Verabank Mortgage Rates, Fees & Info

Henderson, TX

LEI: 54930087FQP1S845Z665

Tax ID: 75-0187835

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

    Verabank is a smaller bank specializing in Home Purchase loans. Verabank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Longview, Tyler, Athens, Dallas, and Lufkin among others. We have data for 29 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Verabank 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. Verabank 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 6.54% 12/16/24
    30 Year Conventional Refi 6.52% 12/16/24
    30 Year Cash-out Refi 6.69% 12/16/24
    30 Year VA Purchase 6.29% 12/16/24
    30 Year USDA Purchase 7.03% 12/16/24
    15 Year Conventional Purchase 5.80% 12/16/24
    15 Year Conventional Refi 6.25% 12/16/24
    15 Year Cash-out Refi 6.25% 12/16/24
    15 Year FHA Purchase 5.68% 12/16/24
    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.

    Verabank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Verabank. 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

    572

    Origination Dollar Volume (All Markets)

    $96,460,000

    Employee count

    473

    Awards

    VeraBank 30 Year Conventional Loans bronze VeraBank 30 Year Conventional Loans bronze VeraBank 30 Year Conventional 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
    LONGVIEW, TX (FHA|USDA|VA) 194 $28,300,000 $145,876 $2,349 5.24%
    TYLER, TX (FHA|USDA|VA) 93 $16,675,000 $179,301 $2,838 5.16%
    Athens, TX (FHA|USDA|VA) 54 $9,530,000 $176,481 $2,432 5.42%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $6,315,000 $701,667 $11,170 5.38%
    Lufkin, TX (FHA|USDA|VA) 30 $4,600,000 $153,333 $3,588 5.14%
    Palestine, TX (FHA|USDA|VA) 34 $4,550,000 $133,824 $3,086 5.27%
    Corsicana, TX (FHA|USDA|VA) 37 $4,385,000 $118,514 $1,876 5.54%
    Outside of Metro Areas 32 $3,590,000 $112,188 $2,870 5.40%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 7 $3,015,000 $430,714 $2,034 4.56%
    Mount Pleasant, TX (FHA|USDA|VA) 21 $2,925,000 $139,286 $2,753 5.67%
    Huntsville, TX (FHA|USDA|VA) 13 $2,705,000 $208,077 $2,384 5.18%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 13 $1,975,000 $151,923 $2,938 5.37%
    Jacksonville, TX (FHA|USDA|VA) 7 $1,395,000 $199,286 $2,212 4.87%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 8 $1,230,000 $153,750 $3,382 5.23%
    Big Spring, TX (FHA|USDA|VA) 1 $1,195,000 $1,195,000 $0 5.50%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $670,000 $167,500 $2,548 5.33%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $665,000 $665,000 $0 6.00%
    MIDLAND, TX (FHA|USDA|VA) 2 $520,000 $260,000 $0 5.50%
    SANTA FE, NM (FHA|USDA|VA) 1 $505,000 $505,000 $4,613 4.18%
    LUBBOCK, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,837 4.88%
    Fredericksburg, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,779 4.88%
    Pecos, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.85%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,166 4.93%
    Sulphur Springs, TX (FHA|USDA|VA) 2 $150,000 $75,000 $2,448 5.60%
    ODESSA, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.50%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $125,000 $125,000 $2,710 4.88%
    Bay City, TX (FHA|USDA|VA) 1 $125,000 $125,000 $2,809 4.38%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $105,000 $105,000 $2,856 5.38%
    Stillwater, OK (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.86%
    Verabank's top markets include Longview, Tyler, Athens, Dallas, and Lufkin among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)

    • Similar Lenders

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

    EAST TEXAS PROFESSIONAL Credit Union
    Similarity Rank: 96
    AB COMMUNITY INVESTMENT COMPANY
    Similarity Rank: 111
    Gilmer National Bank Gilmer Texas
    Similarity Rank: 135
    Community Bank
    Similarity Rank: 152
    NEIGHBORHOOD
    Similarity Rank: 200
    KELLY COMMUNITY FEDERAL CREDIT UNION
    Similarity Rank: 224
    CORNERSTONE MORTGAGE PROVIDERS
    Similarity Rank: 291
    Cooperative Teachers Credit Union
    Similarity Rank: 333
    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 386
    The Bank & Trust of Bryan/College Station
    Similarity Rank: 396

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 565 $95,445,000 $168,929 $2,699 5.28%
    USDA 6 $750,000 $125,000 $4,468 4.69%
    VA 1 $265,000 $265,000 $4,715 4.38%

    For 2018, Verabank's most frequently originated type of loan was Conventional, with 565 originations. Their 2nd most popular type was USDA, with 6 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 404 $76,720,000 $189,901 $3,119 5.20%
    Refi 93 $13,385,000 $143,925 $2,019 5.30%
    Home Improvement 55 $4,025,000 $73,182 $1,352 5.69%
    Other 11 $1,045,000 $95,000 $1,368 6.21%
    Cash Out Refi 8 $1,170,000 $146,250 $3,742 4.84%
    NA 1 $115,000 $115,000 $3,115 4.75%

    For 2018, Verabank's most frequently cited loan purpose was Home Purchase, with 404 originations. The 2nd most popular reason was Refi, with 93 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 240 $50,900,000 $212,083 $3,156 4.89%
    15 Year 154 $21,200,000 $137,662 $2,246 5.50%
    20 Year 73 $12,885,000 $176,507 $2,321 5.35%
    10 Year 49 $2,845,000 $58,061 $1,676 5.66%
    Other 30 $5,750,000 $191,667 $1,857 5.78%
    5 Year 15 $725,000 $48,333 $1,048 6.09%
    1 Year 9 $1,925,000 $213,889 $3,281 6.04%
    30+ year 1 $205,000 $205,000 $5,352 4.96%
    3 Year 1 $25,000 $25,000 $0 5.75%

    For 2018, Verabank's most frequently cited loan duration was 30 Year, with 240 originations. The 2nd most popular length was 15 Year, with 154 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 374 $60,540,000 $161,872
    $1k-2k 32 $7,150,000 $223,438
    $3k-4k 4 $700,000 $175,000
    $2k-3k 3 $795,000 $265,000
    $4k-5k 3 $775,000 $258,333
    $5k+ 1 $3,705,000 $3,705,000

    Verabank's average total fees were $3,156, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 374 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 229 $46,995,000 $205,218
    5-6% 216 $35,330,000 $163,565
    6-7% 62 $5,280,000 $85,161
    3-4% 36 $6,040,000 $167,778
    7-8% 18 $2,070,000 $115,000
    Over 8% 9 $515,000 $57,222
    % 1 $195,000 $195,000

    During 2018, Verabank's average interest rate for loans was 4.89%, while their most frequently originated rate bucket for loans was 4-5%, with 229 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 249 $14,715,000 $59,096 $1,801 5.63%
    $100k-200k 181 $25,745,000 $142,238 $2,878 5.11%
    $200k-400k 99 $26,085,000 $263,485 $3,340 4.95%
    $400k-600k 26 $12,090,000 $465,000 $3,551 4.57%
    $600k-1MM 13 $9,235,000 $710,385 $3,094 4.77%
    $1MM+ 4 $8,590,000 $2,147,500 $42,904 5.44%

    2018 saw Verabank place emphasis on $100,000 or less loans with 249 originations, totaling $14,715,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 124 $22,040,000 $177,742 $2,901 5.17%
    $50k-75k 118 $12,370,000 $104,831 $2,379 5.32%
    $75k-100k 88 $12,140,000 $137,955 $2,651 5.28%
    $50k or less 83 $6,405,000 $77,169 $2,429 5.26%
    $150k-250k 60 $12,860,000 $214,333 $2,692 5.16%
    $250k+ 40 $16,040,000 $401,000 $4,684 5.21%

    Verabank lent most frequently to those with incomes in the $100k-150k range, with 124 originations. The second most popular income band? $50k-75k, with 118 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 125 $19,645,000 $157,160 $2,745 5.26%
    20-30% 108 $13,280,000 $122,963 $2,489 5.31%
    <20% 50 $5,490,000 $109,800 $2,400 5.13%
    42% 29 $4,825,000 $166,379 $2,452 4.97%
    41% 25 $4,305,000 $172,200 $2,612 5.30%
    39% 23 $3,585,000 $155,870 $2,638 5.07%
    37% 21 $3,175,000 $151,190 $2,038 5.57%
    36% 18 $2,560,000 $142,222 $2,475 5.45%
    40% 17 $1,815,000 $106,765 $2,288 5.33%
    38% 17 $2,845,000 $167,353 $2,470 4.77%
    43% 14 $3,100,000 $221,429 $3,419 5.20%
    45% 11 $3,215,000 $292,273 $3,133 5.04%
    44% 10 $2,850,000 $285,000 $3,531 5.05%
    48% 7 $1,205,000 $172,143 $3,606 4.92%
    47% 6 $1,470,000 $245,000 $3,107 4.62%
    46% 4 $680,000 $170,000 $3,001 4.58%
    49% 3 $475,000 $158,333 $4,691 5.38%
    50-60% 3 $765,000 $255,000 $955 5.43%
    >60% 3 $4,055,000 $1,351,667 $23,203 4.98%

    Verabank lent most frequently to those with DTI ratios of 30-36%, with 125 originations. The next most common DTI ratio? 20-30%, with 108 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 497 $79,265,000 $159,487 $2,727 5.23%
    Not applicable 53 $13,675,000 $258,019 $0 5.64%
    Not provided 7 $1,575,000 $225,000 $2,919 5.08%
    Black 10 $1,090,000 $109,000 $2,202 5.63%
    Asian 2 $390,000 $195,000 $3,664 4.81%
    American Indian 2 $360,000 $180,000 $4,242 5.44%
    Other Pacific Islander 1 $105,000 $105,000 $0 5.75%

    Approval Rates

    Total approvals of all applications
    81.68%

    Verabank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    73.43%

    Verabank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    105.0 1 $15,000 $15,000
    NA 571 $96,445,000 $168,905

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $825,000 $825,000
    Multifamily:Site-Built 8 $6,730,000 $841,250
    Single Family (1-4 Units):Manufactured 10 $420,000 $42,000
    Single Family (1-4 Units):Site-Built 553 $88,485,000 $160,009

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 43 $6,285,000 $146,163 $1,568 5.74%
    40-60% 77 $13,105,000 $170,195 $2,008 5.27%
    60-80% 168 $30,490,000 $181,488 $3,315 5.18%
    80-100% 260 $45,300,000 $174,231 $3,020 5.24%
    Over 100% 2 $80,000 $40,000 $0 5.90%
    Under 20% 22 $1,200,000 $54,545 $984 5.55%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens National Bank 100 North Main Street Corsicana, TX 75110 Full Service B&M $122,708
    Citizens National Bank 101 North Mckinney Street Mexia, TX 76667 Full Service B&M $23,791
    Citizens National Bank 105 Highway 31 East Chandler, TX 75758 Full Service B&M $56,893
    Citizens National Bank 107 Market Square Boulevard Tyler, TX 75703 Full Service B&M $33,392
    Citizens National Bank 109 East Broadway Jefferson, TX 75657 Full Service B&M $62,642
    Citizens National Bank 110 West Rust Street Mount Enterprise, TX 75681 Full Service B&M $25,218
    Citizens National Bank 1101 South White Oak Road White Oak, TX 75693 Full Service B&M $46,000
    Citizens National Bank 115 West Royall Boulevard Malakoff, TX 75148 Full Service B&M $23,752
    Citizens National Bank 165 North Hill Street Tatum, TX 75691 Full Service B&M $44,538
    Citizens National Bank 1708 East End Boulevard North Marshall, TX 75670 Full Service B&M $48,663
    Citizens National Bank 1718 Eleventh Street Huntsville, TX 77340 Full Service B&M $114,836
    Citizens National Bank 200 N. Fredonia St. Longview, TX 75601 Full Service B&M $24,400
    Citizens National Bank 201 West Main Street Henderson, TX 75653 Full Service B&M $377,581
    Citizens National Bank 207 West Spring Street Palestine, TX 75801 Full Service B&M $94,398
    Citizens National Bank 2217 W Grande Blvd Tyler, TX 75703 Full Service B&M $31,223
    Citizens National Bank 2320 Highway 79 South Henderson, TX 75652 Full Service B&M $44,170
    Citizens National Bank 302 North Jefferson Street Mount Pleasant, TX 75455 Full Service B&M $53,641
    Citizens National Bank 307 South Commerce Overton, TX 75684 Full Service B&M $18,514
    Citizens National Bank 3412 4th St. Longview, TX 75605 Full Service B&M $31,662
    Citizens National Bank 3590 West 7th Avenue Corsicana, TX 75110 Full Service B&M $31,210
    Citizens National Bank 410 North Kilgore Street Kilgore, TX 75662 Full Service B&M $53,890
    Citizens National Bank 415 South First Street Lufkin, TX 75901 Full Service B&M $60,892
    Citizens National Bank 5001 Estes Parkway Longview, TX 75603 Full Service B&M $29,848
    Citizens National Bank 601 Spur 156 Waskom, TX 75692 Full Service B&M $40,950
    Citizens National Bank 620 West Front Street Tyler, TX 75702 Full Service B&M $8,495
    Citizens National Bank 739 E Tyler St Athens, TX 75751 Full Service B&M $59,569
    Citizens National Bank 800 Gilmer Road Longview, TX 75604 Full Service B&M $18,399
    Citizens National Bank 805 South John Redditt Drive Lufkin, TX 75904 Full Service B&M $48,949

    For 2018, Verabank had 28 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $73,763
    Net interest income $68,670
    Total noninterest income $23,850
    Gross Fiduciary activities income $4,106
    Service charges on deposit accounts $8,121
    Trading account gains and fees $0
    Additional Noninterest Income $11,623
    Pre-tax net operating income $24,452
    Securities gains (or losses, -) $33
    Income before extraordinary items $19,623
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $19,623
    Minority interest net income $0
    Net income $19,623
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $19,596

    Verabank's gross interest income from loans was $73,763,000.
    Verabank's net interest income from loans was $68,670,000.
    Verabank's fee based income from loans was $8,121,000.
    Verabank's net income from loans was $19,623,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,093
    Provision for credit losses $3,000
    Total noninterest expense $65,068
    Salaries and employee benefits $34,549
    Premises and equipment expense $9,020
    Additional noninterest expense $21,499
    Applicable income taxes $4,862
    Net charge-offs $911
    Cash dividends $22,152

    Verabank's interest expense for loans was $5,093,000.
    Verabank's payroll and benefits expense were $34,549,000.
    Verabank's property, plant and equipment expenses $9,020,000.

    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 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 2.0%
    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 $2,061,737
    Deposits held in domestic offices $2,061,737
    Deposits by Individuals, partnerships, and corporations $1,869,746
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $187,850
    Deposits by Commercial banks and other depository institutions in U.S. $4,141
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $15,452
    Demand deposits $8,604
    Nontransaction accounts $2,046,285
    Money market deposit accounts (MMDAs) $1,063,690
    Other savings deposits (excluding MMDAs) $711,799
    Total time deposits $270,796
    Total time and savings deposits $2,053,133
    Noninterest-bearing deposits $544,796
    Interest-bearing deposits $1,516,941
    Retail deposits $2,008,386
    IRAs and Keogh plan accounts $49,616
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,308,542
    Cash & Balances due from depository institutions $286,774
    Interest-bearing balances $235,073
    Total securities $508,919
    Federal funds sold & reverse repurchase $324
    Net loans and leases $1,356,534
    Loan and leases loss allowance $13,888
    Trading account assets $0
    Bank premises and fixed assets $51,287
    Other real estate owned $1,393
    Goodwill and other intangibles $40,513
    All other assets $62,798

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,308,542
    Total Liabilities $2,085,588
    Total deposits $2,061,737
    Interest-bearing deposits $1,516,941
    Deposits held in domestic offices $2,061,737
    % insured (estimated) $79
    Federal funds purchased and repurchase agreements $7,528
    Trading liabilities $0
    Other borrowed funds $1,290
    Subordinated debt $0
    All other liabilities $15,033

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,356,534
    Loan and leases loss allowance $13,888
    Total loans and leases (domestic) $1,370,422
    All real estate loans $1,022,577
    Real estate loans in domestic offices $1,022,577
    Construction and development loans $160,714
    Residential 1-4 family construction $37,376
    Other construction, all land development and other land $123,338
    Loans secured by nonfarm nonresidential properties $397,616
    Nonfarm nonresidential secured by owner-occupied properties $200,263
    Commercial real estate & other non-farm, non-residential $197,353
    Multifamily residential real estate $63,169
    1-4 family residential loans $371,471
    Farmland loans $29,607
    Loans held in foreign offices $0
    Farm loans $12,833
    Commercial and industrial loans $217,442
    To non-U.S. addressees $0
    Loans to individuals $90,329
    Credit card loans $0
    Related Plans $661
    Consumer Auto Loans $48,010
    Other loans to individuals $41,658
    All other loans & leases $27,241
    Loans to foreign governments and official institutions $0
    Other loans $8,187
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,724
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $101
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    VeraBank had $1,356,534,000 of loans outstanding in 2018. $1,022,577,000 of loans were in real estate loans. $160,714,000 of loans were in development loans. $63,169,000 of loans were in multifamily mortgage loans. $371,471,000 of loans were in 1-4 family mortgage loans. $12,833,000 of loans were in farm loans. $0 of loans were in credit card loans. $48,010,000 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 719 $139,719 $194,324
    Nonfarm, nonresidential loans - <$100k 188 $7,730 $41,117
    Nonfarm, nonresidential loans - $100-250k 278 $33,784 $121,525
    Nonfarm, nonresidential loans - $250k-1MM 253 $98,205 $388,162
    Commercial & Industrial, US addressed loans - <$1MM 3,193 $132,511 $41,500
    Commercial & Industrial, US addressed loans - <$100k 2,703 $52,577 $19,451
    Commercial & Industrial, US addressed loans - $100-250k 313 $31,873 $101,831
    Commercial & Industrial, US addressed loans - $250k-1MM 177 $48,061 $271,531
    Farmland loans - <$1MM 202 $13,640 $67,525
    Farmland loans - <$100k 143 $5,248 $36,699
    Farmland loans - $100-250k 49 $5,772 $117,796
    Farmland loans - $250k-1MM 10 $2,620 $262,000
    Agriculture operations loans - <$1MM 520 $12,831 $24,675
    Agriculture operations loans - <$100k 489 $9,422 $19,268
    Agriculture operations loans - $100-250k 26 $2,033 $78,192
    Agriculture operations loans - $250k-1MM 5 $1,376 $275,200