Austin Bank Texas Mortgage Rates, Fees & Info

Jacksonville, TX

LEI: 5493008R64K2UUN2NP30

Tax ID: 75-0358895

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

Review & Overview

Austin Bank Texas is a smaller bank specializing in Home Purchase loans. Austin Bank Texas has a high proportion of conventional loans. Their top markets by origination volume include: Tyler, Longview, Jacksonville, Houston, and Nacogdoches among others. We have data for 26 markets. (Some data included below & more in-depth data is available with an active subscription.)

Austin Bank Texas 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. Austin Bank Texas 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	6.77%	4/28/24
30 Year Conventional Refi	6.77%	4/28/24
30 Year Cash-out Refi	6.55%	4/28/24
30 Year VA Purchase	6.50%	4/28/24
15 Year Conventional Purchase	6.10%	4/28/24
15 Year Conventional Refi	6.19%	4/28/24
15 Year Cash-out Refi	6.19%	4/28/24
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.

Austin Bank Texas Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

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

This is not an official calculator from Austin Bank Texas. 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

1,019

Origination Dollar Volume (All Markets)

$223,945,000

Employee count

467

Awards

Austin Bank Texas 30 Year Conventional Loans gold

Austin Bank Texas 30 Year Conventional Loans silver

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
TYLER, TX (FHA\|USDA\|VA)	248	$64,000,000	$258,065	$3,500	3.90%
LONGVIEW, TX (FHA\|USDA\|VA)	223	$36,855,000	$165,269	$3,195	3.84%
Jacksonville, TX (FHA\|USDA\|VA)	166	$34,130,000	$205,602	$3,435	3.85%
Outside of Metro Areas	93	$18,765,000	$201,774	$3,247	3.90%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	32	$15,990,000	$499,688	$7,525	3.81%
Nacogdoches, TX (FHA\|USDA\|VA)	69	$14,535,000	$210,652	$4,021	3.41%
Palestine, TX (FHA\|USDA\|VA)	85	$12,205,000	$143,588	$2,909	4.05%
Lufkin, TX (FHA\|USDA\|VA)	40	$7,610,000	$190,250	$3,723	3.45%
Athens, TX (FHA\|USDA\|VA)	19	$5,415,000	$285,000	$3,155	3.95%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	12	$3,860,000	$321,667	$4,448	3.63%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	5	$3,005,000	$601,000	$3,338	3.93%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	3	$1,505,000	$501,667	$7,081	3.55%
Mineral Wells, TX (FHA\|USDA\|VA)	2	$850,000	$425,000	$5,456	3.50%
Mount Pleasant, TX (FHA\|USDA\|VA)	6	$830,000	$138,333	$3,263	3.96%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	1	$775,000	$775,000	$4,708	3.50%
WACO, TX (FHA\|USDA\|VA)	3	$655,000	$218,333	$0	4.00%
Huntsville, TX (FHA\|USDA\|VA)	2	$640,000	$320,000	$7,427	4.08%
SAN ANGELO, TX (FHA\|USDA\|VA)	2	$640,000	$320,000	$3,927	3.20%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$395,000	$395,000	$0	3.75%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	1	$305,000	$305,000	$4,286	4.00%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	3.75%
Sulphur Springs, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,517	2.63%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,722	3.65%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,394	2.50%
BATON ROUGE, LA (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	4.70%
Bonham, TX (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	5.25%

Austin Bank Texas's top markets include Tyler, Longview, Jacksonville, Houston, and Nacogdoches among others.

Their top states include:

Texas (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Oklahoma (FHA|USDA|VA)

New Mexico (FHA|USDA|VA)

Colorado (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Austin Bank Texas 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: 369

AMOCO
Similarity Rank: 405

KELLY COMMUNITY FEDERAL CREDIT UNION
Similarity Rank: 832

AAXY L.L.C.
Similarity Rank: 1188

SCHLUMBERGER EMPLOYEES CREDIT UNION
Similarity Rank: 1320

U S WIDE FINANCIAL LLC
Similarity Rank: 1512

SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
Similarity Rank: 1832

WESTSTAR MORTGAGE CORPORATION
Similarity Rank: 1968

TEXANS
Similarity Rank: 2057

TEXAS BAY
Similarity Rank: 2076

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,016	$223,060,000	$219,547	$3,539	3.84%
VA	3	$885,000	$295,000	$9,916	2.63%

For 2021, Austin Bank Texas's most frequently originated type of loan was Conventional, with 1,016 originations. Their 2nd most popular type was VA, with 3 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	702	$170,950,000	$243,519	$4,075	3.84%
Refi	184	$37,990,000	$206,467	$3,166	3.68%
Home Improvement	83	$7,615,000	$91,747	$2,001	4.11%
Other	34	$4,190,000	$123,235	$2,188	4.33%
Cash Out Refi	16	$3,200,000	$200,000	$3,756	2.84%

For 2021, Austin Bank Texas's most frequently cited loan purpose was Home Purchase, with 702 originations. The 2nd most popular reason was Refi, with 184 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	368	$94,150,000	$255,842	$3,812	3.41%
20 Year	283	$43,305,000	$153,021	$2,621	4.23%
Other	100	$29,390,000	$293,900	$2,982	4.12%
15 Year	95	$12,575,000	$132,368	$2,847	3.27%
1 Year	63	$17,665,000	$280,397	$4,785	4.29%
30+ year	53	$23,295,000	$439,528	$6,710	3.91%
10 Year	48	$2,930,000	$61,042	$1,682	4.27%
5 Year	9	$635,000	$70,556	$1,072	5.14%

For 2021, Austin Bank Texas's most frequently cited loan duration was 30 Year, with 368 originations. The 2nd most popular length was 20 Year, with 283 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	582	$114,840,000	$197,320
$1k-2k	77	$20,535,000	$266,688
$2k-3k	26	$6,950,000	$267,308
$3k-4k	6	$2,780,000	$463,333
$4k-5k	5	$2,315,000	$463,000
$5k+	3	$4,545,000	$1,515,000

Austin Bank Texas's average total fees were $3,812, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 582 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	496	$126,020,000	$254,073
4-5%	282	$49,210,000	$174,504
2.5-3%	117	$29,975,000	$256,197
<2.5%	72	$13,920,000	$193,333
5-6%	37	$3,675,000	$99,324
6-7%	9	$535,000	$59,444
7-8%	5	$445,000	$89,000
Over 8%	1	$165,000	$165,000

During 2021, Austin Bank Texas's average interest rate for loans was 3.41%, while their most frequently originated rate bucket for loans was 3-4%, with 496 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	319	$46,655,000	$146,254	$3,123	3.74%
$100,000 or less	314	$19,150,000	$60,987	$2,005	4.26%
$200k-400k	277	$76,595,000	$276,516	$4,217	3.52%
$400k-600k	64	$30,290,000	$473,281	$5,753	3.56%
$600k-1MM	25	$19,215,000	$768,600	$7,308	3.75%
$1MM+	20	$32,040,000	$1,602,000	$14,924	3.79%

2021 saw Austin Bank Texas place emphasis on $100k-200k loans with 319 originations, totaling $46,655,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	191	$37,845,000	$198,141	$3,620	3.63%
$50k-75k	156	$20,590,000	$131,987	$3,065	3.75%
$75k-100k	125	$21,405,000	$171,240	$3,209	3.76%
$150k-250k	121	$30,885,000	$255,248	$4,197	3.67%
$50k or less	118	$10,940,000	$92,712	$2,501	3.97%
$250k+	100	$42,830,000	$428,300	$5,502	3.62%

Austin Bank Texas lent most frequently to those with incomes in the $100k-150k range, with 191 originations. The second most popular income band? $50k-75k, with 156 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	216	$43,000,000	$199,074	$3,424	3.59%
30-36%	142	$31,600,000	$222,535	$4,064	3.69%
<20%	84	$17,690,000	$210,595	$3,553	3.50%
50-60%	44	$9,780,000	$222,273	$3,438	3.95%
>60%	31	$7,665,000	$247,258	$3,501	4.10%
41%	28	$5,710,000	$203,929	$3,641	3.67%
37%	26	$4,120,000	$158,462	$3,178	3.90%
40%	24	$4,480,000	$186,667	$3,172	3.54%
38%	23	$4,075,000	$177,174	$3,245	3.80%
36%	23	$3,535,000	$153,696	$2,930	3.68%
44%	20	$4,210,000	$210,500	$3,922	3.47%
42%	20	$4,460,000	$223,000	$4,026	3.80%
43%	19	$3,975,000	$209,211	$3,508	3.71%
45%	19	$5,075,000	$267,105	$4,396	3.73%
39%	19	$3,645,000	$191,842	$3,256	3.85%
46%	15	$2,795,000	$186,333	$3,403	3.55%
47%	9	$1,285,000	$142,778	$2,645	3.86%
49%	8	$1,600,000	$200,000	$3,576	3.68%
48%	6	$970,000	$161,667	$3,268	3.43%

Austin Bank Texas lent most frequently to those with DTI ratios of 20-30%, with 216 originations. The next most common DTI ratio? 30-36%, with 142 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	716	$142,130,000	$198,506	$3,470	3.72%
Not applicable	200	$57,980,000	$289,900	$4,593	4.28%
Not provided	41	$9,205,000	$224,512	$4,090	3.59%
Asian	23	$7,615,000	$331,087	$5,796	3.64%
Black	30	$3,770,000	$125,667	$3,197	4.04%
American Indian	7	$2,505,000	$357,857	$3,879	3.85%
Asian Indian	2	$740,000	$370,000	$4,507	3.58%

Approval Rates

Total approvals of all applications
79.79%

Austin Bank Texas has a below average approval rate.

Pick Rate

Approvals leading to origination
82.43%

Austin Bank Texas has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,019	$223,945,000	$219,769

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	1,019	$223,945,000	$219,769

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	71	$13,155,000	$185,282	$2,096	4.01%
40-60%	102	$21,430,000	$210,098	$3,423	3.65%
60-80%	370	$79,740,000	$215,514	$3,654	3.87%
80-100%	432	$105,630,000	$244,514	$4,003	3.78%
Over 100%	3	$665,000	$221,667	$7,112	3.51%
Under 20%	41	$3,325,000	$81,098	$1,578	4.19%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
Academy Mortgage Corporation	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	3	12.0%
Academy Mortgage Corporation	Conventional home mortgage	Closing on a mortgage	5	20.0%
Academy Mortgage Corporation	Conventional home mortgage	Trouble during payment process	7	28.0%
Academy Mortgage Corporation	FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	1	4.0%
Academy Mortgage Corporation	FHA mortgage	Closing on a mortgage	2	8.0%
Academy Mortgage Corporation	FHA mortgage	Trouble during payment process	1	4.0%
Academy Mortgage Corporation	Other type of mortgage	Trouble during payment process	3	12.0%
Academy Mortgage Corporation	VA mortgage	Applying for a mortgage or refinancing an existing mortgage	2	8.0%
Academy Mortgage Corporation	VA mortgage	Closing on a mortgage	1	4.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Austin Bank, Texas National Association	100 Horton Street Whitehouse, TX 75791	Full Service B&M	$106,756
Austin Bank, Texas National Association	1006 Stone Road Kilgore, TX 75662	Full Service B&M	$176,673
Austin Bank, Texas National Association	108 E.. Broadway Big Sandy, TX 75755	Full Service B&M	$46,658
Austin Bank, Texas National Association	108 Market Square Blvd Tyler, TX 75703	Full Service B&M	$71,908
Austin Bank, Texas National Association	110 East Spring Street Palestine, TX 75801	Limited, Drive-thru	$0
Austin Bank, Texas National Association	1210 East Pinecrest Marshall, TX 75671	Full Service B&M	$29,868
Austin Bank, Texas National Association	1230 Loop 323 Ssw Tyler, TX 75701	Full Service B&M	$37,471
Austin Bank, Texas National Association	139 North Main Street Grand Saline, TX 75140	Full Service B&M	$40,824
Austin Bank, Texas National Association	1625 E Broadway Gladewater, TX 75647	Full Service B&M	$63,887
Austin Bank, Texas National Association	169 S. Frankston Hwy Frankston, TX 75763	Full Service B&M	$115,493
Austin Bank, Texas National Association	16909 Texas 155 Flint, TX 75762	Full Service B&M	$23,888
Austin Bank, Texas National Association	1700 South Jackson Street Jacksonville, TX 75766	Full Service B&M	$38,942
Austin Bank, Texas National Association	200 East Commerce Street Jacksonville, TX 75766	Full Service B&M	$298,026
Austin Bank, Texas National Association	2000 S John Redditt Lufkin, TX 75904	Full Service B&M	$22,383
Austin Bank, Texas National Association	210 North Houston Bullard, TX 75757	Full Service B&M	$61,987
Austin Bank, Texas National Association	216 S. Main Street Rusk, TX 75785	Full Service B&M	$90,139
Austin Bank, Texas National Association	2609 Gilmer Road Longview, TX 75604	Full Service B&M	$24,381
Austin Bank, Texas National Association	2745 South Loop 256 Palestine, TX 75801	Full Service B&M	$122,663
Austin Bank, Texas National Association	305 South Broadway Suite 100 Tyler, TX 75702	Full Service B&M	$35,899
Austin Bank, Texas National Association	308 East Loop 281 Longview, TX 75605	Full Service B&M	$41,937
Austin Bank, Texas National Association	3120 North Street Nacogdoches, TX 75965	Full Service B&M	$80,882
Austin Bank, Texas National Association	3400 West Marshall Avenue Longview, TX 75608	Full Service B&M	$62,294
Austin Bank, Texas National Association	352 Jacob Street Timpson, TX 75975	Full Service B&M	$33,054
Austin Bank, Texas National Association	507 W. Duval Street Troup, TX 75789	Full Service B&M	$48,668
Austin Bank, Texas National Association	550 U.S. Highway 59 S Garrison, TX 75946	Full Service B&M	$17,340
Austin Bank, Texas National Association	5515 Old Bullard Road Tyler, TX 75703	Full Service B&M	$62,922
Austin Bank, Texas National Association	5653 Us Hwy 259 N. Longview, TX 75605	Full Service B&M	$6,812
Austin Bank, Texas National Association	603 South Main Street Lindale, TX 75771	Full Service B&M	$19,601
Austin Bank, Texas National Association	610 West Lennon Drive Emory, TX 75440	Full Service B&M	$84,307
Austin Bank, Texas National Association	611 South Beckham Tyler, TX 75701	Full Service B&M	$65,869
Austin Bank, Texas National Association	766 W. Main Van, TX 75790	Full Service B&M	$54,499
Austin Bank, Texas National Association	807 E Houston Cleveland, TX 77327	Full Service B&M	$15,405
Austin Bank, Texas National Association	865 Us Hwy 271 N. Gilmer, TX 75644	Full Service B&M	$28,358
Austin Bank, Texas National Association	911 Northwest Loop 281 Longview, TX 75604	Full Service B&M	$70,591

For 2021, Austin Bank Texas had 34 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$90,273
Net interest income	$86,632
Total noninterest income	$26,066
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$9,194
Trading account gains and fees	$0
Additional Noninterest Income	$16,872
Pre-tax net operating income	$44,840
Securities gains (or losses, -)	$0
Income before extraordinary items	$35,646
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$35,646
Minority interest net income	$0
Net income	$35,646
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$35,646

Austin Bank Texas's gross interest income from loans was $90,273,000.
Austin Bank Texas's net interest income from loans was $86,632,000.
Austin Bank Texas's fee based income from loans was $9,194,000.
Austin Bank Texas's net income from loans was $35,646,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$3,641
Provision for credit losses	$1,614
Total noninterest expense	$66,244
Salaries and employee benefits	$42,188
Premises and equipment expense	$6,655
Additional noninterest expense	$17,401
Applicable income taxes	$9,194
Net charge-offs	$752
Cash dividends	$5,261

Austin Bank Texas's interest expense for loans was $3,641,000.
Austin Bank Texas's payroll and benefits expense were $42,188,000.
Austin Bank Texas's property, plant and equipment expenses $6,655,000.

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	$2,206,641
Deposits held in domestic offices	$2,206,641
Deposits by Individuals, partnerships, and corporations	$2,087,703
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$118,353
Deposits by Commercial banks and other depository institutions in U.S.	$585
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$1,351,099
Demand deposits	$959,788
Nontransaction accounts	$855,542
Money market deposit accounts (MMDAs)	$271,951
Other savings deposits (excluding MMDAs)	$304,257
Total time deposits	$279,334
Total time and savings deposits	$1,246,853
Noninterest-bearing deposits	$946,058
Interest-bearing deposits	$1,260,583
Retail deposits	$2,128,639
IRAs and Keogh plan accounts	$37,193
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$2,597,738
Cash & Balances due from depository institutions	$420,264
Interest-bearing balances	$388,111
Total securities	$440,747
Federal funds sold & reverse repurchase	$0
Net loans and leases	$1,624,108
Loan and leases loss allowance	$19,981
Trading account assets	$0
Bank premises and fixed assets	$36,954
Other real estate owned	$378
Goodwill and other intangibles	$10,913
All other assets	$64,374

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$2,597,738
Total Liabilities	$2,271,843
Total deposits	$2,206,641
Interest-bearing deposits	$1,260,583
Deposits held in domestic offices	$2,206,641
% insured (estimated)	$74
Federal funds purchased and repurchase agreements	$43,651
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$21,551

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,624,108
Loan and leases loss allowance	$19,981
Total loans and leases (domestic)	$1,644,089
All real estate loans	$1,320,071
Real estate loans in domestic offices	$1,320,071
Construction and development loans	$212,127
Residential 1-4 family construction	$67,413
Other construction, all land development and other land	$144,714
Loans secured by nonfarm nonresidential properties	$537,739
Nonfarm nonresidential secured by owner-occupied properties	$292,985
Commercial real estate & other non-farm, non-residential	$244,754
Multifamily residential real estate	$8,417
1-4 family residential loans	$512,099
Farmland loans	$49,689
Loans held in foreign offices	$0
Farm loans	$35,423
Commercial and industrial loans	$163,766
To non-U.S. addressees	$0
Loans to individuals	$120,139
Credit card loans	$0
Related Plans	$2,800
Consumer Auto Loans	$50,468
Other loans to individuals	$66,871
All other loans & leases	$4,690
Loans to foreign governments and official institutions	$0
Other loans	$991
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$7,970
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$716
Non 1-4 family restructured loans & leases	$716
Total loans and leases (foreign)	$0

Austin Bank Texas had $1,624,108,000 of loans outstanding in 2021. $1,320,071,000 of loans were in real estate loans. $212,127,000 of loans were in development loans. $8,417,000 of loans were in multifamily mortgage loans. $512,099,000 of loans were in 1-4 family mortgage loans. $35,423,000 of loans were in farm loans. $0 of loans were in credit card loans. $50,468,000 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	1,115	$236,202	$211,840
Nonfarm, nonresidential loans - <$100k	320	$13,579	$42,434
Nonfarm, nonresidential loans - $100-250k	374	$50,551	$135,163
Nonfarm, nonresidential loans - $250k-1MM	421	$172,072	$408,722
Commercial & Industrial, US addressed loans - <$1MM	2,728	$126,152	$46,243
Commercial & Industrial, US addressed loans - <$100k	2,302	$54,246	$23,565
Commercial & Industrial, US addressed loans - $100-250k	290	$30,067	$103,679
Commercial & Industrial, US addressed loans - $250k-1MM	136	$41,839	$307,640
Farmland loans - <$1MM	307	$38,486	$125,362
Farmland loans - <$100k	157	$6,959	$44,325
Farmland loans - $100-250k	102	$12,518	$122,725
Farmland loans - $250k-1MM	48	$19,009	$396,021
Agriculture operations loans - <$1MM	1,012	$35,423	$35,003
Agriculture operations loans - <$100k	897	$20,611	$22,978
Agriculture operations loans - $100-250k	93	$8,744	$94,022
Agriculture operations loans - $250k-1MM	22	$6,068	$275,818