Mineola Community Bank S.s.b. Mortgage Rates, Fees & Info

Mineola, TX

LEI: 54930067OMWEWTHVDO95

Tax ID: 75-0440734

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    Mineola Community Bank S.s.b. is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    54

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Mineola Community Bank, S.S.B. 1224 North Pacific Mineola, TX 75773 Full Service Retail $7,787
    Mineola Community Bank, S.S.B. 215 West Broad Mineola, TX 75773 Full Service B&M $87,005
    Mineola Community Bank, S.S.B. 304 S. Main St. Lindale, TX 75771 Full Service B&M $833
    Mineola Community Bank, S.S.B. 415 W. Frank Street Grand Saline, TX 75140 Full Service B&M $39,690
    Mineola Community Bank, S.S.B. 500 South Main Winnsboro, TX 75494 Full Service B&M $32,008

    For 2018, Mineola Community Bank S.s.b. had 5 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $8,412
    Net interest income $6,434
    Total noninterest income $1,385
    Gross Fiduciary activities income $3
    Service charges on deposit accounts $448
    Trading account gains and fees $0
    Additional Noninterest Income $934
    Pre-tax net operating income $971
    Securities gains (or losses, -) $0
    Income before extraordinary items $831
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $831
    Minority interest net income $0
    Net income $831
    Sale, conversion, retirement of capital stock, net $1
    Net operating income $831

    Mineola Community Bank S.s.b.'s gross interest income from loans was $8,412,000.
    Mineola Community Bank S.s.b.'s net interest income from loans was $6,434,000.
    Mineola Community Bank S.s.b.'s fee based income from loans was $448,000.
    Mineola Community Bank S.s.b.'s net income from loans was $831,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,978
    Provision for credit losses $16
    Total noninterest expense $6,832
    Salaries and employee benefits $4,013
    Premises and equipment expense $719
    Additional noninterest expense $2,100
    Applicable income taxes $140
    Net charge-offs $13
    Cash dividends $0

    Mineola Community Bank S.s.b.'s interest expense for loans was $1,978,000.
    Mineola Community Bank S.s.b.'s payroll and benefits expense were $4,013,000.
    Mineola Community Bank S.s.b.'s property, plant and equipment expenses $719,000.

    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 36.0%
    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 $197,749
    Deposits held in domestic offices $197,749
    Deposits by Individuals, partnerships, and corporations $197,749
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $0
    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 $65,726
    Demand deposits $24,482
    Nontransaction accounts $132,023
    Money market deposit accounts (MMDAs) $8,170
    Other savings deposits (excluding MMDAs) $43,912
    Total time deposits $79,941
    Total time and savings deposits $173,267
    Noninterest-bearing deposits $24,481
    Interest-bearing deposits $173,268
    Retail deposits $191,005
    IRAs and Keogh plan accounts $13,916
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $251,705
    Cash & Balances due from depository institutions $18,028
    Interest-bearing balances $13,839
    Total securities $53,288
    Federal funds sold & reverse repurchase $6,476
    Net loans and leases $158,630
    Loan and leases loss allowance $973
    Trading account assets $0
    Bank premises and fixed assets $6,303
    Other real estate owned $24
    Goodwill and other intangibles $948
    All other assets $8,008

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $251,705
    Total Liabilities $222,032
    Total deposits $197,749
    Interest-bearing deposits $173,268
    Deposits held in domestic offices $197,749
    % insured (estimated) $97
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $23,539
    Subordinated debt $0
    All other liabilities $744

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $158,630
    Loan and leases loss allowance $973
    Total loans and leases (domestic) $159,603
    All real estate loans $150,578
    Real estate loans in domestic offices $150,578
    Construction and development loans $9,129
    Residential 1-4 family construction $4,527
    Other construction, all land development and other land $4,602
    Loans secured by nonfarm nonresidential properties $17,413
    Nonfarm nonresidential secured by owner-occupied properties $3,753
    Commercial real estate & other non-farm, non-residential $13,660
    Multifamily residential real estate $437
    1-4 family residential loans $120,249
    Farmland loans $3,350
    Loans held in foreign offices $0
    Farm loans $862
    Commercial and industrial loans $3,579
    To non-U.S. addressees $0
    Loans to individuals $4,220
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $678
    Other loans to individuals $3,542
    All other loans & leases $364
    Loans to foreign governments and official institutions $0
    Other loans $101
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Mineola Community Bank S.S.B. had $158,630,000 of loans outstanding in 2018. $150,578,000 of loans were in real estate loans. $9,129,000 of loans were in development loans. $437,000 of loans were in multifamily mortgage loans. $120,249,000 of loans were in 1-4 family mortgage loans. $862,000 of loans were in farm loans. $0 of loans were in credit card loans. $678,000 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 93 $17,413 $187,237
    Nonfarm, nonresidential loans - <$100k 93 $17,413 $187,237
    Commercial & Industrial, US addressed loans - <$1MM 89 $3,579 $40,213
    Commercial & Industrial, US addressed loans - <$100k 89 $3,579 $40,213
    Farmland loans - <$1MM 11 $907 $82,455
    Farmland loans - <$100k 8 $322 $40,250
    Farmland loans - $100-250k 2 $231 $115,500
    Farmland loans - $250k-1MM 1 $354 $354,000
    Agriculture operations loans - <$1MM 28 $678 $24,214
    Agriculture operations loans - <$100k 27 $476 $17,630
    Agriculture operations loans - $100-250k 1 $202 $202,000