Central Pacific Bank Mortgage Rates, Fees & Info

Honolulu, HI

LEI: 5493005R24FV5DFFXW42

Tax ID: 99-0080213

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
  • Complaints
  • 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

    Central Pacific Bank is a small bank specializing in Refi and Home Purchase loans. Central Pacific Bank 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: Urban Honolulu, Kahului, Hilo, and Kapaa among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Central Pacific Bank 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. Central Pacific Bank is typically an average 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
    Home Equity Line of Credit (HELOC) 6.27% 11/21/24
    30 Year Conventional Purchase 6.18% 11/21/24
    30 Year Conventional Refi 6.29% 11/21/24
    30 Year Cash-out Refi 6.42% 11/21/24
    30 Year VA Purchase 5.67% 11/21/24
    30 Year USDA Purchase 6.33% 11/21/24
    15 Year Conventional Purchase 5.91% 11/21/24
    15 Year Conventional Refi 5.99% 11/21/24
    15 Year Cash-out Refi 5.99% 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.

    Central Pacific Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Central Pacific Bank. 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

    3,155

    Origination Dollar Volume (All Markets)

    $1,348,195,000

    Employee count

    810

    Awards

    Central Pacific Bank 30 Year Conventional Loans silver Central Pacific Bank 30 Year Conventional Loans bronze Central Pacific Bank VA 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
    URBAN HONOLULU, HI (FHA|USDA|VA) 2,626 $1,149,330,000 $437,673 $7,774 2.75%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 247 $102,765,000 $416,053 $8,751 3.03%
    Hilo, HI (FHA|USDA|VA) 207 $66,385,000 $320,700 $5,037 2.92%
    Kapaa, HI (FHA|USDA|VA) 75 $29,715,000 $396,200 $7,145 2.61%
    Central Pacific Bank's top markets include Urban Honolulu, Kahului, Hilo, and Kapaa among others.

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

    • Similar Lenders

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

    HAWAIIAN FINANCIAL
    Similarity Rank: 92
    PACIFIC HOME LOANS, INC.
    Similarity Rank: 112
    ALOHA PACIFIC
    Similarity Rank: 124
    University of Hawaii Federal Credit Union
    Similarity Rank: 204
    American Mortgage and Insurance Inc.
    Similarity Rank: 495
    HAWAII STATE FEDERAL CREDIT UNION
    Similarity Rank: 568
    Territorial Savings Bank
    Similarity Rank: 572
    COMPASS HOME LOANS, LLC
    Similarity Rank: 1005
    American Savings Bank, FSB
    Similarity Rank: 1144
    Central Pacific Bank
    Similarity Rank: 1156

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,876 $969,570,000 $516,828 $7,490 3.09%
    HELOC 1,187 $325,095,000 $273,880 n/a 2.28%
    VA 78 $47,310,000 $606,538 $10,681 2.70%
    FHA 7 $4,115,000 $587,857 $10,790 2.70%
    USDA 7 $2,105,000 $300,714 $8,182 3.07%

    For 2020, Central Pacific Bank's most frequently originated type of loan was Conventional, with 1,876 originations. Their 2nd most popular type was HELOC, with 1,187 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,738 $746,000,000 $429,229 $7,428 2.63%
    Home Purchase 588 $324,610,000 $552,058 $7,029 3.15%
    Cash Out Refi 439 $200,795,000 $457,392 $8,777 3.09%
    Other 200 $41,370,000 $206,850 $4,722 2.52%
    Home Improvement 190 $35,420,000 $186,421 $12,041 2.45%

    For 2020, Central Pacific Bank's most frequently cited loan purpose was Refi, with 1,738 originations. The 2nd most popular reason was Home Purchase, with 588 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,709 $1,171,615,000 $432,490 $8,118 2.77%
    15 Year 308 $112,800,000 $366,234 $5,842 2.62%
    20 Year 91 $32,265,000 $354,560 $6,122 3.20%
    10 Year 24 $15,610,000 $650,417 $5,018 3.11%
    Other 16 $10,530,000 $658,125 $7,415 3.24%
    3 Year 3 $2,415,000 $805,000 $0 4.00%
    1 Year 2 $1,260,000 $630,000 $0 4.25%
    5 Year 2 $1,700,000 $850,000 $0 4.38%

    For 2020, Central Pacific Bank's most frequently cited loan duration was 30 Year, with 2,709 originations. The 2nd most popular length was 15 Year, with 308 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 623 $376,805,000 $604,823
    $<1k 521 $305,475,000 $586,324
    $1k-2k 188 $62,370,000 $331,755
    $2k-3k 181 $71,055,000 $392,569
    $3k-4k 147 $60,775,000 $413,435
    $4k-5k 133 $62,555,000 $470,338

    Central Pacific Bank's average total fees were $8,118, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 623 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,132 $552,160,000 $487,774
    <2.5% 1,117 $366,395,000 $328,017
    2.5-3% 867 $410,695,000 $473,697
    4-5% 37 $18,005,000 $486,622
    5-6% 1 $505,000 $505,000

    During 2020, Central Pacific Bank's average interest rate for loans was 2.77%, while their most frequently originated rate bucket for loans was 3-4%, with 1,132 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,097 $304,905,000 $277,944 $5,658 2.67%
    $400k-600k 722 $354,490,000 $490,983 $8,107 2.89%
    $600k-1MM 583 $432,855,000 $742,461 $9,828 2.88%
    $100k-200k 451 $65,335,000 $144,867 $3,549 2.63%
    $100,000 or less 166 $11,090,000 $66,807 $1,409 2.74%
    $1MM+ 136 $179,520,000 $1,320,000 $11,235 3.13%

    2020 saw Central Pacific Bank place emphasis on $200k-400k loans with 1,097 originations, totaling $304,905,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 846 $392,330,000 $463,747 $8,239 2.69%
    $100k-150k 839 $319,545,000 $380,864 $7,786 2.75%
    $250k+ 473 $321,495,000 $679,693 $9,442 2.84%
    $75k-100k 428 $144,130,000 $336,752 $7,321 2.82%
    $50k-75k 335 $87,215,000 $260,343 $5,944 2.86%
    $50k or less 102 $18,330,000 $179,706 $4,567 2.88%

    Central Pacific Bank lent most frequently to those with incomes in the $150k-250k range, with 846 originations. The second most popular income band? $100k-150k, with 839 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 616 $266,050,000 $431,899 $7,360 2.85%
    30-36% 531 $229,275,000 $431,780 $8,174 2.79%
    49% 310 $96,110,000 $310,032 $6,905 2.44%
    <20% 195 $87,585,000 $449,154 $7,272 2.78%
    41% 148 $65,960,000 $445,676 $7,442 2.85%
    37% 142 $63,710,000 $448,662 $8,496 2.76%
    42% 133 $54,015,000 $406,128 $7,268 2.97%
    36% 121 $56,145,000 $464,008 $7,724 2.78%
    38% 118 $53,150,000 $450,424 $7,048 2.84%
    39% 117 $56,195,000 $480,299 $7,653 2.87%
    40% 116 $51,550,000 $444,397 $7,571 2.77%
    47% 99 $44,365,000 $448,131 $8,750 2.74%
    44% 98 $41,370,000 $422,143 $7,123 2.80%
    43% 97 $41,905,000 $432,010 $6,945 2.84%
    48% 86 $30,400,000 $353,488 $7,830 2.66%
    46% 80 $31,110,000 $388,875 $7,360 2.67%
    45% 72 $31,740,000 $440,833 $7,533 2.89%
    50-60% 28 $17,530,000 $626,071 $10,943 2.78%
    >60% 7 $3,475,000 $496,429 $30,440 2.57%

    Central Pacific Bank lent most frequently to those with DTI ratios of 20-30%, with 616 originations. The next most common DTI ratio? 30-36%, with 531 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 2,026 $828,460,000 $408,914 $7,689 2.74%
    White 627 $301,925,000 $481,539 $7,306 2.89%
    Not provided 233 $104,725,000 $449,464 $8,041 2.80%
    Native Hawaiian or Islander 153 $65,665,000 $429,183 $7,658 2.80%
    Not applicable 14 $12,590,000 $899,286 $0 3.62%
    Black 24 $11,310,000 $471,250 $6,335 3.06%
    Japanese 27 $6,675,000 $247,222 $2,936 2.27%
    American Indian 15 $6,305,000 $420,333 $10,631 2.68%
    Chinese 13 $4,705,000 $361,923 $4,046 2.54%
    Filipino 11 $2,785,000 $253,182 $0 2.18%
    Native Hawaiian 4 $1,290,000 $322,500 $12,054 2.69%
    Other Asian 5 $1,145,000 $229,000 $0 2.20%
    Korean 2 $360,000 $180,000 $0 1.75%
    Vietnamese 1 $255,000 $255,000 $0 2.25%

    Approval Rates

    Total approvals of all applications
    84.32%

    Central Pacific Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    79.65%

    Central Pacific Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,155 $1,348,195,000 $427,320

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 11 $10,025,000 $911,364
    Single Family (1-4 Units):Site-Built 3,144 $1,338,170,000 $425,627

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 628 $172,800,000 $275,159 $5,792 2.53%
    40-60% 673 $295,865,000 $439,621 $7,410 2.79%
    60-80% 1,005 $574,495,000 $571,637 $8,711 2.92%
    80-100% 340 $214,740,000 $631,588 $7,079 3.02%
    Over 100% 16 $9,830,000 $614,375 $16,800 2.88%
    Under 20% 465 $64,975,000 $139,731 $3,072 2.61%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CENTERSTATE BANK CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    CENTERSTATE BANK CORPORATION Conventional home mortgage Trouble during payment process 2 50.0%
    CENTERSTATE BANK CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Central Pacific Bank 1030 Makolu Street Pearl City, HI 96782 Full Service B&M $61,332
    Central Pacific Bank 1173 21st Avenue Honolulu, HI 96816 Full Service Retail $38,869
    Central Pacific Bank 1338 South Beretania Street Honolulu, HI 96814 Full Service B&M $66,367
    Central Pacific Bank 1535 Dillingham Boulevard Honolulu, HI 96817 Full Service B&M $115,911
    Central Pacific Bank 1538 Kapiolani Blvd Suite# 3 Honolulu, HI 96814 Full Service B&M $205,954
    Central Pacific Bank 2002 South King Street Honolulu, HI 96826 Full Service B&M $205,462
    Central Pacific Bank 2024 North King Street Honolulu, HI 96819 Full Service B&M $142,322
    Central Pacific Bank 2061 Wells Street Wailuku, HI 96793 Full Service B&M $125,070
    Central Pacific Bank 207 Piikea Avenue, Suite 6-63 Kihei, HI 96753 Full Service B&M $71,347
    Central Pacific Bank 220 South King Street Honolulu, HI 96813 Full Service B&M $1,410,170
    Central Pacific Bank 2851 East Manoa Road, Suite 1-100 Honolulu, HI 96822 Full Service B&M $30,612
    Central Pacific Bank 333 Seaside Avenue. Suite 160 Honolulu, HI 96815 Full Service B&M $955,356
    Central Pacific Bank 3465 Waialae Avenue Honolulu, HI 96816 Full Service B&M $198,286
    Central Pacific Bank 355 Keawe Street, Suite 401 Lahaina, HI 96761 Full Service B&M $48,671
    Central Pacific Bank 4-1105 Kuhio Highway, Suite 103 Kapaa, HI 96746 Full Service B&M $12,833
    Central Pacific Bank 4211 Waialae Avenue Honolulu, HI 96816 Full Service B&M $148,707
    Central Pacific Bank 4364 Rice Street Lihue, HI 96766 Full Service B&M $125,599
    Central Pacific Bank 46-077 Kamehameha Highway Kaneohe, HI 96744 Full Service B&M $144,959
    Central Pacific Bank 505 Ward Avenue Honolulu, HI 96814 Full Service B&M $66,681
    Central Pacific Bank 525 Kilauea Avenue Hilo, HI 96720 Full Service B&M $175,823
    Central Pacific Bank 6 Hoolai Street Kailua, HI 96734 Full Service B&M $99,426
    Central Pacific Bank 6600 Kalanianaole Highway Honolulu, HI 96825 Full Service B&M $71,487
    Central Pacific Bank 680 Kamokila Boulevard Kapolei, HI 96707 Full Service B&M $71,630
    Central Pacific Bank 75-1010 Henry Street Kailua-Kona, HI 96740 Full Service B&M $82,769
    Central Pacific Bank 801 Kaheka Street Honolulu, HI 96814 Full Service Retail $28,727
    Central Pacific Bank 830 Kapahulu Avenue, Suite 130 Honolulu, HI 96816 Full Service B&M $57,254
    Central Pacific Bank 85 West Kaahumanu Avenue Kahului, HI 96732 Full Service B&M $242,747
    Central Pacific Bank 850 Kamehameha Highway Pearl City, HI 96782 Full Service Retail $37,407
    Central Pacific Bank 91-1107 Keaunui Drive, Suite 300 Ewa Beach, HI 96706 Full Service B&M $26,136
    Central Pacific Bank 935 California Avenue Wahiawa, HI 96786 Full Service B&M $44,382
    Central Pacific Bank 94-210 Pupukahi Street Waipahu, HI 96797 Full Service B&M $95,866
    Central Pacific Bank 94-615 Kupuohi Street, Unit A1 Waipahu, HI 96797 Full Service Retail $41,050
    Central Pacific Bank 95-720 Lanikuhana Avenue Mililani, HI 96789 Full Service B&M $74,209
    Central Pacific Bank 960 Mapunapuna Street Honolulu, HI 96819 Full Service B&M $369,936
    Central Pacific Bank 98-150 Kaonohi Street Aiea, HI 96701 Full Service B&M $109,813

    For 2020, Central Pacific Bank had 35 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $212,418
    Net interest income $199,775
    Total noninterest income $45,703
    Gross Fiduciary activities income $4,829
    Service charges on deposit accounts $6,426
    Trading account gains and fees $0
    Additional Noninterest Income $34,448
    Pre-tax net operating income $52,564
    Securities gains (or losses, -) $-201
    Income before extraordinary items $39,913
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $39,913
    Minority interest net income $-2
    Net income $39,915
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $40,071

    Central Pacific Bank's gross interest income from loans was $212,418,000.
    Central Pacific Bank's net interest income from loans was $199,775,000.
    Central Pacific Bank's fee based income from loans was $6,426,000.
    Central Pacific Bank's net income from loans was $39,915,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,643
    Provision for credit losses $39,117
    Total noninterest expense $153,797
    Salaries and employee benefits $85,101
    Premises and equipment expense $19,693
    Additional noninterest expense $49,003
    Applicable income taxes $12,450
    Net charge-offs $7,198
    Cash dividends $24,015

    Central Pacific Bank's interest expense for loans was $12,643,000.
    Central Pacific Bank's payroll and benefits expense were $85,101,000.
    Central Pacific Bank's property, plant and equipment expenses $19,693,000.

    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 $5,807,188
    Deposits held in domestic offices $5,807,188
    Deposits by Individuals, partnerships, and corporations $5,210,831
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $590,449
    Deposits by Commercial banks and other depository institutions in U.S. $5,904
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $776,910
    Demand deposits $616,619
    Nontransaction accounts $5,030,278
    Money market deposit accounts (MMDAs) $2,466,663
    Other savings deposits (excluding MMDAs) $1,664,697
    Total time deposits $898,918
    Total time and savings deposits $5,190,569
    Noninterest-bearing deposits $1,796,119
    Interest-bearing deposits $4,011,069
    Retail deposits $5,147,482
    IRAs and Keogh plan accounts $41,222
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,590,900
    Cash & Balances due from depository institutions $104,067
    Interest-bearing balances $6,521
    Total securities $1,182,609
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,897,531
    Loan and leases loss allowance $83,269
    Trading account assets $0
    Bank premises and fixed assets $111,135
    Other real estate owned $0
    Goodwill and other intangibles $11,865
    All other assets $283,693

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,590,900
    Total Liabilities $5,955,179
    Total deposits $5,807,188
    Interest-bearing deposits $4,011,069
    Deposits held in domestic offices $5,807,188
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $22,000
    Subordinated debt $0
    All other liabilities $125,991

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,897,531
    Loan and leases loss allowance $83,269
    Total loans and leases (domestic) $4,980,800
    All real estate loans $3,539,900
    Real estate loans in domestic offices $3,539,900
    Construction and development loans $125,407
    Residential 1-4 family construction $45,068
    Other construction, all land development and other land $80,339
    Loans secured by nonfarm nonresidential properties $837,736
    Nonfarm nonresidential secured by owner-occupied properties $237,888
    Commercial real estate & other non-farm, non-residential $599,848
    Multifamily residential real estate $318,509
    1-4 family residential loans $2,258,165
    Farmland loans $83
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $936,299
    To non-U.S. addressees $0
    Loans to individuals $479,434
    Credit card loans $0
    Related Plans $75,004
    Consumer Auto Loans $250,715
    Other loans to individuals $153,715
    All other loans & leases $25,167
    Loans to foreign governments and official institutions $0
    Other loans $25,167
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $39,338
    Loans secured by real estate to non-U.S. addressees $33,622
    Restructured Loans & leases $7,786
    Non 1-4 family restructured loans & leases $2,068
    Total loans and leases (foreign) $0

    Central Pacific Bank had $4,897,531,000 of loans outstanding in 2020. $3,539,900,000 of loans were in real estate loans. $125,407,000 of loans were in development loans. $318,509,000 of loans were in multifamily mortgage loans. $2,258,165,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $250,715,000 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 172 $64,180 $373,140
    Nonfarm, nonresidential loans - <$100k 5 $218 $43,600
    Nonfarm, nonresidential loans - $100-250k 27 $3,970 $147,037
    Nonfarm, nonresidential loans - $250k-1MM 140 $59,992 $428,514
    Commercial & Industrial, US addressed loans - <$1MM 9,342 $470,635 $50,378
    Commercial & Industrial, US addressed loans - <$100k 8,052 $193,466 $24,027
    Commercial & Industrial, US addressed loans - $100-250k 868 $110,724 $127,562
    Commercial & Industrial, US addressed loans - $250k-1MM 422 $166,445 $394,419
    Farmland loans - <$1MM 1 $83 $83,000
    Farmland loans - $250k-1MM 1 $83 $83,000