Adams Bank & Trust Mortgage Rates, Fees & Info

Ogallala, NE

LEI: 54930040GLSEV5H11Q12

Tax ID: 47-0467141

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

    Adams Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Adams Bank & Trust has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: North Platte, Colorado Springs, Fort Collins, Denver, and Greeley among others. We have data for 35 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Adams Bank & Trust 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. Adams Bank & Trust 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.63% 4/18/24
    30 Year Conventional Refi 6.25% 4/18/24
    30 Year Cash-out Refi 6.84% 4/18/24
    30 Year FHA Purchase 7.51% 4/18/24
    30 Year FHA Refi 6.91% 4/18/24
    30 Year VA Purchase 6.30% 4/18/24
    30 Year VA Refi 6.27% 4/18/24
    30 Year USDA Purchase 6.91% 4/18/24
    15 Year Conventional Purchase 7.02% 4/18/24
    15 Year Conventional Refi 6.41% 4/18/24
    15 Year Cash-out Refi 6.41% 4/18/24
    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.

    Adams Bank & Trust Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Adams Bank & Trust. 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

    708

    Origination Dollar Volume (All Markets)

    $159,510,000

    Employee count

    220 Show all (10) 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
    Outside of Metro Areas 263 $39,005,000 $148,308 $2,794 3.54%
    North Platte, NE (FHA|USDA|VA) 175 $23,965,000 $136,943 $2,721 3.19%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 60 $22,830,000 $380,500 $4,195 3.29%
    FORT COLLINS, CO (FHA|USDA|VA) 38 $15,470,000 $407,105 $3,480 3.16%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 34 $11,700,000 $344,118 $3,475 3.08%
    GREELEY, CO (FHA|USDA|VA) 25 $7,665,000 $306,600 $3,047 3.23%
    BOULDER, CO (FHA|USDA|VA) 22 $6,960,000 $316,364 $3,329 3.19%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 16 $6,520,000 $407,500 $5,017 4.48%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 8 $3,710,000 $463,750 $5,493 4.86%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 11 $3,195,000 $290,455 $2,508 3.80%
    Breckenridge, CO (FHA|USDA|VA) 4 $2,660,000 $665,000 $3,793 3.28%
    Garden City, KS (FHA|USDA|VA) 3 $1,925,000 $641,667 $0 4.13%
    Cañon City, CO (FHA|USDA|VA) 3 $1,895,000 $631,667 $6,541 3.65%
    Steamboat Springs, CO (FHA|USDA|VA) 3 $1,695,000 $565,000 $3,565 2.83%
    Scottsbluff, NE (FHA|USDA|VA) 1 $1,315,000 $1,315,000 $0 4.00%
    Columbus, NE (FHA|USDA|VA) 3 $1,275,000 $425,000 $0 4.25%
    Lexington, NE (FHA|USDA|VA) 7 $1,135,000 $162,143 $2,550 2.52%
    Kearney, NE (FHA|USDA|VA) 5 $1,065,000 $213,000 $2,127 3.33%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $890,000 $445,000 $3,168 3.00%
    LINCOLN, NE (FHA|USDA|VA) 6 $800,000 $133,333 $1,856 3.46%
    Hastings, NE (FHA|USDA|VA) 3 $745,000 $248,333 $3,771 2.92%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $365,000 $365,000 $16,789 3.13%
    Sterling, CO (FHA|USDA|VA) 2 $360,000 $180,000 $3,648 2.75%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $345,000 $345,000 $2,572 2.63%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $265,000 $265,000 $12,647 2.75%
    Hays, KS (FHA|USDA|VA) 2 $240,000 $120,000 $3,259 4.25%
    Laramie, WY (FHA|USDA|VA) 1 $215,000 $215,000 $2,959 3.13%
    CHICO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $2,427 4.75%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $205,000 $205,000 $6,626 3.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,248 2.63%
    BOISE CITY, ID (FHA|USDA|VA) 1 $175,000 $175,000 $2,828 2.50%
    Beatrice, NE (FHA|USDA|VA) 1 $155,000 $155,000 $1,825 3.13%
    RAPID CITY, SD (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.50%
    Stillwater, OK (FHA|USDA|VA) 1 $145,000 $145,000 $3,508 4.00%
    CHEYENNE, WY (FHA|USDA|VA) 1 $75,000 $75,000 $2,502 3.38%
    Adams Bank & Trust's top markets include North Platte, Colorado Springs, Fort Collins, Denver, and Greeley among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)

    • Similar Lenders

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

    CENTRIS FEDERAL CREDIT UNION
    Similarity Rank: 44
    Equitable Bank
    Similarity Rank: 75
    West Gate Bank
    Similarity Rank: 855
    The District Federal Credit Union
    Similarity Rank: 882
    AVENTA Credit Union
    Similarity Rank: 930
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1344
    DENVER COMMUNITY
    Similarity Rank: 1540
    Red Rocks Credit Union
    Similarity Rank: 1830
    PRIORITY HOME MORTGAGE, L.P.
    Similarity Rank: 1984
    INFINITY MORTGAGE HOLDINGS, LLC
    Similarity Rank: 2170

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 638 $147,290,000 $230,862 $2,900 3.47%
    FHA 28 $4,070,000 $145,357 $5,588 2.77%
    USDA 24 $3,090,000 $128,750 $4,250 2.71%
    VA 18 $5,060,000 $281,111 $5,591 2.62%

    For 2021, Adams Bank & Trust's most frequently originated type of loan was Conventional, with 638 originations. Their 2nd most popular type was FHA, with 28 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 355 $73,855,000 $208,042 $3,733 3.54%
    Refi 181 $51,275,000 $283,287 $2,671 3.17%
    Cash Out Refi 148 $31,120,000 $210,270 $2,764 3.24%
    Home Improvement 20 $2,710,000 $135,500 $1,669 3.53%
    Other 4 $550,000 $137,500 $1,715 5.06%

    For 2021, Adams Bank & Trust's most frequently cited loan purpose was Home Purchase, with 355 originations. The 2nd most popular reason was Refi, with 181 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 361 $93,575,000 $259,211 $3,549 2.99%
    15 Year 97 $15,045,000 $155,103 $2,433 3.00%
    10 Year 83 $14,485,000 $174,518 $819 3.89%
    Other 79 $16,965,000 $214,747 $2,744 4.08%
    20 Year 41 $6,485,000 $158,171 $2,421 3.56%
    1 Year 32 $11,000,000 $343,750 $4,846 5.44%
    5 Year 15 $1,955,000 $130,333 $534 4.42%

    For 2021, Adams Bank & Trust's most frequently cited loan duration was 30 Year, with 361 originations. The 2nd most popular length was 15 Year, with 97 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 457 $100,825,000 $220,624
    $<1k 62 $4,300,000 $69,355
    $2k-3k 44 $12,560,000 $285,455
    $3k-4k 19 $6,465,000 $340,263
    $4k-5k 9 $5,035,000 $559,444
    $5k+ 9 $6,495,000 $721,667

    Adams Bank & Trust's average total fees were $3,549, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 457 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 218 $50,510,000 $231,697
    3-4% 212 $53,830,000 $253,915
    4-5% 121 $20,735,000 $171,364
    <2.5% 120 $23,140,000 $192,833
    5-6% 33 $11,185,000 $338,939
    7-8% 3 $85,000 $28,333
    6-7% 1 $25,000 $25,000

    During 2021, Adams Bank & Trust's average interest rate for loans was 2.99%, while their most frequently originated rate bucket for loans was 2.5-3%, with 218 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 221 $32,145,000 $145,452 $2,991 3.22%
    $200k-400k 194 $55,940,000 $288,351 $3,552 3.27%
    $100,000 or less 191 $11,305,000 $59,188 $1,975 3.69%
    $400k-600k 78 $37,280,000 $477,949 $4,304 3.29%
    $600k-1MM 16 $12,200,000 $762,500 $5,691 3.77%
    $1MM+ 8 $10,640,000 $1,330,000 $8,465 4.30%

    2021 saw Adams Bank & Trust place emphasis on $100k-200k loans with 221 originations, totaling $32,145,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 139 $22,685,000 $163,201 $2,987 3.21%
    $100k-150k 131 $34,185,000 $260,954 $3,051 3.24%
    $50k or less 122 $12,400,000 $101,639 $2,863 3.39%
    $75k-100k 96 $17,020,000 $177,292 $3,103 3.36%
    $150k-250k 92 $29,300,000 $318,478 $3,459 3.19%
    $250k+ 54 $21,670,000 $401,296 $3,883 3.26%

    Adams Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 139 originations. The second most popular income band? $100k-150k, with 131 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 159 $34,405,000 $216,384 $2,867 3.06%
    30-36% 116 $25,990,000 $224,052 $3,190 3.18%
    <20% 83 $19,575,000 $235,843 $3,316 3.30%
    40% 24 $5,280,000 $220,000 $3,630 3.28%
    44% 24 $5,720,000 $238,333 $2,722 3.39%
    42% 22 $3,580,000 $162,727 $3,045 3.34%
    36% 21 $5,155,000 $245,476 $3,512 3.38%
    41% 19 $4,595,000 $241,842 $3,219 3.12%
    37% 18 $5,070,000 $281,667 $2,781 3.06%
    39% 17 $3,745,000 $220,294 $3,434 3.00%
    38% 17 $3,075,000 $180,882 $2,838 3.18%
    43% 17 $3,655,000 $215,000 $3,191 3.33%
    45% 15 $2,755,000 $183,667 $2,713 2.73%
    47% 10 $2,230,000 $223,000 $2,698 3.01%
    48% 10 $2,150,000 $215,000 $2,968 2.82%
    50-60% 10 $2,120,000 $212,000 $3,934 4.01%
    46% 9 $2,035,000 $226,111 $3,124 3.18%
    49% 8 $2,390,000 $298,750 $6,039 2.83%
    >60% 4 $730,000 $182,500 $2,721 4.56%

    Adams Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 159 originations. The next most common DTI ratio? 30-36%, with 116 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 577 $126,805,000 $219,766 $3,145 3.34%
    Not applicable 55 $17,435,000 $317,000 $0 4.35%
    Not provided 64 $12,110,000 $189,219 $3,083 3.12%
    Asian 6 $1,500,000 $250,000 $5,237 2.96%
    Black 2 $620,000 $310,000 $3,676 3.00%
    American Indian 3 $535,000 $178,333 $2,878 3.08%
    Asian Indian 1 $505,000 $505,000 $0 4.50%

    Approval Rates

    Total approvals of all applications
    88.16%

    Adams Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.90%

    Adams Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 708 $159,510,000 $225,297

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    708 $159,510,000 $225,297

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 84 $17,670,000 $210,357 $2,904 3.99%
    40-60% 116 $29,520,000 $254,483 $2,955 3.23%
    60-80% 257 $68,065,000 $264,844 $3,120 3.43%
    80-100% 209 $41,495,000 $198,541 $3,657 3.14%
    Over 100% 1 $265,000 $265,000 $12,647 2.75%
    Under 20% 41 $2,495,000 $60,854 $714 3.68%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Adams Bank & Trust 10 E Ken Pratt Blvd Longmont, CO 80501 Full Service B&M $41,163
    Adams Bank & Trust 1005 South Range Avenue, Suite 300 Colby, KS 67701 Full Service B&M $26,263
    Adams Bank & Trust 108 South Perkins Avenue Madrid, NE 69150 Full Service B&M $19,255
    Adams Bank & Trust 1201 Lake Avenue Berthoud, CO 80513 Full Service B&M $89,721
    Adams Bank & Trust 121 South Jeffers Street North Platte, NE 69101 Full Service B&M $66,768
    Adams Bank & Trust 131 Walnut Street Sutherland, NE 69165 Full Service B&M $29,690
    Adams Bank & Trust 1310 Garden Of The Gods Road Colorado Springs, CO 80907 Full Service B&M $113,540
    Adams Bank & Trust 148 Remington Street, Suite 101 Fort Collins, CO 80524 Full Service B&M $0
    Adams Bank & Trust 150 Central Avenue Grant, NE 69140 Full Service B&M $42,002
    Adams Bank & Trust 202 State Street Brule, NE 69127 Full Service B&M $19,874
    Adams Bank & Trust 205 North 4th Street Indianola, NE 69034 Full Service B&M $26,947
    Adams Bank & Trust 265 East Cheyenne Mountain Boulevard Colorado Springs, CO 80906 Full Service B&M $0
    Adams Bank & Trust 315 North Spruce Street Ogallala, NE 69153 Full Service B&M $221,280
    Adams Bank & Trust 3221 South Jeffers Street North Platte, NE 69101 Full Service B&M $0
    Adams Bank & Trust 519 West Main Street, Suite B Sterling, CO 80751 Full Service B&M $6,385
    Adams Bank & Trust 545 Broadway Imperial, NE 69033 Full Service B&M $98,274
    Adams Bank & Trust 641 2nd Street Chappell, NE 69129 Full Service B&M $38,264
    Adams Bank & Trust 702 Sheldon Street Lodgepole, NE 69149 Full Service B&M $7,980
    Adams Bank & Trust 7800 South College Avenue Fort Collins, CO 80525 Full Service B&M $75,550
    Adams Bank & Trust 8308 Colorado Blvd Firestone, CO 80520 Full Service B&M $48,915

    For 2021, Adams Bank & Trust had 20 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $49,327
    Net interest income $45,712
    Total noninterest income $9,381
    Gross Fiduciary activities income $889
    Service charges on deposit accounts $1,592
    Trading account gains and fees $0
    Additional Noninterest Income $6,900
    Pre-tax net operating income $20,607
    Securities gains (or losses, -) $-1,433
    Income before extraordinary items $15,421
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,421
    Minority interest net income $0
    Net income $15,421
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $16,567

    Adams Bank & Trust's gross interest income from loans was $49,327,000.
    Adams Bank & Trust's net interest income from loans was $45,712,000.
    Adams Bank & Trust's fee based income from loans was $1,592,000.
    Adams Bank & Trust's net income from loans was $15,421,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,615
    Provision for credit losses $338
    Total noninterest expense $34,148
    Salaries and employee benefits $21,199
    Premises and equipment expense $3,049
    Additional noninterest expense $9,900
    Applicable income taxes $3,753
    Net charge-offs $-91
    Cash dividends $6,000

    Adams Bank & Trust's interest expense for loans was $3,615,000.
    Adams Bank & Trust's payroll and benefits expense were $21,199,000.
    Adams Bank & Trust's property, plant and equipment expenses $3,049,000.

    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 $1,040,636
    Deposits held in domestic offices $1,040,636
    Deposits by Individuals, partnerships, and corporations $848,993
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $186,253
    Deposits by Commercial banks and other depository institutions in U.S. $5,390
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $249,722
    Demand deposits $193,686
    Nontransaction accounts $790,914
    Money market deposit accounts (MMDAs) $287,276
    Other savings deposits (excluding MMDAs) $286,225
    Total time deposits $217,413
    Total time and savings deposits $846,950
    Noninterest-bearing deposits $219,958
    Interest-bearing deposits $820,678
    Retail deposits $986,646
    IRAs and Keogh plan accounts $19,793
    Brokered deposits $2,000
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,181,623
    Cash & Balances due from depository institutions $111,313
    Interest-bearing balances $96,716
    Total securities $299,243
    Federal funds sold & reverse repurchase $0
    Net loans and leases $734,497
    Loan and leases loss allowance $12,996
    Trading account assets $0
    Bank premises and fixed assets $15,496
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $21,074

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,181,623
    Total Liabilities $1,073,038
    Total deposits $1,040,636
    Interest-bearing deposits $820,678
    Deposits held in domestic offices $1,040,636
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $27,000
    Subordinated debt $0
    All other liabilities $5,402

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $734,497
    Loan and leases loss allowance $12,996
    Total loans and leases (domestic) $747,493
    All real estate loans $523,538
    Real estate loans in domestic offices $523,538
    Construction and development loans $53,534
    Residential 1-4 family construction $16,900
    Other construction, all land development and other land $36,634
    Loans secured by nonfarm nonresidential properties $245,967
    Nonfarm nonresidential secured by owner-occupied properties $129,328
    Commercial real estate & other non-farm, non-residential $116,639
    Multifamily residential real estate $21,874
    1-4 family residential loans $114,949
    Farmland loans $87,214
    Loans held in foreign offices $0
    Farm loans $125,792
    Commercial and industrial loans $79,685
    To non-U.S. addressees $0
    Loans to individuals $12,839
    Credit card loans $0
    Related Plans $1,037
    Consumer Auto Loans $6,208
    Other loans to individuals $5,594
    All other loans & leases $5,639
    Loans to foreign governments and official institutions $0
    Other loans $3,165
    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 $687
    Non 1-4 family restructured loans & leases $655
    Total loans and leases (foreign) $0

    Adams Bank & Trust had $734,497,000 of loans outstanding in 2021. $523,538,000 of loans were in real estate loans. $53,534,000 of loans were in development loans. $21,874,000 of loans were in multifamily mortgage loans. $114,949,000 of loans were in 1-4 family mortgage loans. $125,792,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,208,000 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 364 $80,184 $220,286
    Nonfarm, nonresidential loans - <$100k 106 $4,083 $38,519
    Nonfarm, nonresidential loans - $100-250k 104 $13,430 $129,135
    Nonfarm, nonresidential loans - $250k-1MM 154 $62,671 $406,955
    Commercial & Industrial, US addressed loans - <$1MM 753 $50,539 $67,117
    Commercial & Industrial, US addressed loans - <$100k 589 $16,177 $27,465
    Commercial & Industrial, US addressed loans - $100-250k 102 $11,382 $111,588
    Commercial & Industrial, US addressed loans - $250k-1MM 62 $22,980 $370,645
    Farmland loans - <$1MM 196 $30,584 $156,041
    Farmland loans - <$100k 57 $2,199 $38,579
    Farmland loans - $100-250k 76 $9,898 $130,237
    Farmland loans - $250k-1MM 63 $18,487 $293,444
    Agriculture operations loans - <$1MM 784 $79,677 $101,629
    Agriculture operations loans - <$100k 547 $24,514 $44,815
    Agriculture operations loans - $100-250k 158 $26,991 $170,829
    Agriculture operations loans - $250k-1MM 79 $28,172 $356,608