The Federal Savings Bank Mortgage Rates, Fees & Info

Chicago, IL

LEI: 549300BX448ALT10FI43

Tax ID: 43-1883419

2020 Data | 2019 Data | 2018 Data


Overview

The Federal Savings Bank is a large bank specializing in Refi loans. The Federal Savings Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Chicago, New York, Washington, Phoenix, and Nassau County among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. The Federal Savings Bank is typically a high fee lendor.


Originations

36,492

Origination Dollar Volume (All Markets)

$11,697,500,000

Employee count

1,717

Awards

2020 The Federal Savings Bank Low Rate Award
Details

Relative Rate

The Federal Savings Bank's average 30 year fixed rate mortgage was 2.92%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.44%.

Relative Fees

The Federal Savings Bank's average total fees for a 30 year fixed rate mortgage are $6,273.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
VA 20,105 $6,571,645,000 $326,866 $5,922 2.73%
Conventional 13,099 $4,141,125,000 $316,141 $5,308 3.14%
FHA 3,198 $967,240,000 $302,452 $10,940 3.08%
USDA 90 $17,490,000 $194,333 $5,673 3.08%

For the 2020 period, The Federal Savings Bank's most frequently originated loan type was VA, with 20,105 originations. Their 2nd most popular type is Conventional, with 13,099 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 23,120 $7,447,670,000 $322,131 $4,834 2.78%
Cash Out Refi 6,760 $2,114,500,000 $312,796 $9,297 3.13%
Home Purchase 6,529 $2,112,325,000 $323,530 $7,620 3.15%
Other 83 $23,005,000 $277,169 $5,851 3.54%

For the 2020, The Federal Savings Bank's most frequently cited loan purpose was Refi, with 23,120 originations. The 2nd most popular reason was Cash Out Refi, with 6,760 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 33,517 $10,888,835,000 $324,875 $6,273 2.92%
15 Year 1,377 $363,405,000 $263,911 $4,426 2.69%
20 Year 784 $213,780,000 $272,679 $4,948 2.97%
Other 736 $213,180,000 $289,647 $4,885 2.91%
10 Year 73 $16,575,000 $227,055 $4,528 2.68%
30+ year 5 $1,725,000 $345,000 $8,172 4.58%

For the 2020, The Federal Savings Bank's most frequently cited loan length was 30 Year, with 33,517 originations. The 2nd most popular length was 15 Year, with 1,377 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 10,290 $3,095,320,000 $300,809
$5k+ 7,641 $2,783,695,000 $364,310
$3k-4k 6,774 $2,034,010,000 $300,267
$<1k 5,902 $2,041,080,000 $345,829
$2k-3k 4,316 $1,301,580,000 $301,571

$6,273 was The Federal Savings Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 10,290 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
CHICAGO-NAPERVILLE-EVANSTON, IL 3,628 $969,990,000 $267,362 $4,992 3.03%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 1,462 $761,990,000 $521,197 $11,453 3.09%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 1,767 $726,855,000 $411,350 $6,088 2.86%
Outside of Metro Areas 2,358 $656,880,000 $278,575 $5,655 2.89%
PHOENIX-MESA-CHANDLER, AZ 1,055 $316,665,000 $300,156 $5,914 2.93%
NASSAU COUNTY-SUFFOLK COUNTY, NY 755 $307,415,000 $407,172 $9,560 3.04%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 863 $246,825,000 $286,008 $5,233 2.85%
NEW BRUNSWICK-LAKEWOOD, NJ 663 $242,805,000 $366,222 $5,283 2.97%
LAS VEGAS-HENDERSON-PARADISE, NV 747 $237,475,000 $317,905 $5,872 2.87%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 797 $229,055,000 $287,396 $5,554 2.98%
LOS ANGELES-LONG BEACH-GLENDALE, CA 429 $196,265,000 $457,494 $7,523 2.85%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 405 $196,135,000 $484,284 $7,492 2.74%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 563 $196,025,000 $348,179 $6,785 2.84%
SEATTLE-BELLEVUE-KENT, WA 449 $177,735,000 $395,846 $6,789 2.80%
DENVER-AURORA-LAKEWOOD, CO 466 $170,530,000 $365,944 $6,221 2.93%
BALTIMORE-COLUMBIA-TOWSON, MD 496 $167,050,000 $336,794 $5,550 2.92%
TACOMA-LAKEWOOD, WA 443 $150,235,000 $339,131 $6,619 2.77%
URBAN HONOLULU, HI 248 $140,530,000 $566,653 $6,972 2.57%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 403 $132,705,000 $329,293 $6,799 2.84%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 437 $126,425,000 $289,302 $5,491 2.86%
ANAHEIM-SANTA ANA-IRVINE, CA 220 $114,570,000 $520,773 $7,272 2.94%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 280 $112,470,000 $401,679 $5,519 2.92%
BOSTON, MA 257 $99,155,000 $385,817 $7,048 2.89%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 351 $99,135,000 $282,436 $6,457 2.95%
SALT LAKE CITY, UT 300 $93,540,000 $311,800 $6,671 2.84%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 237 $91,775,000 $387,236 $6,991 2.80%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 240 $85,380,000 $355,750 $7,097 2.85%
PROVIDENCE-WARWICK, RI-MA 288 $85,370,000 $296,424 $6,341 2.92%
OAKLAND-BERKELEY-LIVERMORE, CA 168 $84,350,000 $502,083 $9,763 2.89%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 261 $84,075,000 $322,126 $6,011 2.94%
INDIANAPOLIS-CARMEL-ANDERSON, IN 377 $83,595,000 $221,737 $4,576 3.09%
COLUMBUS, OH 341 $81,195,000 $238,109 $5,095 3.02%
OGDEN-CLEARFIELD, UT 262 $78,280,000 $298,779 $6,687 2.80%
RALEIGH-CARY, NC 282 $76,650,000 $271,809 $5,356 3.02%
ELGIN, IL 304 $75,160,000 $247,237 $4,620 3.05%
COLORADO SPRINGS, CO 230 $73,120,000 $317,913 $5,535 2.81%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 226 $65,030,000 $287,743 $6,071 2.87%
NEWARK, NJ-PA 190 $64,210,000 $337,947 $7,297 3.07%
ST. LOUIS, MO-IL 232 $61,020,000 $263,017 $4,871 2.76%
KANSAS CITY, MO-KS 206 $57,360,000 $278,447 $4,966 2.79%
JACKSONVILLE, FL 200 $56,970,000 $284,850 $5,566 2.81%
ORLANDO-KISSIMMEE-SANFORD, FL 195 $55,375,000 $283,974 $6,111 2.90%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 167 $54,995,000 $329,311 $6,293 2.76%
RENO, NV 155 $53,925,000 $347,903 $6,894 2.90%
SALISBURY, MD-DE 167 $50,135,000 $300,210 $5,063 2.92%
OLYMPIA-LACEY-TUMWATER, WA 153 $48,425,000 $316,503 $6,241 2.82%
ANCHORAGE, AK 147 $48,325,000 $328,741 $5,968 2.76%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 166 $47,570,000 $286,566 $5,202 2.97%
OKLAHOMA CITY, OK 154 $47,320,000 $307,273 $5,873 2.84%
RICHMOND, VA 167 $46,545,000 $278,713 $5,494 2.89%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 138 $44,110,000 $319,638 $7,709 2.88%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 75 $43,515,000 $580,200 $8,389 2.79%
CINCINNATI, OH-KY-IN 161 $42,945,000 $266,739 $5,927 2.95%
FORT COLLINS, CO 128 $42,780,000 $334,219 $5,185 3.07%
VALLEJO, CA 106 $42,420,000 $400,189 $7,194 2.81%
NORTH PORT-SARASOTA-BRADENTON, FL 153 $42,325,000 $276,634 $5,738 3.08%
MIAMI-MIAMI BEACH-KENDALL, FL 132 $42,120,000 $319,091 $6,939 2.99%
CLEVELAND-ELYRIA, OH 177 $40,895,000 $231,045 $5,097 3.03%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 120 $40,720,000 $339,333 $7,755 3.07%
SPOKANE-SPOKANE VALLEY, WA 136 $39,900,000 $293,382 $6,668 2.83%
WORCESTER, MA-CT 120 $36,020,000 $300,167 $6,467 2.95%
TUCSON, AZ 137 $35,965,000 $262,518 $5,721 2.78%
WILMINGTON, DE-MD-NJ 126 $35,900,000 $284,921 $5,931 2.89%
CHARLESTON-NORTH CHARLESTON, SC 122 $35,040,000 $287,213 $5,840 2.89%
GREELEY, CO 100 $34,840,000 $348,400 $5,732 3.20%
DALLAS-PLANO-IRVING, TX 107 $33,435,000 $312,477 $5,650 2.91%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 99 $32,375,000 $327,020 $6,082 2.80%
SAN ANTONIO-NEW BRAUNFELS, TX 103 $31,955,000 $310,243 $5,226 2.77%
GARY, IN 129 $31,215,000 $241,977 $5,120 2.90%
WARREN-TROY-FARMINGTON HILLS, MI 119 $30,565,000 $256,849 $4,904 2.90%
PROVO-OREM, UT 95 $30,465,000 $320,684 $6,497 2.81%
STOCKTON, CA 92 $30,370,000 $330,109 $6,040 2.91%
OXNARD-THOUSAND OAKS-VENTURA, CA 68 $30,230,000 $444,559 $6,082 2.78%
FAYETTEVILLE, NC 121 $28,365,000 $234,421 $5,356 2.82%
SAVANNAH, GA 113 $28,355,000 $250,929 $5,539 2.96%
ALBUQUERQUE, NM 106 $28,180,000 $265,849 $5,537 2.74%
AUGUSTA-RICHMOND COUNTY, GA-SC 101 $28,045,000 $277,673 $4,794 2.78%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 89 $27,815,000 $312,528 $7,665 2.97%
CAMDEN, NJ 99 $27,625,000 $279,040 $5,489 2.76%
BOISE CITY, ID 94 $27,210,000 $289,468 $7,356 2.84%
HUNTSVILLE, AL 92 $27,070,000 $294,239 $5,433 2.79%
MEMPHIS, TN-MS-AR 101 $26,665,000 $264,010 $6,287 2.81%
SALEM, OR 89 $26,265,000 $295,112 $6,310 2.75%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 88 $25,410,000 $288,750 $5,844 2.86%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 76 $24,740,000 $325,526 $6,341 2.78%
OMAHA-COUNCIL BLUFFS, NE-IA 85 $24,135,000 $283,941 $5,040 2.83%
COLUMBIA, SC 98 $23,730,000 $242,143 $5,234 2.89%
MANCHESTER-NASHUA, NH 81 $23,545,000 $290,679 $6,199 2.94%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 40 $23,300,000 $582,500 $7,743 2.86%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 90 $23,230,000 $258,111 $5,463 2.81%
BRIDGEPORT-STAMFORD-NORWALK, CT 58 $22,840,000 $393,793 $7,828 3.00%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 73 $22,405,000 $306,918 $7,389 2.91%
PALM BAY-MELBOURNE-TITUSVILLE, FL 77 $22,405,000 $290,974 $6,291 2.93%
DURHAM-CHAPEL HILL, NC 82 $22,290,000 $271,829 $5,721 3.04%
KENNEWICK-RICHLAND, WA 78 $22,250,000 $285,256 $6,936 2.84%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 87 $21,905,000 $251,782 $5,146 2.85%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 74 $21,610,000 $292,027 $5,261 2.90%
PHILADELPHIA, PA 89 $21,405,000 $240,506 $6,266 3.07%
CHEYENNE, WY 73 $21,275,000 $291,438 $5,460 2.97%
KAHULUI-WAILUKU-LAHAINA, HI 41 $21,235,000 $517,927 $7,126 2.77%
HAGERSTOWN-MARTINSBURG, MD-WV 82 $20,390,000 $248,659 $5,580 2.85%
FRESNO, CA 70 $20,350,000 $290,714 $6,357 2.75%
BOULDER, CO 48 $20,040,000 $417,500 $6,534 2.91%
DAYTON-KETTERING, OH 74 $19,970,000 $269,865 $5,374 2.75%
EUGENE-SPRINGFIELD, OR 71 $19,535,000 $275,141 $5,612 2.91%
MILWAUKEE-WAUKESHA, WI 77 $19,255,000 $250,065 $5,228 2.89%
SALINAS, CA 39 $19,115,000 $490,128 $8,190 2.75%
BLOOMINGTON, IN 84 $19,100,000 $227,381 $4,228 3.22%
CAPE CORAL-FORT MYERS, FL 69 $19,055,000 $276,159 $6,137 2.92%
SPRINGFIELD, MA 71 $19,025,000 $267,958 $5,326 2.75%
DOVER, DE 71 $19,015,000 $267,817 $5,790 2.68%
CLARKSVILLE, TN-KY 79 $18,745,000 $237,278 $4,841 2.81%
PORTLAND-SOUTH PORTLAND, ME 65 $18,665,000 $287,154 $5,274 2.79%
PITTSBURGH, PA 68 $18,290,000 $268,971 $5,980 2.81%
MEDFORD, OR 59 $17,855,000 $302,627 $6,802 2.85%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 63 $17,735,000 $281,508 $7,365 2.85%
LAKELAND-WINTER HAVEN, FL 69 $17,555,000 $254,420 $5,272 2.94%
BAKERSFIELD, CA 64 $17,530,000 $273,906 $5,639 2.86%
PENSACOLA-FERRY PASS-BRENT, FL 72 $17,420,000 $241,944 $5,729 2.80%
NEW ORLEANS-METAIRIE, LA 66 $17,400,000 $263,636 $6,016 2.79%
BARNSTABLE TOWN, MA 53 $16,935,000 $319,528 $5,426 2.88%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 61 $16,835,000 $275,984 $6,164 2.96%
KNOXVILLE, TN 62 $16,740,000 $270,000 $5,490 2.85%
ST. GEORGE, UT 52 $16,730,000 $321,731 $6,057 2.72%
BIRMINGHAM-HOOVER, AL 61 $16,385,000 $268,607 $5,275 2.91%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 63 $16,315,000 $258,968 $6,613 2.88%
DES MOINES-WEST DES MOINES, IA 65 $16,315,000 $251,000 $5,492 2.80%
MODESTO, CA 53 $15,885,000 $299,717 $7,009 2.93%
SAN LUIS OBISPO-PASO ROBLES, CA 31 $15,875,000 $512,097 $7,827 2.90%
ASHEVILLE, NC 49 $15,775,000 $321,939 $7,672 3.10%
ALBANY-SCHENECTADY-TROY, NY 56 $15,180,000 $271,071 $6,545 2.90%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 58 $15,170,000 $261,552 $5,103 2.95%
COEUR D'ALENE, ID 48 $15,120,000 $315,000 $6,617 2.90%
JACKSONVILLE, NC 62 $15,080,000 $243,226 $5,079 2.75%
PRESCOTT VALLEY-PRESCOTT, AZ 54 $15,050,000 $278,704 $5,850 2.89%
TULSA, OK 55 $14,175,000 $257,727 $5,828 2.78%
BATON ROUGE, LA 44 $13,680,000 $310,909 $6,714 2.83%
BELLINGHAM, WA 41 $13,365,000 $325,976 $8,024 2.88%
MOUNT VERNON-ANACORTES, WA 41 $13,015,000 $317,439 $7,616 2.78%
LONGVIEW, WA 46 $12,800,000 $278,261 $7,364 2.82%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 48 $12,680,000 $264,167 $4,671 2.82%
NAPLES-MARCO ISLAND, FL 40 $12,570,000 $314,250 $6,370 3.03%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 48 $11,700,000 $243,750 $6,461 2.86%
PORT ST. LUCIE, FL 45 $11,625,000 $258,333 $6,743 2.89%
GRAND RAPIDS-KENTWOOD, MI 43 $11,305,000 $262,907 $5,453 2.92%
ELIZABETHTOWN-FORT KNOX, KY 42 $11,290,000 $268,810 $4,210 2.88%
AKRON, OH 43 $11,005,000 $255,930 $6,085 3.17%
WINCHESTER, VA-WV 35 $10,915,000 $311,857 $5,967 2.88%
SANTA MARIA-SANTA BARBARA, CA 29 $10,905,000 $376,034 $6,474 2.75%
GREENSBORO-HIGH POINT, NC 43 $10,885,000 $253,140 $5,005 2.90%
BEND, OR 26 $10,810,000 $415,769 $8,116 2.85%
SHREVEPORT-BOSSIER CITY, LA 43 $10,785,000 $250,814 $5,482 2.89%
LAKE HAVASU CITY-KINGMAN, AZ 38 $10,740,000 $282,632 $6,300 2.81%
COLUMBUS, GA-AL 42 $10,610,000 $252,619 $4,613 2.85%
SANTA ROSA-PETALUMA, CA 27 $10,565,000 $391,296 $7,639 2.87%
KILLEEN-TEMPLE, TX 41 $10,235,000 $249,634 $4,359 2.67%
MONTGOMERY, AL 41 $10,145,000 $247,439 $4,173 2.72%
SANTA FE, NM 27 $9,885,000 $366,111 $8,033 3.09%
MADISON, WI 37 $9,815,000 $265,270 $5,633 2.76%
BUFFALO-CHEEKTOWAGA, NY 36 $9,700,000 $269,444 $5,415 2.75%
REDDING, CA 31 $9,535,000 $307,581 $5,311 2.81%
WINSTON-SALEM, NC 39 $9,335,000 $239,359 $4,311 3.09%
WARNER ROBINS, GA 36 $9,250,000 $256,944 $4,461 2.72%
WENATCHEE, WA 25 $8,995,000 $359,800 $7,558 2.70%
FAIRBANKS, AK 32 $8,960,000 $280,000 $5,904 2.81%
SPRINGFIELD, MO 32 $8,910,000 $278,438 $4,630 2.62%
HILTON HEAD ISLAND-BLUFFTON, SC 25 $8,895,000 $355,800 $6,966 2.81%
DETROIT-DEARBORN-LIVONIA, MI 33 $8,475,000 $256,818 $4,668 3.03%
FLAGSTAFF, AZ 25 $8,445,000 $337,800 $7,128 3.10%
LAWTON, OK 34 $8,220,000 $241,765 $4,956 2.76%
CALIFORNIA-LEXINGTON PARK, MD 26 $8,220,000 $316,154 $6,216 2.60%
GREENVILLE-ANDERSON, SC 30 $8,210,000 $273,667 $5,365 2.97%
CHARLOTTESVILLE, VA 26 $8,170,000 $314,231 $5,605 2.71%
NEW HAVEN-MILFORD, CT 28 $7,920,000 $282,857 $5,792 2.82%
VISALIA, CA 31 $7,915,000 $255,323 $4,933 2.97%
DAPHNE-FAIRHOPE-FOLEY, AL 31 $7,895,000 $254,677 $6,449 2.97%
JACKSON, MS 29 $7,745,000 $267,069 $4,455 2.77%
YAKIMA, WA 30 $7,720,000 $257,333 $6,702 2.76%
GAINESVILLE, GA 30 $7,700,000 $256,667 $5,289 3.14%
SANTA CRUZ-WATSONVILLE, CA 15 $7,545,000 $503,000 $7,948 2.94%
PANAMA CITY, FL 28 $7,450,000 $266,071 $5,479 3.22%
HINESVILLE, GA 35 $7,355,000 $210,143 $4,828 2.90%
ROANOKE, VA 36 $7,300,000 $202,778 $5,534 3.00%
TOLEDO, OH 26 $7,230,000 $278,077 $5,296 3.14%
BLACKSBURG-CHRISTIANSBURG, VA 36 $7,170,000 $199,167 $4,714 2.99%
YUBA CITY, CA 22 $7,100,000 $322,727 $6,173 2.63%
OCALA, FL 23 $6,935,000 $301,522 $7,604 2.90%
THE VILLAGES, FL 23 $6,925,000 $301,087 $8,587 2.79%
WILMINGTON, NC 24 $6,890,000 $287,083 $7,159 2.88%
SIERRA VISTA-DOUGLAS, AZ 27 $6,845,000 $253,519 $6,370 2.81%
HARRISBURG-CARLISLE, PA 28 $6,720,000 $240,000 $5,814 2.92%
GULFPORT-BILOXI, MS 28 $6,670,000 $238,214 $5,772 2.66%
BILLINGS, MT 24 $6,590,000 $274,583 $6,091 2.78%
ALBANY-LEBANON, OR 26 $6,550,000 $251,923 $6,958 2.83%
MERCED, CA 23 $6,415,000 $278,913 $4,629 2.86%
NORWICH-NEW LONDON, CT 23 $6,315,000 $274,565 $5,932 2.76%
LYNCHBURG, VA 23 $6,215,000 $270,217 $5,035 2.74%
LINCOLN, NE 24 $6,200,000 $258,333 $5,418 2.85%
PUNTA GORDA, FL 24 $6,160,000 $256,667 $6,081 2.84%
TALLAHASSEE, FL 20 $5,970,000 $298,500 $6,632 2.88%
CHATTANOOGA, TN-GA 28 $5,920,000 $211,429 $4,606 3.02%
BURLINGTON-SOUTH BURLINGTON, VT 22 $5,890,000 $267,727 $5,878 2.74%
LOGAN, UT-ID 21 $5,835,000 $277,857 $8,156 2.83%
GRAND JUNCTION, CO 23 $5,775,000 $251,087 $5,890 3.00%
FARGO, ND-MN 22 $5,640,000 $256,364 $4,198 2.64%
DULUTH, MN-WI 20 $5,620,000 $281,000 $3,893 2.86%
RACINE, WI 23 $5,505,000 $239,348 $5,512 3.11%
GRANTS PASS, OR 18 $5,480,000 $304,444 $5,836 2.85%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 23 $5,355,000 $232,826 $4,484 2.77%
LAS CRUCES, NM 22 $5,330,000 $242,273 $4,816 2.83%
CHICO, CA 17 $5,265,000 $309,706 $6,927 2.79%
PUEBLO, CO 19 $5,105,000 $268,684 $8,310 2.99%
MADERA, CA 18 $5,070,000 $281,667 $6,143 2.76%
SAN RAFAEL, CA 10 $5,030,000 $503,000 $8,266 2.83%
MANHATTAN, KS 23 $4,955,000 $215,435 $5,131 2.92%
SEBASTIAN-VERO BEACH, FL 17 $4,945,000 $290,882 $7,059 2.93%
HANFORD-CORCORAN, CA 17 $4,915,000 $289,118 $4,567 2.72%
YORK-HANOVER, PA 19 $4,835,000 $254,474 $7,399 2.79%
TRENTON-PRINCETON, NJ 19 $4,815,000 $253,421 $7,148 3.04%
BISMARCK, ND 14 $4,780,000 $341,429 $6,663 2.69%
ATLANTIC CITY-HAMMONTON, NJ 19 $4,775,000 $251,316 $7,262 2.84%
SIOUX FALLS, SD 20 $4,760,000 $238,000 $5,085 2.69%
LEBANON, PA 15 $4,755,000 $317,000 $9,350 2.83%
MOBILE, AL 18 $4,710,000 $261,667 $5,448 2.72%
LAFAYETTE, LA 20 $4,700,000 $235,000 $4,697 2.81%
KINGSTON, NY 17 $4,605,000 $270,882 $5,988 2.78%
NAPA, CA 9 $4,525,000 $502,778 $6,953 2.94%
LEXINGTON-FAYETTE, KY 19 $4,365,000 $229,737 $5,478 2.86%
YUMA, AZ 18 $4,320,000 $240,000 $4,158 2.74%
ANN ARBOR, MI 15 $4,315,000 $287,667 $5,774 2.81%
ROCHESTER, MN 16 $4,310,000 $269,375 $4,167 2.81%
TUSCALOOSA, AL 18 $4,310,000 $239,444 $5,626 3.11%
HUNTINGTON-ASHLAND, WV-KY-OH 17 $4,265,000 $250,882 $5,160 2.74%
VALDOSTA, GA 17 $4,215,000 $247,941 $5,337 2.95%
OCEAN CITY, NJ 12 $4,130,000 $344,167 $8,320 3.34%
LANCASTER, PA 16 $4,030,000 $251,875 $8,978 3.16%
HOMOSASSA SPRINGS, FL 17 $3,995,000 $235,000 $5,252 2.90%
HICKORY-LENOIR-MORGANTON, NC 14 $3,910,000 $279,286 $5,471 2.72%
NILES, MI 14 $3,840,000 $274,286 $4,352 3.04%
MISSOULA, MT 12 $3,810,000 $317,500 $6,363 2.79%
SPARTANBURG, SC 15 $3,725,000 $248,333 $6,638 2.81%
NEW BERN, NC 13 $3,715,000 $285,769 $4,481 2.85%
FORT WAYNE, IN 16 $3,710,000 $231,875 $5,438 2.93%
ALEXANDRIA, LA 13 $3,585,000 $275,769 $5,588 2.76%
JOHNSON CITY, TN 11 $3,545,000 $322,273 $6,493 2.83%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 14 $3,470,000 $247,857 $5,258 3.07%
CASPER, WY 13 $3,455,000 $265,769 $6,331 2.81%
GREEN BAY, WI 16 $3,440,000 $215,000 $4,248 2.95%
ROCKFORD, IL 19 $3,415,000 $179,737 $5,122 3.00%
STAUNTON, VA 11 $3,395,000 $308,636 $4,583 2.84%
BURLINGTON, NC 14 $3,370,000 $240,714 $5,705 3.13%
ATHENS-CLARKE COUNTY, GA 13 $3,365,000 $258,846 $4,602 3.06%
DOTHAN, AL 14 $3,340,000 $238,571 $3,726 2.68%
CARSON CITY, NV 13 $3,335,000 $256,538 $4,920 2.90%
KANKAKEE, IL 15 $3,335,000 $222,333 $4,371 3.18%
CANTON-MASSILLON, OH 11 $3,205,000 $291,364 $6,104 3.14%
SCRANTON--WILKES-BARRE, PA 13 $3,175,000 $244,231 $8,536 3.30%
EL PASO, TX 13 $3,125,000 $240,385 $5,625 2.86%
COLUMBIA, MO 13 $3,095,000 $238,077 $4,054 2.83%
SPRINGFIELD, OH 13 $3,065,000 $235,769 $6,263 2.88%
LEWISTON, ID-WA 13 $3,065,000 $235,769 $6,216 3.22%
CEDAR RAPIDS, IA 11 $3,055,000 $277,727 $4,437 2.76%
EAST STROUDSBURG, PA 13 $3,055,000 $235,000 $5,582 3.04%
GREENVILLE, NC 13 $3,055,000 $235,000 $6,061 2.74%
LANSING-EAST LANSING, MI 14 $3,050,000 $217,857 $6,765 2.94%
CORVALLIS, OR 10 $2,970,000 $297,000 $4,848 2.91%
RAPID CITY, SD 12 $2,960,000 $246,667 $5,558 2.86%
TOPEKA, KS 10 $2,960,000 $296,000 $7,663 2.93%
MICHIGAN CITY-LA PORTE, IN 11 $2,935,000 $266,818 $4,081 3.08%
GETTYSBURG, PA 12 $2,860,000 $238,333 $5,033 2.93%
ST. CLOUD, MN 12 $2,840,000 $236,667 $4,011 3.06%
IDAHO FALLS, ID 12 $2,790,000 $232,500 $4,834 2.75%
PEORIA, IL 12 $2,770,000 $230,833 $4,636 2.86%
GREAT FALLS, MT 12 $2,680,000 $223,333 $4,613 2.83%
FLINT, MI 11 $2,575,000 $234,091 $6,814 3.03%
ELKHART-GOSHEN, IN 11 $2,575,000 $234,091 $4,349 2.74%
JONESBORO, AR 10 $2,530,000 $253,000 $3,787 3.20%
WICHITA, KS 11 $2,505,000 $227,727 $5,906 2.78%
SYRACUSE, NY 10 $2,490,000 $249,000 $7,486 2.96%
FORT SMITH, AR-OK 11 $2,455,000 $223,182 $3,680 2.56%
ANNISTON-OXFORD, AL 9 $2,435,000 $270,556 $5,638 3.00%
GRAND FORKS, ND-MN 8 $2,340,000 $292,500 $2,789 2.80%
BANGOR, ME 10 $2,340,000 $234,000 $5,255 2.74%
MONROE, MI 11 $2,335,000 $212,273 $5,832 3.14%
FARMINGTON, NM 9 $2,325,000 $258,333 $4,215 2.67%
GOLDSBORO, NC 13 $2,285,000 $175,769 $4,496 2.96%
CHARLESTON, WV 9 $2,245,000 $249,444 $6,950 2.75%
MORGANTOWN, WV 7 $2,235,000 $319,286 $4,821 2.50%
SUMTER, SC 8 $2,170,000 $271,250 $4,557 2.92%
LA CROSSE-ONALASKA, WI-MN 8 $2,140,000 $267,500 $3,803 2.81%
OSHKOSH-NEENAH, WI 8 $2,140,000 $267,500 $5,036 2.63%
COLUMBUS, IN 7 $2,055,000 $293,571 $8,816 2.95%
WATERTOWN-FORT DRUM, NY 9 $2,055,000 $228,333 $4,082 2.81%
GLENS FALLS, NY 7 $2,045,000 $292,143 $5,480 2.88%
ST. JOSEPH, MO-KS 8 $2,040,000 $255,000 $4,570 2.73%
CAPE GIRARDEAU, MO-IL 8 $2,040,000 $255,000 $3,456 2.62%
KINGSPORT-BRISTOL, TN-VA 7 $2,025,000 $289,286 $5,452 2.86%
BOWLING GREEN, KY 7 $2,005,000 $286,429 $3,967 2.89%
HOT SPRINGS, AR 9 $2,005,000 $222,778 $4,220 2.98%
AUBURN-OPELIKA, AL 9 $1,995,000 $221,667 $5,520 2.81%
APPLETON, WI 8 $1,960,000 $245,000 $5,517 2.73%
WALLA WALLA, WA 8 $1,950,000 $243,750 $5,727 2.78%
EVANSVILLE, IN-KY 8 $1,920,000 $240,000 $6,148 3.03%
HOUMA-THIBODAUX, LA 8 $1,910,000 $238,750 $5,101 2.69%
ROCHESTER, NY 8 $1,870,000 $233,750 $6,484 2.81%
EAU CLAIRE, WI 6 $1,870,000 $311,667 $4,309 2.77%
CHAMBERSBURG-WAYNESBORO, PA 8 $1,860,000 $232,500 $6,970 2.67%
IOWA CITY, IA 8 $1,850,000 $231,250 $4,609 2.88%
ROCKY MOUNT, NC 7 $1,845,000 $263,571 $5,570 2.98%
MORRISTOWN, TN 7 $1,825,000 $260,714 $5,450 3.04%
CORPUS CHRISTI, TX 7 $1,825,000 $260,714 $4,239 2.95%
MONROE, LA 6 $1,800,000 $300,000 $6,006 2.81%
UTICA-ROME, NY 7 $1,795,000 $256,429 $9,519 2.88%
BRUNSWICK, GA 7 $1,765,000 $252,143 $6,523 2.95%
READING, PA 7 $1,755,000 $250,714 $5,305 3.14%
FLORENCE, SC 8 $1,720,000 $215,000 $4,164 2.89%
TERRE HAUTE, IN 7 $1,645,000 $235,000 $5,455 2.95%
BATTLE CREEK, MI 7 $1,625,000 $232,143 $3,622 2.82%
MANKATO, MN 6 $1,610,000 $268,333 $5,703 3.00%
SIOUX CITY, IA-NE-SD 7 $1,605,000 $229,286 $4,213 2.84%
LAKE CHARLES, LA 7 $1,585,000 $226,429 $3,387 2.66%
SPRINGFIELD, IL 7 $1,585,000 $226,429 $4,387 2.75%
SOUTH BEND-MISHAWAKA, IN-MI 9 $1,575,000 $175,000 $3,326 2.51%
HAMMOND, LA 5 $1,565,000 $313,000 $5,846 3.03%
GAINESVILLE, FL 6 $1,560,000 $260,000 $6,284 3.17%
AMES, IA 5 $1,555,000 $311,000 $5,923 3.03%
ERIE, PA 5 $1,535,000 $307,000 $7,725 3.33%
EL CENTRO, CA 6 $1,520,000 $253,333 $5,299 2.90%
MUSKEGON, MI 6 $1,520,000 $253,333 $5,570 2.85%
MACON-BIBB COUNTY, GA 6 $1,500,000 $250,000 $5,251 2.75%
SHEBOYGAN, WI 6 $1,500,000 $250,000 $4,132 2.81%
WAUSAU-WESTON, WI 7 $1,475,000 $210,714 $9,999 3.09%
WACO, TX 6 $1,470,000 $245,000 $4,411 2.81%
CHAMPAIGN-URBANA, IL 6 $1,420,000 $236,667 $3,467 2.85%
KALAMAZOO-PORTAGE, MI 5 $1,415,000 $283,000 $5,110 2.75%
DECATUR, AL 5 $1,305,000 $261,000 $6,904 2.55%
MANSFIELD, OH 7 $1,285,000 $183,571 $3,511 2.80%
BECKLEY, WV 4 $1,280,000 $320,000 $8,382 2.56%
LAFAYETTE-WEST LAFAYETTE, IN 6 $1,260,000 $210,000 $4,638 2.67%
DUBUQUE, IA 4 $1,240,000 $310,000 $5,030 2.56%
VINELAND-BRIDGETON, NJ 5 $1,235,000 $247,000 $6,452 2.93%
TWIN FALLS, ID 4 $1,230,000 $307,500 $6,907 2.91%
PITTSFIELD, MA 5 $1,205,000 $241,000 $5,505 3.38%
ODESSA, TX 5 $1,195,000 $239,000 $6,446 3.40%
PARKERSBURG-VIENNA, WV 5 $1,195,000 $239,000 $5,367 2.90%
COLLEGE STATION-BRYAN, TX 5 $1,185,000 $237,000 $4,865 2.70%
WHEELING, WV-OH 5 $1,165,000 $233,000 $3,076 2.80%
ALBANY, GA 5 $1,155,000 $231,000 $3,207 2.95%
JACKSON, MI 5 $1,155,000 $231,000 $4,841 2.75%
JOPLIN, MO 5 $1,135,000 $227,000 $3,726 2.38%
LEWISTON-AUBURN, ME 5 $1,115,000 $223,000 $6,070 2.55%
JANESVILLE-BELOIT, WI 5 $1,115,000 $223,000 $5,438 2.83%
MUNCIE, IN 4 $1,080,000 $270,000 $4,345 2.50%
CARBONDALE-MARION, IL 3 $1,005,000 $335,000 $7,508 2.46%
BEAUMONT-PORT ARTHUR, TX 5 $995,000 $199,000 $4,794 3.25%
JACKSON, TN 3 $995,000 $331,667 $9,577 3.17%
TEXARKANA, TX-AR 4 $990,000 $247,500 $3,843 3.00%
CLEVELAND, TN 4 $980,000 $245,000 $1,326 2.75%
STATE COLLEGE, PA 3 $945,000 $315,000 $12,226 2.58%
HATTIESBURG, MS 3 $895,000 $298,333 $2,856 2.83%
SHERMAN-DENISON, TX 3 $885,000 $295,000 $10,977 2.79%
GRAND ISLAND, NE 4 $860,000 $215,000 $3,115 2.63%
ITHACA, NY 3 $815,000 $271,667 $2,474 2.79%
WILLIAMSPORT, PA 4 $780,000 $195,000 $5,282 2.44%
SEBRING-AVON PARK, FL 4 $770,000 $192,500 $4,084 2.72%
WATERLOO-CEDAR FALLS, IA 3 $655,000 $218,333 $9,402 2.75%
ROME, GA 3 $645,000 $215,000 $3,802 3.17%
ENID, OK 3 $585,000 $195,000 $4,736 2.58%
BLOOMINGTON, IL 3 $565,000 $188,333 $6,104 2.96%
CUMBERLAND, MD-WV 2 $550,000 $275,000 $5,215 2.50%
LUBBOCK, TX 2 $540,000 $270,000 $3,336 2.75%
LIMA, OH 3 $535,000 $178,333 $5,888 2.67%
FOND DU LAC, WI 2 $520,000 $260,000 $6,192 2.75%
KOKOMO, IN 2 $510,000 $255,000 $7,178 3.06%
AMARILLO, TX 2 $470,000 $235,000 $3,573 3.13%
DECATUR, IL 2 $450,000 $225,000 $3,969 2.75%
BINGHAMTON, NY 5 $435,000 $87,000 $5,938 2.89%
MIDLAND, MI 2 $420,000 $210,000 $4,000 2.75%
ABILENE, TX 2 $380,000 $190,000 $2,633 2.69%
Outside of Metro Areas 1 $375,000 $375,000 $6,346 2.25%
ELMIRA, NY 1 $375,000 $375,000 $3,121 2.25%
ALTOONA, PA 1 $335,000 $335,000 $14,785 3.13%
MIDLAND, TX 1 $315,000 $315,000 $0 2.75%
TYLER, TX 1 $285,000 $285,000 $3,135 2.75%
LAREDO, TX 1 $275,000 $275,000 $7,708 2.75%
HARRISONBURG, VA 1 $265,000 $265,000 $7,341 3.00%
LONGVIEW, TX 1 $245,000 $245,000 $7,414 2.63%
JEFFERSON CITY, MO 1 $225,000 $225,000 $2,529 2.50%
DANVILLE, IL 2 $200,000 $100,000 $3,413 4.13%
FLORENCE-MUSCLE SHOALS, AL 1 $195,000 $195,000 $6,561 3.38%
DALTON, GA 1 $195,000 $195,000 $6,538 3.75%
BLOOMSBURG-BERWICK, PA 1 $185,000 $185,000 $6,841 2.25%
BROWNSVILLE-HARLINGEN, TX 1 $185,000 $185,000 $4,012 2.75%
WICHITA FALLS, TX 1 $185,000 $185,000 $6,932 2.75%
SAGINAW, MI 1 $185,000 $185,000 $1,881 2.75%
JOHNSTOWN, PA 1 $175,000 $175,000 $4,445 2.75%
BAY CITY, MI 1 $165,000 $165,000 $3,112 2.88%
PINE BLUFF, AR 1 $165,000 $165,000 $3,260 2.25%
MCALLEN-EDINBURG-MISSION, TX 1 $155,000 $155,000 $3,312 2.75%
WEIRTON-STEUBENVILLE, WV-OH 1 $145,000 $145,000 $3,891 3.25%

The Federal Savings Bank's top markets include Chicago, New York, Washington, Phoenix, and Nassau County among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 17,155 $5,514,645,000 $321,460
3-4% 10,122 $3,058,880,000 $302,201
<2.5% 8,194 $2,828,310,000 $345,168
4-5% 935 $273,405,000 $292,412
5-6% 83 $20,515,000 $247,169
7-8% 2 $1,570,000 $785,000
6-7% 1 $175,000 $175,000

During 2020, The Federal Savings Bank's average interest rate was 2.92%, while their most frequently originated rate bucket was 2.5-3%, with 17,155 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 22,278 $6,325,490,000 $283,934 $5,953 2.89%
$400k-600k 6,389 $3,019,925,000 $472,676 $6,752 2.84%
$100k-200k 5,734 $956,970,000 $166,894 $4,655 3.06%
$600k-1MM 1,761 $1,266,575,000 $719,236 $10,884 2.86%
$100,000 or less 245 $19,785,000 $80,755 $3,750 3.60%
$1MM+ 85 $108,755,000 $1,279,471 $15,466 3.00%

2020 saw The Federal Savings Bank place emphasis on $200k-400k loans with 22,278 originations, totaling $6,325,490,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 5,018 $1,260,940,000 $251,283 $7,395 3.11%
$100k-150k 4,931 $1,772,495,000 $359,460 $7,710 3.06%
$75k-100k 4,232 $1,278,740,000 $302,160 $7,638 3.09%
$150k-250k 2,967 $1,230,155,000 $414,612 $7,069 3.09%
$50k or less 2,470 $484,420,000 $196,121 $6,822 3.17%
$250k+ 949 $446,725,000 $470,732 $6,181 3.08%

The Federal Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 5,018 originations. The second most popular income band? $100k-150k, with 4,931 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 3,497 $1,082,615,000 $309,584 $5,640 3.02%
30-36% 3,284 $1,005,380,000 $306,145 $6,560 3.09%
50-60% 2,046 $678,890,000 $331,813 $11,410 3.07%
44% 1,072 $329,770,000 $307,621 $7,473 3.23%
<20% 991 $307,655,000 $310,449 $4,675 2.95%
43% 953 $303,045,000 $317,991 $7,308 3.15%
42% 879 $282,085,000 $320,916 $7,750 3.18%
49% 824 $267,110,000 $324,163 $8,133 3.13%
41% 784 $237,570,000 $303,023 $7,014 3.17%
40% 752 $235,980,000 $313,803 $7,205 3.16%
39% 717 $221,735,000 $309,254 $7,175 3.12%
45% 713 $229,735,000 $322,209 $7,698 3.11%
37% 690 $215,830,000 $312,797 $7,000 3.11%
38% 671 $208,405,000 $310,589 $7,173 3.16%
46% 642 $205,800,000 $320,561 $7,880 3.11%
48% 637 $207,575,000 $325,863 $8,373 3.10%
47% 618 $207,410,000 $335,615 $8,394 3.14%
36% 586 $179,650,000 $306,570 $6,918 3.14%
>60% 110 $46,580,000 $423,455 $13,722 3.06%

The Federal Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 3,497 originations. The next most common DTI ratio? 30-36%, with 3,284 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 18,929 $5,950,085,000 $314,337 $5,922 2.97%
Not provided 13,261 $4,292,375,000 $323,684 $6,106 2.81%
Black 3,068 $998,130,000 $325,336 $7,564 2.99%
Asian 960 $365,620,000 $380,854 $6,351 2.90%
American Indian 155 $44,695,000 $288,355 $6,695 2.98%
Native Hawaiian 96 $37,940,000 $395,208 $8,143 2.86%
Asian Indian 9 $3,065,000 $340,556 $2,636 3.08%
Other Asian 6 $2,470,000 $411,667 $5,217 2.90%
Chinese 2 $980,000 $490,000 $10,469 3.25%
Japanese 2 $770,000 $385,000 $6,877 2.82%
Filipino 2 $540,000 $270,000 $8,888 2.31%
1 $445,000 $445,000 $11,106 2.25%
Guamanian 1 $385,000 $385,000 $4,162 4.00%

Approval Rates

Total approvals of all applications
93.57%

The Federal Savings Bank has an average approval rate.

Pick Rate

Approvals leading to origination
69.48%

The Federal Savings Bank 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 36,492 $11,697,500,000 $320,550

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 202 $43,780,000 $216,733
Single Family (1-4 Units):Site-Built 36,290 $11,653,720,000 $321,128

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 683 $190,095,000 $278,324 $4,889 2.83%
40-60% 4,157 $1,298,565,000 $312,380 $5,075 2.82%
60-80% 15,007 $4,804,695,000 $320,164 $5,366 2.89%
80-100% 16,228 $5,250,220,000 $323,528 $7,024 2.96%
Over 100% 383 $145,735,000 $380,509 $11,075 2.82%
Under 20% 34 $8,190,000 $240,882 $5,278 3.07%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
The Federal Savings Bank 300 North Elizabeth Street, Floor 3e Chicago, IL 60607 Full Service B&M $764,733
The Federal Savings Bank 664 N Western Ave Lake Forest, IL 60045 Full Service B&M $195,959

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $26,173
Net interest income $12,044
Total noninterest income $551,174
Gross Fiduciary activities income $0
Service charges on deposit accounts $52
Trading account gains and fees $0
Additional Noninterest Income $551,122
Pre-tax net operating income $153,402
Securities gains (or losses, -) $0
Income before extraordinary items $116,340
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $116,340
Minority interest net income $0
Net income $116,340
Sale, conversion, retirement of capital stock, net $0
Net operating income $116,340

Bank Expenses

Item Value (in 000's)
Total interest expense $14,129
Provision for credit losses $1,660
Total noninterest expense $408,156
Salaries and employee benefits $300,641
Premises and equipment expense $6,465
Additional noninterest expense $101,050
Applicable income taxes $37,062
Net charge-offs $395
Cash dividends $61,500

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 5.0%
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 $1,185,616
Deposits held in domestic offices $1,185,616
Deposits by Individuals, partnerships, and corporations $1,140,058
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $821
Deposits by Commercial banks and other depository institutions in U.S. $44,737
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $120,862
Demand deposits $115,298
Nontransaction accounts $1,064,754
Money market deposit accounts (MMDAs) $140,701
Other savings deposits (excluding MMDAs) $2,136
Total time deposits $921,918
Total time and savings deposits $1,070,318
Noninterest-bearing deposits $115,298
Interest-bearing deposits $1,070,318
Retail deposits $500,164
IRAs and Keogh plan accounts $25,906
Brokered deposits $594,898
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $1,419,636
Cash & Balances due from depository institutions $61,960
Interest-bearing balances $55,771
Total securities $5,862
Federal funds sold & reverse repurchase $0
Net loans and leases $1,276,971
Loan and leases loss allowance $2,437
Trading account assets $0
Bank premises and fixed assets $7,611
Other real estate owned $0
Goodwill and other intangibles $25,169
All other assets $42,063

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $1,419,636
Total Liabilities $1,258,997
Total deposits $1,185,616
Interest-bearing deposits $1,070,318
Deposits held in domestic offices $1,185,616
% insured (estimated) $79
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $4,000
Subordinated debt $0
All other liabilities $69,381

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,276,971
Loan and leases loss allowance $2,437
Total loans and leases (domestic) $1,279,408
All real estate loans $1,262,992
Real estate loans in domestic offices $1,262,992
Construction and development loans $31,609
Residential 1-4 family construction $31,609
Other construction, all land development and other land $0
Loans secured by nonfarm nonresidential properties $890
Nonfarm nonresidential secured by owner-occupied properties $0
Commercial real estate & other non-farm, non-residential $890
Multifamily residential real estate $4,630
1-4 family residential loans $1,225,863
Farmland loans $0
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $160
To non-U.S. addressees $0
Loans to individuals $16,250
Credit card loans $0
Related Plans $5
Consumer Auto Loans $0
Other loans to individuals $16,245
All other loans & leases $6
Loans to foreign governments and official institutions $0
Other loans $6
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

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 3 $890 $296,667
Nonfarm, nonresidential loans - $100-250k 1 $144 $144,000
Nonfarm, nonresidential loans - $250k-1MM 2 $746 $373,000
Commercial & Industrial, US addressed loans - <$1MM 2 $160 $80,000
Commercial & Industrial, US addressed loans - <$100k 1 $22 $22,000
Commercial & Industrial, US addressed loans - $100-250k 1 $138 $138,000