Central Bank Mortgage Rates, Fees & Info

Lexington, KY

LEI: 549300C5GU86M1X2DG56

Tax ID: 61-0153605

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
  • Complaints
  • 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

    Central Bank is a smaller bank specializing in Home Purchase loans. Central Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Lexington, Louisville, Cincinnati, Richmond, and Key West among others. We have data for 39 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Central Bank 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. Central Bank 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
    Home Equity Line of Credit (HELOC) 5.85% 12/16/24
    30 Year Conventional Purchase 6.39% 12/16/24
    30 Year Conventional Refi 6.47% 12/16/24
    30 Year Cash-out Refi 6.48% 12/16/24
    30 Year FHA Purchase 7.04% 12/16/24
    30 Year FHA Refi 6.39% 12/16/24
    30 Year VA Purchase 5.72% 12/16/24
    30 Year USDA Purchase 6.53% 12/16/24
    15 Year Conventional Purchase 5.84% 12/16/24
    15 Year Conventional Refi 5.97% 12/16/24
    15 Year Cash-out Refi 5.97% 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.

    Central Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Central Bank. 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

    1,646

    Origination Dollar Volume (All Markets)

    $456,930,000

    Employee count

    498 Show all (20) 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
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1,094 $239,160,000 $218,611 $2,080 4.71%
    LOUISVILLE, KY (FHA|USDA|VA) 176 $134,120,000 $762,045 $2,330 4.77%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 171 $36,835,000 $215,409 $2,382 4.71%
    Richmond-Berea, KY (FHA|USDA|VA) 66 $11,140,000 $168,788 $2,156 4.73%
    Outside of Metro Areas 61 $11,005,000 $180,410 $2,202 4.66%
    Key West, FL (FHA|USDA|VA) 1 $6,005,000 $6,005,000 $20,342 4.25%
    Frankfort, KY (FHA|USDA|VA) 19 $5,065,000 $266,579 $2,606 4.88%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $2,275,000 $2,275,000 $12,070 4.63%
    Mount Sterling, KY (FHA|USDA|VA) 13 $1,415,000 $108,846 $1,762 4.59%
    Danville, KY (FHA|USDA|VA) 8 $1,280,000 $160,000 $1,472 4.39%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $1,030,000 $515,000 $4,942 4.56%
    BOWLING GREEN, KY (FHA|USDA|VA) 3 $915,000 $305,000 $2,717 4.58%
    Okeechobee, FL (FHA|USDA|VA) 1 $725,000 $725,000 $0 5.60%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $670,000 $335,000 $2,803 4.25%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $455,000 $455,000 $4,361 4.63%
    Glasgow, KY (FHA|USDA|VA) 1 $445,000 $445,000 $1,786 4.63%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $345,000 $345,000 $5,034 4.13%
    Somerset, KY (FHA|USDA|VA) 2 $320,000 $160,000 $1,185 4.44%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $305,000 $305,000 $6,468 4.00%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $285,000 $285,000 $1,242 4.75%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $265,000 $265,000 $1,116 4.88%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $265,000 $265,000 $2,226 4.88%
    Maysville, KY (FHA|USDA|VA) 2 $260,000 $130,000 $2,189 4.81%
    London, KY (FHA|USDA|VA) 1 $255,000 $255,000 $1,300 4.38%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $245,000 $245,000 $8,956 4.13%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,422 5.00%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $225,000 $225,000 $2,717 4.63%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $205,000 $205,000 $1,532 4.00%
    Athens, OH (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.63%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $185,000 $185,000 $3,107 5.25%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,968 4.50%
    COLUMBUS, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.75%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $115,000 $115,000 $1,701 5.00%
    Bardstown, KY (FHA|USDA|VA) 2 $100,000 $50,000 $0 4.88%
    Sevierville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $1,949 5.13%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.25%
    Marion, IN (FHA|USDA|VA) 1 $65,000 $65,000 $1,335 4.00%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.25%
    Union City, TN (FHA|USDA|VA) 1 $35,000 $35,000 $2,008 3.50%
    Central Bank's top markets include Lexington, Louisville, Cincinnati, Richmond, and Key West among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)

    • Similar Lenders

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

    Town Square Bank
    Similarity Rank: 90
    MIAMI UNIVERSITY COMMUNITY
    Similarity Rank: 120
    The Peoples Bank
    Similarity Rank: 120
    CINCINNATI OHIO POLICE
    Similarity Rank: 172
    City National Bank of West Virginia
    Similarity Rank: 190
    Peoples Exchange Bank
    Similarity Rank: 315
    RIVER VALLEY CREDIT UNION, INC.
    Similarity Rank: 324
    Bank of Lexington, Inc.
    Similarity Rank: 324
    First Harrison Bank
    Similarity Rank: 357
    CLASS ACT FEDERAL CREDIT UNION
    Similarity Rank: 357

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 858 $369,100,000 $430,186 $1,858 4.66%
    HELOC 636 $61,050,000 $95,991 n/a 4.91%
    FHA 89 $14,355,000 $161,292 $3,564 4.21%
    VA 37 $9,095,000 $245,811 $5,309 4.07%
    USDA 25 $3,235,000 $129,400 $1,856 4.08%
    VA 1 $95,000 $95,000 $0 4.75%

    For 2018, Central Bank's most frequently originated type of loan was Conventional, with 858 originations. Their 2nd most popular type was HELOC, with 636 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 820 $334,680,000 $408,146 $2,143 4.62%
    Refi 326 $70,320,000 $215,706 $2,371 4.73%
    Other 292 $25,420,000 $87,055 $2,044 4.89%
    Home Improvement 125 $9,055,000 $72,440 $2,194 5.00%
    Cash Out Refi 83 $17,455,000 $210,301 $2,418 4.46%

    For 2018, Central Bank's most frequently cited loan purpose was Home Purchase, with 820 originations. The 2nd most popular reason was Refi, with 326 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 727 $179,125,000 $246,389 $2,317 4.50%
    10 Year 527 $33,935,000 $64,393 $1,934 4.91%
    5 Year 202 $150,660,000 $745,842 $10 5.06%
    15 Year 93 $19,205,000 $206,505 $1,803 4.08%
    1 Year 38 $8,460,000 $222,632 $1,459 5.19%
    Other 30 $58,350,000 $1,945,000 $1,016 5.21%
    20 Year 15 $2,905,000 $193,667 $1,893 4.50%
    3 Year 14 $4,290,000 $306,429 $10 5.20%

    For 2018, Central Bank's most frequently cited loan duration was 30 Year, with 727 originations. The 2nd most popular length was 10 Year, with 527 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 810 $198,610,000 $245,198
    $1k-2k 12 $3,220,000 $268,333
    $2k-3k 5 $1,425,000 $285,000
    $3k-4k 2 $830,000 $415,000

    Central Bank's average total fees were $2,317, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 810 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,168 $327,630,000 $280,505
    5-6% 304 $92,540,000 $304,408
    3-4% 170 $36,220,000 $213,059
    6-7% 3 $525,000 $175,000
    7-8% 1 $15,000 $15,000

    During 2018, Central Bank's average interest rate for loans was 4.50%, while their most frequently originated rate bucket for loans was 4-5%, with 1,168 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 607 $31,085,000 $51,211 $1,277 4.91%
    $100k-200k 503 $71,825,000 $142,793 $2,059 4.61%
    $200k-400k 392 $107,350,000 $273,852 $2,461 4.58%
    $400k-600k 97 $44,795,000 $461,804 $2,453 4.50%
    $600k-1MM 29 $20,435,000 $704,655 $2,219 4.72%
    $1MM+ 18 $181,440,000 $10,080,000 $7,042 4.79%

    2018 saw Central Bank place emphasis on $100,000 or less loans with 607 originations, totaling $31,085,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 303 $53,485,000 $176,518 $2,351 4.72%
    $50k-75k 279 $34,695,000 $124,355 $2,047 4.64%
    $50k or less 263 $25,635,000 $97,471 $1,932 4.63%
    $150k-250k 238 $52,180,000 $219,244 $2,198 4.67%
    $75k-100k 233 $35,555,000 $152,597 $2,524 4.68%
    $250k+ 201 $72,725,000 $361,816 $2,275 4.67%

    Central Bank lent most frequently to those with incomes in the $100k-150k range, with 303 originations. The second most popular income band? $50k-75k, with 279 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 432 $75,360,000 $174,444 $2,067 4.69%
    30-36% 258 $47,340,000 $183,488 $2,003 4.65%
    <20% 254 $45,860,000 $180,551 $1,908 4.70%
    39% 60 $9,970,000 $166,167 $2,648 4.61%
    36% 50 $7,440,000 $148,800 $2,740 4.61%
    38% 48 $8,740,000 $182,083 $1,951 4.69%
    42% 46 $8,650,000 $188,043 $2,210 4.64%
    37% 45 $10,675,000 $237,222 $2,465 4.64%
    43% 44 $9,510,000 $216,136 $2,566 4.57%
    44% 40 $6,960,000 $174,000 $1,913 4.63%
    40% 39 $6,505,000 $166,795 $1,778 4.65%
    41% 38 $5,940,000 $156,316 $2,546 4.61%
    45% 38 $7,360,000 $193,684 $3,035 4.61%
    50-60% 29 $3,435,000 $118,448 $1,927 4.72%
    47% 27 $5,365,000 $198,704 $2,572 4.57%
    46% 25 $3,665,000 $146,600 $3,059 4.56%
    48% 24 $4,700,000 $195,833 $1,991 4.53%
    49% 15 $2,405,000 $160,333 $2,561 4.67%
    >60% 13 $2,415,000 $185,769 $2,872 4.86%

    Central Bank lent most frequently to those with DTI ratios of 20-30%, with 432 originations. The next most common DTI ratio? 30-36%, with 258 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,425 $259,535,000 $182,130 $2,204 4.67%
    Not applicable 96 $178,320,000 $1,857,500 $0 5.33%
    Black 38 $6,570,000 $172,895 $1,972 4.67%
    Asian 24 $5,700,000 $237,500 $2,211 4.43%
    Not provided 55 $5,335,000 $97,000 $1,738 4.85%
    Asian Indian 4 $940,000 $235,000 $591 4.59%
    Native Hawaiian or Islander 1 $245,000 $245,000 $8,956 4.13%
    Other Asian 1 $215,000 $215,000 $0 5.50%
    Other Pacific Islander 1 $35,000 $35,000 $0 5.00%
    American Indian 1 $35,000 $35,000 $0 5.00%

    Approval Rates

    Total approvals of all applications
    90.84%

    Central Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.31%

    Central Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,646 $456,930,000 $277,600

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 29 $171,345,000 $5,908,448
    Single Family (1-4 Units):Manufactured 11 $885,000 $80,455
    Single Family (1-4 Units):Site-Built 1,606 $284,700,000 $177,273

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 271 $31,815,000 $117,399 $1,777 4.85%
    40-60% 159 $37,665,000 $236,887 $2,329 4.64%
    60-80% 410 $263,190,000 $641,927 $2,001 4.68%
    80-100% 465 $105,005,000 $225,817 $2,295 4.53%
    Over 100% 7 $2,095,000 $299,286 $9,905 4.16%
    Under 20% 331 $16,925,000 $51,133 $448 4.94%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CENTRAL BANC MORTGAGE CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Central Bank & Trust Company 100 East Reynolds Road Fayette County, KY 40503 Full Service B&M $50,436
    Central Bank & Trust Company 101 Brentwood Street Berea, KY 40403 Full Service B&M $21,690
    Central Bank & Trust Company 1110 Pioneer Drive Winchester, KY 40391 Full Service B&M $38,548
    Central Bank & Trust Company 137 East Main Street Georgetown, KY 40324 Full Service B&M $56,412
    Central Bank & Trust Company 1471 Keene Rd Nicholasville, KY 40356 Full Service B&M $17,964
    Central Bank & Trust Company 2075 Dixie Highway Fort Mitchell, KY 41011 Full Service B&M $44,332
    Central Bank & Trust Company 2233 Richmond Road Lexington, KY 40502 Full Service B&M $97,781
    Central Bank & Trust Company 2347 Versailles Road Lexington, KY 40504 Full Service B&M $54,469
    Central Bank & Trust Company 2443 Sir Barton Way Lexington, KY 40509 Full Service B&M $18,974
    Central Bank & Trust Company 256 Southland Drive Lexington, KY 40503 Full Service B&M $81,983
    Central Bank & Trust Company 2850 Turkey Foot Rd Crestview Hills, KY 41017 Full Service B&M $12,847
    Central Bank & Trust Company 300 West Main Street Richmond, KY 40475 Full Service B&M $63,173
    Central Bank & Trust Company 300 West Vine Street Lexington, KY 40507 Full Service B&M $720,396
    Central Bank & Trust Company 301 North Main Street Nicholasville, KY 40356 Full Service B&M $83,147
    Central Bank & Trust Company 3101 Maple Leaf Drive Lexington, KY 40509 Full Service B&M $53,854
    Central Bank & Trust Company 321 W Main Street Louisville, KY 40202 Full Service B&M $16,242
    Central Bank & Trust Company 3270 Tates Creek Road Lexington, KY 40502 Full Service B&M $64,778
    Central Bank & Trust Company 3705 Harrodsburg Road Lexington, KY 40504 Full Service B&M $118,003
    Central Bank & Trust Company 4090 Tates Creek Centre Dr Lexington, KY 40517 Full Service B&M $57,906
    Central Bank & Trust Company 410 Connector Road Georgetown, KY 40324 Full Service B&M $20,910
    Central Bank & Trust Company 43 North Maple Street Winchester, KY 40391 Full Service B&M $56,661
    Central Bank & Trust Company 4630 Taylorsville Road Louisville, KY 40220 Full Service B&M $38,040
    Central Bank & Trust Company 515 New Circle Road, N.W. Lexington, KY 40505 Full Service B&M $39,702
    Central Bank & Trust Company 649 East New Circle Road Lexington, KY 40505 Full Service B&M $46,943
    Central Bank & Trust Company 7310 Turfway Road Florence, KY 41042 Full Service B&M $95,543
    Central Bank & Trust Company 9300 Shelbyville Road, Suite 100 Louisville, KY 40222 Full Service B&M $84,981

    For 2018, Central Bank had 26 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $105,927
    Net interest income $94,988
    Total noninterest income $36,076
    Gross Fiduciary activities income $7,878
    Service charges on deposit accounts $7,261
    Trading account gains and fees $0
    Additional Noninterest Income $20,937
    Pre-tax net operating income $33,475
    Securities gains (or losses, -) $0
    Income before extraordinary items $28,668
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $28,668
    Minority interest net income $0
    Net income $28,668
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $28,668

    Central Bank's gross interest income from loans was $105,927,000.
    Central Bank's net interest income from loans was $94,988,000.
    Central Bank's fee based income from loans was $7,261,000.
    Central Bank's net income from loans was $28,668,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,939
    Provision for credit losses $2,120
    Total noninterest expense $95,469
    Salaries and employee benefits $49,233
    Premises and equipment expense $13,479
    Additional noninterest expense $32,757
    Applicable income taxes $4,807
    Net charge-offs $2,422
    Cash dividends $2,800

    Central Bank's interest expense for loans was $10,939,000.
    Central Bank's payroll and benefits expense were $49,233,000.
    Central Bank's property, plant and equipment expenses $13,479,000.

    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 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.7%
    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 $2,110,148
    Deposits held in domestic offices $2,110,148
    Deposits by Individuals, partnerships, and corporations $2,044,816
    Deposits by U.S. Government $162
    Deposits by States and political subdivisions in the U.S. $63,221
    Deposits by Commercial banks and other depository institutions in U.S. $1,949
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $619,615
    Demand deposits $587,689
    Nontransaction accounts $1,490,533
    Money market deposit accounts (MMDAs) $439,706
    Other savings deposits (excluding MMDAs) $580,773
    Total time deposits $470,054
    Total time and savings deposits $1,522,459
    Noninterest-bearing deposits $587,689
    Interest-bearing deposits $1,522,459
    Retail deposits $1,940,406
    IRAs and Keogh plan accounts $43,554
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,599,709
    Cash & Balances due from depository institutions $223,632
    Interest-bearing balances $175,250
    Total securities $238,153
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,060,873
    Loan and leases loss allowance $20,183
    Trading account assets $0
    Bank premises and fixed assets $31,439
    Other real estate owned $3,225
    Goodwill and other intangibles $14,517
    All other assets $27,870

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,599,709
    Total Liabilities $2,306,802
    Total deposits $2,110,148
    Interest-bearing deposits $1,522,459
    Deposits held in domestic offices $2,110,148
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $142,115
    Trading liabilities $0
    Other borrowed funds $25,422
    Subordinated debt $0
    All other liabilities $29,117

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,060,873
    Loan and leases loss allowance $20,183
    Total loans and leases (domestic) $2,081,056
    All real estate loans $1,609,328
    Real estate loans in domestic offices $1,609,328
    Construction and development loans $207,067
    Residential 1-4 family construction $49,593
    Other construction, all land development and other land $157,474
    Loans secured by nonfarm nonresidential properties $681,497
    Nonfarm nonresidential secured by owner-occupied properties $310,284
    Commercial real estate & other non-farm, non-residential $371,213
    Multifamily residential real estate $121,790
    1-4 family residential loans $564,682
    Farmland loans $34,292
    Loans held in foreign offices $0
    Farm loans $4,194
    Commercial and industrial loans $237,120
    To non-U.S. addressees $0
    Loans to individuals $109,899
    Credit card loans $7,924
    Related Plans $0
    Consumer Auto Loans $85,740
    Other loans to individuals $16,235
    All other loans & leases $122,231
    Loans to foreign governments and official institutions $0
    Other loans $28,015
    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 $7,138
    Non 1-4 family restructured loans & leases $6,220
    Total loans and leases (foreign) $0

    Central Bank had $2,060,873,000 of loans outstanding in 2018. $1,609,328,000 of loans were in real estate loans. $207,067,000 of loans were in development loans. $121,790,000 of loans were in multifamily mortgage loans. $564,682,000 of loans were in 1-4 family mortgage loans. $4,194,000 of loans were in farm loans. $7,924,000 of loans were in credit card loans. $85,740,000 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 529 $138,145 $261,144
    Nonfarm, nonresidential loans - <$100k 84 $4,328 $51,524
    Nonfarm, nonresidential loans - $100-250k 172 $21,875 $127,180
    Nonfarm, nonresidential loans - $250k-1MM 273 $111,942 $410,044
    Commercial & Industrial, US addressed loans - <$1MM 1,004 $89,312 $88,956
    Commercial & Industrial, US addressed loans - <$100k 635 $18,075 $28,465
    Commercial & Industrial, US addressed loans - $100-250k 216 $23,186 $107,343
    Commercial & Industrial, US addressed loans - $250k-1MM 153 $48,051 $314,059
    Farmland loans - <$1MM 73 $9,751 $133,575
    Farmland loans - <$100k 22 $1,003 $45,591
    Farmland loans - $100-250k 35 $4,843 $138,371
    Farmland loans - $250k-1MM 16 $3,905 $244,063
    Agriculture operations loans - <$1MM 64 $4,193 $65,516
    Agriculture operations loans - <$100k 51 $1,134 $22,235
    Agriculture operations loans - $100-250k 5 $692 $138,400
    Agriculture operations loans - $250k-1MM 8 $2,367 $295,875