The Seymour Bank Mortgage Rates, Fees & Info

Seymour, MO

LEI: 5493007TX73PE04VDT88

Tax ID: 44-0428455

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

The Seymour Bank is a smaller bank specializing in various types of mortgages.

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.

Originations

Origination Dollar Volume (All Markets)

Employee count

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
The Seymour Bank	101 West Jefferson Street Marshfield, MO 65706	Full Service B&M	$37,740
The Seymour Bank	110 Dempsey Drive Rogersville, MO 65742	Full Service B&M	$30,132
The Seymour Bank	119 N. Main St Seymour, MO 65746	Full Service B&M	$109,165

For 2021, The Seymour Bank had 3 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$7,367
Net interest income	$6,341
Total noninterest income	$1,368
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$201
Trading account gains and fees	$0
Additional Noninterest Income	$1,167
Pre-tax net operating income	$2,328
Securities gains (or losses, -)	$119
Income before extraordinary items	$2,060
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$2,060
Minority interest net income	$0
Net income	$2,060
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$1,960

The Seymour Bank's gross interest income from loans was $7,367,000.
The Seymour Bank's net interest income from loans was $6,341,000.
The Seymour Bank's fee based income from loans was $201,000.
The Seymour Bank's net income from loans was $2,060,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$1,026
Provision for credit losses	$-149
Total noninterest expense	$5,530
Salaries and employee benefits	$3,039
Premises and equipment expense	$902
Additional noninterest expense	$1,589
Applicable income taxes	$387
Net charge-offs	$-6
Cash dividends	$300

The Seymour Bank's interest expense for loans was $1,026,000.
The Seymour Bank's payroll and benefits expense were $3,039,000.
The Seymour Bank's property, plant and equipment expenses $902,000.

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	$195,224
Deposits held in domestic offices	$195,224
Deposits by Individuals, partnerships, and corporations	$143,554
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$51,436
Deposits by Commercial banks and other depository institutions in U.S.	$234
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$74,362
Demand deposits	$43,719
Nontransaction accounts	$120,862
Money market deposit accounts (MMDAs)	$56,915
Other savings deposits (excluding MMDAs)	$24,554
Total time deposits	$39,393
Total time and savings deposits	$151,505
Noninterest-bearing deposits	$42,452
Interest-bearing deposits	$152,772
Retail deposits	$187,265
IRAs and Keogh plan accounts	$0
Brokered deposits	$3,435
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$216,273
Cash & Balances due from depository institutions	$20,153
Interest-bearing balances	$18,633
Total securities	$76,723
Federal funds sold & reverse repurchase	$8,166
Net loans and leases	$105,048
Loan and leases loss allowance	$1,041
Trading account assets	$0
Bank premises and fixed assets	$3,867
Other real estate owned	$496
Goodwill and other intangibles	$0
All other assets	$1,820

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$216,273
Total Liabilities	$195,575
Total deposits	$195,224
Interest-bearing deposits	$152,772
Deposits held in domestic offices	$195,224
% insured (estimated)	$71
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$351

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$105,048
Loan and leases loss allowance	$1,041
Total loans and leases (domestic)	$106,089
All real estate loans	$88,840
Real estate loans in domestic offices	$88,840
Construction and development loans	$3,590
Residential 1-4 family construction	$3,590
Other construction, all land development and other land	$0
Loans secured by nonfarm nonresidential properties	$16,552
Nonfarm nonresidential secured by owner-occupied properties	$5,820
Commercial real estate & other non-farm, non-residential	$10,732
Multifamily residential real estate	$581
1-4 family residential loans	$36,110
Farmland loans	$32,007
Loans held in foreign offices	$0
Farm loans	$2,726
Commercial and industrial loans	$5,723
To non-U.S. addressees	$0
Loans to individuals	$8,515
Credit card loans	$0
Related Plans	$0
Consumer Auto Loans	$3,400
Other loans to individuals	$5,115
All other loans & leases	$285
Loans to foreign governments and official institutions	$0
Other loans	$0
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	$351
Non 1-4 family restructured loans & leases	$67
Total loans and leases (foreign)	$0

The Seymour Bank had $105,048,000 of loans outstanding in 2021. $88,840,000 of loans were in real estate loans. $3,590,000 of loans were in development loans. $581,000 of loans were in multifamily mortgage loans. $36,110,000 of loans were in 1-4 family mortgage loans. $2,726,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,400,000 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	118	$14,383	$121,890
Nonfarm, nonresidential loans - <$100k	77	$2,696	$35,013
Nonfarm, nonresidential loans - $100-250k	22	$3,658	$166,273
Nonfarm, nonresidential loans - $250k-1MM	19	$8,029	$422,579
Commercial & Industrial, US addressed loans - <$1MM	107	$5,723	$53,486
Commercial & Industrial, US addressed loans - <$100k	90	$2,496	$27,733
Commercial & Industrial, US addressed loans - $100-250k	10	$1,578	$157,800
Commercial & Industrial, US addressed loans - $250k-1MM	7	$1,649	$235,571
Farmland loans - <$1MM	357	$32,007	$89,655
Farmland loans - <$100k	357	$32,007	$89,655
Agriculture operations loans - <$1MM	155	$2,726	$17,587
Agriculture operations loans - <$100k	155	$2,726	$17,587