those with incomes in the $50k or less range, with 29 originations. The second most popular income band? $75k-100k, with 17 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 94 $11,350,000 $120,745 $0 0.00%

    Citizens Bank Of Amsterdam lent most frequently to those with DTI ratios of Exempt%, with 94 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 80 $9,860,000 $123,250 $0 0.00%
    Not applicable 13 $1,435,000 $110,385 $0 0.00%
    Black 1 $55,000 $55,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    82.54%

    Citizens Bank Of Amsterdam has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    89.36%

    Citizens Bank Of Amsterdam has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 94 $11,350,000 $120,745

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    94 $11,350,000 $120,745

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Bank 105 Old Highway 71 Adrian, MO 64720 Full Service B&M $13,983
    Citizens Bank 13150 Nw Main St. Amsterdam, MO 64723 Full Service B&M $7,494
    Citizens Bank 134 South Main Liberal, MO 64762 Full Service B&M $14,706
    Citizens Bank 19 S. Orange Street Butler, MO 64730 Full Service B&M $33,833
    Citizens Bank 218 South Second Street Drexel, MO 64742 Full Service B&M $13,304
    Citizens Bank 2205 S. Main St Fort Scott, KS 66701 Full Service B&M $4,949
    Citizens Bank 306 East Main Street Cleveland, MO 64734 Full Service B&M $20,181
    Citizens Bank 601 Main Street Mindenmines, MO 64769 Full Service B&M $16,750
    Citizens Bank 606 East Walnut Rich Hill, MO 64779 Full Service B&M $33,525
    Citizens Bank Fifth And Osage Avenue Rockville, MO 64780 Full Service B&M $7,227
    Citizens Bank Main Street Hume, MO 64752 Full Service B&M $10,431

    For 2021, Citizens Bank Of Amsterdam had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $7,717
    Net interest income $7,082
    Total noninterest income $906
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $193
    Trading account gains and fees $0
    Additional Noninterest Income $713
    Pre-tax net operating income $2,823
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,823
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,823
    Minority interest net income $0
    Net income $2,823
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,823

    Citizens Bank Of Amsterdam's gross interest income from loans was $7,717,000.
    Citizens Bank Of Amsterdam's net interest income from loans was $7,082,000.
    Citizens Bank Of Amsterdam's fee based income from loans was $193,000.
    Citizens Bank Of Amsterdam's net income from loans was $2,823,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $635
    Provision for credit losses $72
    Total noninterest expense $5,093
    Salaries and employee benefits $2,935
    Premises and equipment expense $700
    Additional noninterest expense $1,458
    Applicable income taxes $0
    Net charge-offs $26
    Cash dividends $2,500

    Citizens Bank Of Amsterdam's interest expense for loans was $635,000.
    Citizens Bank Of Amsterdam's payroll and benefits expense were $2,935,000.
    Citizens Bank Of Amsterdam's property, plant and equipment expenses $700,000.

    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 $174,339
    Deposits held in domestic offices $174,339
    Deposits by Individuals, partnerships, and corporations $146,884
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $27,455
    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 $96,286
    Demand deposits $59,402
    Nontransaction accounts $78,053
    Money market deposit accounts (MMDAs) $11,703
    Other savings deposits (excluding MMDAs) $32,234
    Total time deposits $34,116
    Total time and savings deposits $114,937
    Noninterest-bearing deposits $59,026
    Interest-bearing deposits $115,313
    Retail deposits $169,703
    IRAs and Keogh plan accounts $4,021
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $188,764
    Cash & Balances due from depository institutions $15,693
    Interest-bearing balances $12,110
    Total securities $11,376
    Federal funds sold & reverse repurchase $24,886
    Net loans and leases $125,179
    Loan and leases loss allowance $1,233
    Trading account assets $0
    Bank premises and fixed assets $6,030
    Other real estate owned $606
    Goodwill and other intangibles $483
    All other assets $4,511

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $188,764
    Total Liabilities $174,478
    Total deposits $174,339
    Interest-bearing deposits $115,313
    Deposits held in domestic offices $174,339
    % insured (estimated) $85
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $139

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $125,179
    Loan and leases loss allowance $1,233
    Total loans and leases (domestic) $126,412
    All real estate loans $105,192
    Real estate loans in domestic offices $105,192
    Construction and development loans $5,807
    Residential 1-4 family construction $4,315
    Other construction, all land development and other land $1,492
    Loans secured by nonfarm nonresidential properties $19,160
    Nonfarm nonresidential secured by owner-occupied properties $14,601
    Commercial real estate & other non-farm, non-residential $4,559
    Multifamily residential real estate $486
    1-4 family residential loans $40,499
    Farmland loans $39,240
    Loans held in foreign offices $0
    Farm loans $6,061
    Commercial and industrial loans $11,648
    To non-U.S. addressees $0
    Loans to individuals $3,487
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2,413
    Other loans to individuals $1,074
    All other loans & leases $25
    Loans to foreign governments and official institutions $0
    Other loans $25
    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 $26
    Non 1-4 family restructured loans & leases $26
    Total loans and leases (foreign) $0

    Citizens Bank of Amsterdam had $125,179,000 of loans outstanding in 2021. $105,192,000 of loans were in real estate loans. $5,807,000 of loans were in development loans. $486,000 of loans were in multifamily mortgage loans. $40,499,000 of loans were in 1-4 family mortgage loans. $6,061,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,413,000 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 116 $17,482 $150,707
    Nonfarm, nonresidential loans - <$100k 55 $1,730 $31,455
    Nonfarm, nonresidential loans - $100-250k 33 $4,521 $137,000
    Nonfarm, nonresidential loans - $250k-1MM 28 $11,231 $401,107
    Commercial & Industrial, US addressed loans - <$1MM 147 $7,579 $51,558
    Commercial & Industrial, US addressed loans - <$100k 120 $2,617 $21,808
    Commercial & Industrial, US addressed loans - $100-250k 15 $1,468 $97,867
    Commercial & Industrial, US addressed loans - $250k-1MM 12 $3,494 $291,167
    Farmland loans - <$1MM 197 $21,873 $111,030
    Farmland loans - <$100k 82 $2,579 $31,451
    Farmland loans - $100-250k 79 $9,455 $119,684
    Farmland loans - $250k-1MM 36 $9,839 $273,306
    Agriculture operations loans - <$1MM 180 $5,423 $30,128
    Agriculture operations loans - <$100k 161 $3,402 $21,130
    Agriculture operations loans - $100-250k 17 $1,482 $87,176
    Agriculture operations loans - $250k-1MM 2 $539 $269,500