The First National Bank Of Fort Smith Mortgage Rates, Fees & Info

Fort Smith, AR

LEI: 549300BREPLU2KKPI102

Tax ID: 71-0058845

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

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    • 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

    The First National Bank Of Fort Smith is a smaller bank specializing in Home Purchase and Refi loans. The First National Bank Of Fort Smith has a high proportion of conventional loans. Their top markets by origination volume include: Fayetteville, Fort Smith, Killeen, Little Rock, and Tulsa among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The First National Bank Of Fort Smith has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The First National Bank Of Fort Smith 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.59% 11/17/24
    30 Year Conventional Refi 6.82% 11/17/24
    30 Year Cash-out Refi 6.67% 11/17/24
    30 Year FHA Purchase 6.95% 11/17/24
    30 Year FHA Refi 6.27% 11/17/24
    30 Year VA Purchase 6.27% 11/17/24
    30 Year VA Refi 6.27% 11/17/24
    30 Year USDA Purchase 6.27% 11/17/24
    15 Year Conventional Purchase 6.11% 11/17/24
    15 Year Conventional Refi 6.19% 11/17/24
    15 Year Cash-out Refi 6.19% 11/17/24
    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.

    The First National Bank Of Fort Smith Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from The First National Bank Of Fort Smith. 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

    748

    Origination Dollar Volume (All Markets)

    $284,140,000

    Employee count

    313

    Awards

    The First National Bank of Fort Smith 30 Year Conventional Loans silver The First National Bank of Fort Smith 30 Year Conventional Loans bronze The First National Bank of Fort Smith 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
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 385 $165,285,000 $429,312 $2,826 3.31%
    FORT SMITH, AR-OK (FHA|USDA|VA) 297 $67,475,000 $227,189 $2,339 3.71%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $27,520,000 $13,760,000 $7,529 4.50%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $12,250,000 $3,062,500 $2,862 4.16%
    Outside of Metro Areas 36 $6,130,000 $170,278 $3,162 3.73%
    TULSA, OK (FHA|USDA|VA) 6 $840,000 $140,000 $3,666 4.00%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $720,000 $360,000 $3,327 4.35%
    Mountain Home, AR (FHA|USDA|VA) 2 $590,000 $295,000 $0 4.75%
    MISSOULA, MT (FHA|USDA|VA) 1 $545,000 $545,000 $4,364 3.25%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $535,000 $535,000 $3,485 2.38%
    Tahlequah, OK (FHA|USDA|VA) 3 $355,000 $118,333 $0 4.95%
    GREELEY, CO (FHA|USDA|VA) 1 $355,000 $355,000 $2,738 2.75%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $345,000 $345,000 $0 4.25%
    Harrison, AR (FHA|USDA|VA) 1 $315,000 $315,000 $6,479 2.88%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.50%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $195,000 $195,000 $5,554 3.63%
    Williston, ND (FHA|USDA|VA) 1 $145,000 $145,000 $3,101 3.12%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.95%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,266 2.38%
    Blytheville, AR (FHA|USDA|VA) 1 $55,000 $55,000 $2,015 2.63%
    The First National Bank Of Fort Smith's top markets include Fayetteville, Fort Smith, Killeen, Little Rock, and Tulsa among others.

    Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Similar Lenders

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

    Farmers Bank & Trust Company
    Similarity Rank: 304
    FIRST WESTERN MORTGAGE, INC.
    Similarity Rank: 561
    Truity Federal Credit Union
    Similarity Rank: 728
    The Farmers & Merchants Bank
    Similarity Rank: 784
    TELCOE FEDERAL CREDIT UNION
    Similarity Rank: 1392
    The First National Bank of Fort Smith
    Similarity Rank: 1540
    Generations Bank
    Similarity Rank: 1947
    First National Bank
    Similarity Rank: 2646
    Equity Bank
    Similarity Rank: 2773
    Farm Credit Services of Western Arkansas, ACA
    Similarity Rank: 2880

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 748 $284,140,000 $379,866 $2,689 3.51%

    For 2021, The First National Bank Of Fort Smith's most frequently originated type of loan was Conventional, with 748 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 430 $185,890,000 $432,302 $2,833 3.55%
    Refi 177 $73,425,000 $414,831 $2,566 3.42%
    Cash Out Refi 98 $20,560,000 $209,796 $2,647 3.08%
    Home Improvement 24 $1,940,000 $80,833 $1,223 5.10%
    Other 19 $2,325,000 $122,368 $2,511 3.78%

    For 2021, The First National Bank Of Fort Smith's most frequently cited loan purpose was Home Purchase, with 430 originations. The 2nd most popular reason was Refi, with 177 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 419 $96,685,000 $230,752 $2,760 3.07%
    5 Year 119 $128,065,000 $1,076,176 $1,446 4.77%
    15 Year 80 $17,940,000 $224,250 $2,360 2.89%
    1 Year 39 $13,175,000 $337,821 $2,695 4.79%
    Other 30 $13,230,000 $441,000 $3,604 4.78%
    20 Year 29 $7,295,000 $251,552 $2,632 2.93%
    3 Year 21 $5,905,000 $281,190 $0 4.53%
    10 Year 11 $1,845,000 $167,727 $2,970 2.81%

    For 2021, The First National Bank Of Fort Smith's most frequently cited loan duration was 30 Year, with 419 originations. The 2nd most popular length was 5 Year, with 119 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 443 $90,095,000 $203,375
    $1k-2k 83 $19,055,000 $229,578
    $2k-3k 40 $10,680,000 $267,000
    $3k-4k 7 $2,635,000 $376,429
    $4k-5k 5 $1,685,000 $337,000
    $5k+ 3 $1,475,000 $491,667

    The First National Bank Of Fort Smith's average total fees were $2,760, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 443 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 248 $60,060,000 $242,177
    3-4% 177 $141,695,000 $800,537
    4-5% 165 $53,725,000 $325,606
    <2.5% 100 $21,970,000 $219,700
    5-6% 55 $6,615,000 $120,273
    6-7% 3 $75,000 $25,000

    During 2021, The First National Bank Of Fort Smith's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 2.5-3%, with 248 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 277 $40,815,000 $147,347 $2,479 3.43%
    $200k-400k 257 $70,855,000 $275,700 $2,893 3.26%
    $100,000 or less 128 $8,360,000 $65,313 $1,994 4.22%
    $400k-600k 57 $27,685,000 $485,702 $3,724 3.15%
    $1MM+ 17 $127,105,000 $7,476,765 $0 4.08%
    $600k-1MM 12 $9,320,000 $776,667 $6,794 4.26%

    2021 saw The First National Bank Of Fort Smith place emphasis on $100k-200k loans with 277 originations, totaling $40,815,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 142 $36,090,000 $254,155 $2,839 3.10%
    $50k-75k 109 $18,135,000 $166,376 $2,454 3.37%
    $50k or less 95 $10,615,000 $111,737 $2,177 3.40%
    $75k-100k 95 $20,495,000 $215,737 $2,707 3.11%
    $150k-250k 83 $22,325,000 $268,976 $3,022 3.09%
    $250k+ 50 $15,000,000 $300,000 $3,211 3.35%

    The First National Bank Of Fort Smith lent most frequently to those with incomes in the $100k-150k range, with 142 originations. The second most popular income band? $50k-75k, with 109 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 172 $36,140,000 $210,116 $2,667 3.14%
    <20% 120 $23,840,000 $198,667 $2,651 3.16%
    30-36% 119 $26,495,000 $222,647 $2,588 3.20%
    39% 22 $4,080,000 $185,455 $2,605 3.42%
    36% 19 $3,755,000 $197,632 $2,625 2.89%
    42% 18 $3,590,000 $199,444 $2,627 3.44%
    37% 17 $4,525,000 $266,176 $2,739 3.39%
    44% 15 $2,775,000 $185,000 $2,523 3.12%
    43% 14 $3,530,000 $252,143 $3,727 3.29%
    38% 12 $3,650,000 $304,167 $3,381 3.19%
    47% 11 $2,105,000 $191,364 $2,418 2.92%
    41% 11 $2,345,000 $213,182 $2,533 3.22%
    49% 9 $2,525,000 $280,556 $3,903 3.22%
    40% 8 $2,100,000 $262,500 $2,881 2.94%
    46% 6 $1,140,000 $190,000 $2,207 3.12%
    48% 6 $1,560,000 $260,000 $2,460 2.75%
    45% 4 $780,000 $195,000 $2,451 3.69%
    >60% 2 $550,000 $275,000 $3,979 4.98%
    50-60% 1 $225,000 $225,000 $3,728 5.13%

    The First National Bank Of Fort Smith lent most frequently to those with DTI ratios of 20-30%, with 172 originations. The next most common DTI ratio? <20%, with 120 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 102 $147,250,000 $1,443,627 $0 4.53%
    White 525 $110,055,000 $209,629 $2,658 3.39%
    Asian 52 $13,430,000 $258,269 $2,614 3.01%
    Not provided 33 $6,895,000 $208,939 $3,004 3.15%
    American Indian 26 $4,120,000 $158,462 $3,018 3.76%
    Black 7 $1,195,000 $170,714 $2,837 3.04%
    Asian Indian 3 $1,195,000 $398,333 $3,096 2.87%

    Approval Rates

    Total approvals of all applications
    90.39%

    The First National Bank Of Fort Smith has an average approval rate.

    Pick Rate

    Approvals leading to origination
    65.37%

    The First National Bank Of Fort Smith has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 748 $284,140,000 $379,866

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    748 $284,140,000 $379,866

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 48 $7,310,000 $152,292 $2,252 3.77%
    40-60% 107 $38,555,000 $360,327 $2,425 3.51%
    60-80% 308 $117,200,000 $380,519 $2,663 3.43%
    80-100% 271 $119,885,000 $442,380 $2,926 3.52%
    Over 100% 1 $105,000 $105,000 $0 4.75%
    Under 20% 13 $1,085,000 $83,462 $1,556 4.41%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The First National Bank of Fort Smith 1000 South Kerr Boulevard Sallisaw, OK 74955 Full Service B&M $89,846
    The First National Bank of Fort Smith 1500 East Cherokee Sallisaw, OK 74955 Limited, Drive-thru $38,835
    The First National Bank of Fort Smith 1626 Empire St Lowell, AR 72745 Full Service B&M $15,766
    The First National Bank of Fort Smith 2000 Midland Boulevard Fort Smith, AR 72901 Full Service B&M $36,075
    The First National Bank of Fort Smith 225 E Main St Charleston, AR 72933 Full Service B&M $27,205
    The First National Bank of Fort Smith 2638 East Joyce Blvd., Suite 100 Fayetteville, AR 72703 Full Service B&M $29,412
    The First National Bank of Fort Smith 2727 Grand Avenue Fort Smith, AR 72901 Full Service B&M $24,307
    The First National Bank of Fort Smith 311 East Center Street Greenwood, AR 72936 Full Service B&M $30,921
    The First National Bank of Fort Smith 350 East Centerton Boulevard Centerton, AR 72719 Full Service B&M $26,408
    The First National Bank of Fort Smith 3515 Greenwood Road Fort Smith, AR 72903 Full Service B&M $70,889
    The First National Bank of Fort Smith 3706 Pinnacle Parkway Hill Rogers, AR 72758 Full Service B&M $63,143
    The First National Bank of Fort Smith 400 W Main Street Lavaca, AR 72941 Full Service B&M $37,231
    The First National Bank of Fort Smith 401 East Ray Fine Blvd. Roland, OK 74954 Full Service B&M $10,212
    The First National Bank of Fort Smith 401 Sw A Street Bentonville, AR 72712 Full Service B&M $24,964
    The First National Bank of Fort Smith 5201 Rogers Ave Fort Smith, AR 72903 Full Service B&M $88,207
    The First National Bank of Fort Smith 602 Garrison Avenue Fort Smith, AR 72901 Full Service B&M $539,659
    The First National Bank of Fort Smith 7410 Rogers Avenue Fort Smith, AR 72903 Full Service B&M $100,815
    The First National Bank of Fort Smith 800 Phoenix Avenue Fort Smith, AR 72901 Full Service B&M $71,708
    The First National Bank of Fort Smith 801 North Dixieland Rogers, AR 72756 Full Service B&M $67,251
    The First National Bank of Fort Smith 8225 South Zero Fort Smith, AR 72903 Full Service B&M $54,721
    The First National Bank of Fort Smith 9300 Highway 71 South Fort Smith, AR 72903 Full Service B&M $106,593

    For 2021, The First National Bank Of Fort Smith had 21 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $56,657
    Net interest income $54,735
    Total noninterest income $21,037
    Gross Fiduciary activities income $4,231
    Service charges on deposit accounts $3,749
    Trading account gains and fees $0
    Additional Noninterest Income $13,057
    Pre-tax net operating income $38,660
    Securities gains (or losses, -) $-1,298
    Income before extraordinary items $28,183
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $28,183
    Minority interest net income $0
    Net income $28,183
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $29,208

    The First National Bank Of Fort Smith's gross interest income from loans was $56,657,000.
    The First National Bank Of Fort Smith's net interest income from loans was $54,735,000.
    The First National Bank Of Fort Smith's fee based income from loans was $3,749,000.
    The First National Bank Of Fort Smith's net income from loans was $28,183,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,922
    Provision for credit losses $-2,000
    Total noninterest expense $39,112
    Salaries and employee benefits $23,390
    Premises and equipment expense $4,381
    Additional noninterest expense $11,341
    Applicable income taxes $9,179
    Net charge-offs $-879
    Cash dividends $18,000

    The First National Bank Of Fort Smith's interest expense for loans was $1,922,000.
    The First National Bank Of Fort Smith's payroll and benefits expense were $23,390,000.
    The First National Bank Of Fort Smith's property, plant and equipment expenses $4,381,000.

    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 $1,642,697
    Deposits held in domestic offices $1,642,697
    Deposits by Individuals, partnerships, and corporations $1,569,035
    Deposits by U.S. Government $6
    Deposits by States and political subdivisions in the U.S. $65,126
    Deposits by Commercial banks and other depository institutions in U.S. $8,530
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $632,117
    Demand deposits $472,846
    Nontransaction accounts $1,010,580
    Money market deposit accounts (MMDAs) $707,130
    Other savings deposits (excluding MMDAs) $169,243
    Total time deposits $134,207
    Total time and savings deposits $1,169,851
    Noninterest-bearing deposits $651,360
    Interest-bearing deposits $991,337
    Retail deposits $1,619,698
    IRAs and Keogh plan accounts $25,183
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,898,968
    Cash & Balances due from depository institutions $587,255
    Interest-bearing balances $558,066
    Total securities $170,858
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,021,285
    Loan and leases loss allowance $15,489
    Trading account assets $0
    Bank premises and fixed assets $25,257
    Other real estate owned $300
    Goodwill and other intangibles $18,336
    All other assets $75,677

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,898,968
    Total Liabilities $1,715,393
    Total deposits $1,642,697
    Interest-bearing deposits $991,337
    Deposits held in domestic offices $1,642,697
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $51,185
    Subordinated debt $0
    All other liabilities $21,511

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,021,285
    Loan and leases loss allowance $15,489
    Total loans and leases (domestic) $1,036,774
    All real estate loans $878,197
    Real estate loans in domestic offices $878,197
    Construction and development loans $135,272
    Residential 1-4 family construction $39,675
    Other construction, all land development and other land $95,597
    Loans secured by nonfarm nonresidential properties $433,357
    Nonfarm nonresidential secured by owner-occupied properties $214,076
    Commercial real estate & other non-farm, non-residential $219,281
    Multifamily residential real estate $84,808
    1-4 family residential loans $171,918
    Farmland loans $52,842
    Loans held in foreign offices $0
    Farm loans $9,204
    Commercial and industrial loans $142,167
    To non-U.S. addressees $0
    Loans to individuals $9,566
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2,339
    Other loans to individuals $7,227
    All other loans & leases $38
    Loans to foreign governments and official institutions $0
    Other loans $38
    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 $1,206
    Non 1-4 family restructured loans & leases $1,084
    Total loans and leases (foreign) $0

    The First National Bank of Fort Smith had $1,021,285,000 of loans outstanding in 2021. $878,197,000 of loans were in real estate loans. $135,272,000 of loans were in development loans. $84,808,000 of loans were in multifamily mortgage loans. $171,918,000 of loans were in 1-4 family mortgage loans. $9,204,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,339,000 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 302 $69,000 $228,477
    Nonfarm, nonresidential loans - <$100k 54 $2,291 $42,426
    Nonfarm, nonresidential loans - $100-250k 96 $12,656 $131,833
    Nonfarm, nonresidential loans - $250k-1MM 152 $54,053 $355,612
    Commercial & Industrial, US addressed loans - <$1MM 978 $51,379 $52,535
    Commercial & Industrial, US addressed loans - <$100k 733 $16,103 $21,969
    Commercial & Industrial, US addressed loans - $100-250k 140 $11,820 $84,429
    Commercial & Industrial, US addressed loans - $250k-1MM 105 $23,456 $223,390
    Farmland loans - <$1MM 95 $10,464 $110,147
    Farmland loans - <$100k 39 $1,656 $42,462
    Farmland loans - $100-250k 32 $3,525 $110,156
    Farmland loans - $250k-1MM 24 $5,283 $220,125
    Agriculture operations loans - <$1MM 144 $6,502 $45,153
    Agriculture operations loans - <$100k 115 $2,475 $21,522
    Agriculture operations loans - $100-250k 20 $2,480 $124,000
    Agriculture operations loans - $250k-1MM 9 $1,547 $171,889