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 Refi and 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, Cincinnati, Louisville, Richmond, and Toledo among others. We have data for 42 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% 4/18/24
    30 Year Conventional Purchase 6.39% 4/18/24
    30 Year Conventional Refi 6.47% 4/18/24
    30 Year Cash-out Refi 6.48% 4/18/24
    30 Year FHA Purchase 7.04% 4/18/24
    30 Year FHA Refi 6.39% 4/18/24
    30 Year VA Purchase 5.72% 4/18/24
    30 Year USDA Purchase 6.53% 4/18/24
    15 Year Conventional Purchase 5.84% 4/18/24
    15 Year Conventional Refi 5.97% 4/18/24
    15 Year Cash-out Refi 5.97% 4/18/24
    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

    2,397

    Origination Dollar Volume (All Markets)

    $546,035,000

    Employee count

    516 Show all (19) 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) 1,570 $351,320,000 $223,771 $1,988 3.45%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 291 $70,605,000 $242,629 $2,012 3.45%
    LOUISVILLE, KY (FHA|USDA|VA) 205 $52,415,000 $255,683 $2,219 3.66%
    Richmond-Berea, KY (FHA|USDA|VA) 131 $24,245,000 $185,076 $2,099 3.44%
    Outside of Metro Areas 101 $16,045,000 $158,861 $2,094 3.39%
    TOLEDO, OH (FHA|USDA|VA) 1 $6,985,000 $6,985,000 $0 4.00%
    Frankfort, KY (FHA|USDA|VA) 21 $4,345,000 $206,905 $2,020 3.33%
    Danville, KY (FHA|USDA|VA) 15 $3,405,000 $227,000 $1,839 3.01%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $1,075,000 $1,075,000 $4,756 3.50%
    Mount Sterling, KY (FHA|USDA|VA) 12 $1,060,000 $88,333 $2,601 3.86%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $8,469 4.38%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,010,000 $252,500 $2,227 2.88%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $915,000 $915,000 $4,169 3.63%
    BOWLING GREEN, KY (FHA|USDA|VA) 2 $890,000 $445,000 $2,662 3.13%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $845,000 $845,000 $0 3.75%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $730,000 $365,000 $4,391 4.31%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $725,000 $725,000 $2,856 3.63%
    MORRISTOWN, TN (FHA|USDA|VA) 2 $680,000 $340,000 $3,139 3.88%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $630,000 $315,000 $2,355 3.13%
    Somerset, KY (FHA|USDA|VA) 3 $555,000 $185,000 $2,334 3.63%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $515,000 $515,000 $4,051 3.25%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $515,000 $515,000 $3,814 2.88%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $515,000 $515,000 $3,052 2.50%
    Bardstown, KY (FHA|USDA|VA) 2 $500,000 $250,000 $1,704 2.69%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $445,000 $445,000 $1,993 2.75%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $435,000 $145,000 $2,360 3.04%
    Glasgow, KY (FHA|USDA|VA) 1 $395,000 $395,000 $2,562 3.75%
    Crawfordsville, IN (FHA|USDA|VA) 2 $380,000 $190,000 $2,900 3.38%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $350,000 $175,000 $2,109 3.63%
    London, KY (FHA|USDA|VA) 2 $310,000 $155,000 $2,314 3.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $305,000 $305,000 $2,166 2.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.25%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $225,000 $225,000 $2,593 4.13%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $205,000 $205,000 $2,361 2.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,519 3.25%
    Maysville, KY (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.75%
    OCALA, FL (FHA|USDA|VA) 2 $180,000 $90,000 $2,563 4.13%
    Central City, KY (FHA|USDA|VA) 1 $175,000 $175,000 $2,255 2.75%
    Mayfield, KY (FHA|USDA|VA) 1 $165,000 $165,000 $1,912 2.88%
    Campbellsville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $1,967 3.13%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $115,000 $115,000 $1,848 3.38%
    Milledgeville, GA (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.75%
    Central Bank's top markets include Lexington, Cincinnati, Louisville, Richmond, and Toledo among others.

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

    The North Side Bank & Trust Company
    Similarity Rank: 350
    Peoples Exchange Bank
    Similarity Rank: 480
    MORTGAGE SUPPLIERS, INC.
    Similarity Rank: 595
    CINFED Federal Credit Union
    Similarity Rank: 651
    First State Bank
    Similarity Rank: 770
    Traditional Bank, Inc.
    Similarity Rank: 828
    Sharefax Credit Union
    Similarity Rank: 936
    First Harrison Bank
    Similarity Rank: 980
    Somerville Bank
    Similarity Rank: 1152
    RIVER VALLEY CREDIT UNION, INC.
    Similarity Rank: 1323

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,699 $465,295,000 $273,864 $1,961 3.11%
    HELOC 613 $63,985,000 $104,380 n/a 4.48%
    FHA 36 $5,830,000 $161,944 $3,917 3.22%
    USDA 26 $4,030,000 $155,000 $2,816 2.95%
    VA 23 $6,895,000 $299,783 $3,229 2.99%

    For 2020, Central Bank's most frequently originated type of loan was Conventional, with 1,699 originations. Their 2nd most popular type was HELOC, with 613 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 892 $237,520,000 $266,278 $1,965 3.29%
    Home Purchase 867 $213,995,000 $246,822 $2,090 3.32%
    Other 276 $27,850,000 $100,906 $1,907 4.40%
    Cash Out Refi 245 $58,085,000 $237,082 $2,089 2.99%
    Home Improvement 117 $8,585,000 $73,376 $1,758 4.58%

    For 2020, Central Bank's most frequently cited loan purpose was Refi, with 892 originations. The 2nd most popular reason was Home Purchase, with 867 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,162 $316,400,000 $272,289 $2,121 3.10%
    10 Year 504 $41,650,000 $82,639 $1,689 4.66%
    15 Year 363 $91,555,000 $252,218 $1,951 2.62%
    5 Year 215 $57,345,000 $266,721 $82 3.90%
    20 Year 54 $12,110,000 $224,259 $1,881 2.93%
    Other 44 $8,300,000 $188,636 $890 4.17%
    1 Year 30 $7,960,000 $265,333 $1,835 4.39%
    30+ year 19 $10,405,000 $547,632 $2,379 3.35%
    3 Year 6 $310,000 $51,667 $11 4.50%

    For 2020, Central Bank's most frequently cited loan duration was 30 Year, with 1,162 originations. The 2nd most popular length was 10 Year, with 504 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,592 $424,760,000 $266,809
    $1k-2k 11 $4,665,000 $424,091
    $2k-3k 2 $1,460,000 $730,000
    $3k-4k 2 $2,420,000 $1,210,000

    Central Bank's average total fees were $2,121, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,592 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 711 $183,705,000 $258,376
    3-4% 679 $207,165,000 $305,103
    4-5% 648 $72,850,000 $112,423
    <2.5% 336 $79,600,000 $236,905
    5-6% 23 $2,715,000 $118,043

    During 2020, Central Bank's average interest rate for loans was 3.10%, while their most frequently originated rate bucket for loans was 2.5-3%, with 711 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 795 $116,275,000 $146,258 $1,907 3.33%
    $200k-400k 784 $216,310,000 $275,906 $2,066 3.03%
    $100,000 or less 532 $29,650,000 $55,733 $1,278 4.45%
    $400k-600k 209 $99,875,000 $477,871 $2,394 3.00%
    $600k-1MM 50 $36,650,000 $733,000 $2,350 3.59%
    $1MM+ 27 $47,275,000 $1,750,926 $4,582 3.81%

    2020 saw Central Bank place emphasis on $100k-200k loans with 795 originations, totaling $116,275,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 451 $98,905,000 $219,302 $1,967 3.37%
    $150k-250k 415 $103,145,000 $248,542 $2,126 3.51%
    $50k-75k 374 $59,110,000 $158,048 $1,975 3.32%
    $250k+ 372 $138,390,000 $372,016 $2,139 3.51%
    $75k-100k 316 $57,770,000 $182,816 $2,112 3.46%
    $50k or less 273 $32,385,000 $118,626 $1,942 3.46%

    Central Bank lent most frequently to those with incomes in the $100k-150k range, with 451 originations. The second most popular income band? $150k-250k, with 415 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 735 $164,895,000 $224,347 $1,955 3.39%
    <20% 550 $118,410,000 $215,291 $1,930 3.57%
    30-36% 413 $91,645,000 $221,901 $2,091 3.34%
    39% 62 $12,070,000 $194,677 $2,069 3.64%
    37% 61 $13,795,000 $226,148 $2,136 3.47%
    42% 56 $11,630,000 $207,679 $1,812 3.36%
    38% 53 $12,225,000 $230,660 $2,247 3.34%
    36% 53 $13,295,000 $250,849 $1,973 3.39%
    40% 51 $9,215,000 $180,686 $1,942 3.43%
    41% 46 $10,490,000 $228,043 $2,295 3.23%
    44% 44 $8,180,000 $185,909 $2,186 3.35%
    43% 38 $7,570,000 $199,211 $2,375 3.50%
    45% 31 $6,145,000 $198,226 $2,404 3.61%
    46% 24 $4,900,000 $204,167 $2,164 3.24%
    48% 22 $4,520,000 $205,455 $2,027 3.47%
    49% 19 $3,965,000 $208,684 $2,512 3.37%
    47% 18 $4,390,000 $243,889 $2,276 2.92%
    50-60% 17 $6,705,000 $394,412 $2,851 3.54%
    >60% 9 $2,105,000 $233,889 $0 4.74%

    Central Bank lent most frequently to those with DTI ratios of 20-30%, with 735 originations. The next most common DTI ratio? <20%, with 550 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,061 $464,385,000 $225,320 $2,048 3.39%
    Not applicable 79 $35,825,000 $453,481 $0 4.19%
    Asian 58 $16,710,000 $288,103 $1,873 3.03%
    Not provided 141 $16,185,000 $114,787 $1,735 4.32%
    Black 51 $10,635,000 $208,529 $2,020 3.58%
    Asian Indian 4 $1,870,000 $467,500 $2,029 2.88%
    Chinese 1 $185,000 $185,000 $1,634 3.00%
    American Indian 1 $145,000 $145,000 $1,768 2.88%
    Native Hawaiian or Islander 1 $95,000 $95,000 $0 4.75%

    Approval Rates

    Total approvals of all applications
    93.66%

    Central Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.32%

    Central Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,397 $546,035,000 $227,799

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $1,495,000 $1,495,000
    Multifamily:Site-Built 22 $24,970,000 $1,135,000
    Single Family (1-4 Units):Manufactured 7 $635,000 $90,714
    Single Family (1-4 Units):Site-Built 2,367 $518,935,000 $219,237

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 299 $45,755,000 $153,027 $1,956 4.09%
    40-60% 311 $74,695,000 $240,177 $1,980 3.20%
    60-80% 838 $236,850,000 $282,637 $2,006 3.16%
    80-100% 609 $163,855,000 $269,056 $2,152 3.12%
    Over 100% 3 $785,000 $261,667 $8,766 2.96%
    Under 20% 331 $21,275,000 $64,275 $505 4.53%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CENTERSTATE BANK CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    CENTERSTATE BANK CORPORATION Conventional home mortgage Trouble during payment process 2 50.0%
    CENTERSTATE BANK CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%

    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 $63,758
    Central Bank & Trust Company 101 Brentwood Street Berea, KY 40403 Full Service B&M $29,758
    Central Bank & Trust Company 1110 Pioneer Drive Winchester, KY 40391 Full Service B&M $52,019
    Central Bank & Trust Company 137 East Main Street Georgetown, KY 40324 Full Service B&M $73,833
    Central Bank & Trust Company 1471 Keene Rd Nicholasville, KY 40356 Full Service B&M $27,142
    Central Bank & Trust Company 2075 Dixie Highway Fort Mitchell, KY 41011 Full Service B&M $88,730
    Central Bank & Trust Company 2233 Richmond Road Lexington, KY 40502 Full Service B&M $109,213
    Central Bank & Trust Company 2347 Versailles Road Lexington, KY 40504 Full Service B&M $59,511
    Central Bank & Trust Company 2443 Sir Barton Way Lexington, KY 40509 Full Service B&M $29,474
    Central Bank & Trust Company 256 Southland Drive Lexington, KY 40503 Full Service B&M $88,996
    Central Bank & Trust Company 2850 Turkey Foot Rd Crestview Hills, KY 41017 Full Service B&M $24,179
    Central Bank & Trust Company 300 West Main Street Richmond, KY 40475 Full Service B&M $73,953
    Central Bank & Trust Company 300 West Vine Street Lexington, KY 40507 Full Service B&M $800,557
    Central Bank & Trust Company 301 North Main Street Nicholasville, KY 40356 Full Service B&M $93,720
    Central Bank & Trust Company 3101 Maple Leaf Drive Lexington, KY 40509 Full Service B&M $65,678
    Central Bank & Trust Company 321 W Main Street Louisville, KY 40202 Full Service B&M $17,472
    Central Bank & Trust Company 3270 Tates Creek Road Lexington, KY 40502 Full Service B&M $70,128
    Central Bank & Trust Company 3541 Outer Loop Ste 120 Louisville, KY 40219 Full Service B&M $2,234
    Central Bank & Trust Company 3705 Harrodsburg Road Lexington, KY 40504 Full Service B&M $143,290
    Central Bank & Trust Company 4090 Tates Creek Centre Dr Lexington, KY 40517 Full Service B&M $74,697
    Central Bank & Trust Company 410 Connector Road Georgetown, KY 40324 Full Service B&M $25,383
    Central Bank & Trust Company 43 North Maple Street Winchester, KY 40391 Full Service B&M $64,774
    Central Bank & Trust Company 4630 Taylorsville Road Louisville, KY 40220 Full Service B&M $35,878
    Central Bank & Trust Company 515 New Circle Road, N.W. Lexington, KY 40505 Full Service B&M $51,348
    Central Bank & Trust Company 649 East New Circle Road Lexington, KY 40505 Full Service B&M $54,500
    Central Bank & Trust Company 7310 Turfway Road Florence, KY 41042 Full Service B&M $188,368
    Central Bank & Trust Company 9021 Us Hwy 42 Union, KY 41091 Full Service B&M $29,495
    Central Bank & Trust Company 9300 Shelbyville Road, Suite 100 Louisville, KY 40222 Full Service B&M $103,283

    For 2020, Central Bank had 28 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $108,517
    Net interest income $101,948
    Total noninterest income $41,164
    Gross Fiduciary activities income $8,471
    Service charges on deposit accounts $5,834
    Trading account gains and fees $0
    Additional Noninterest Income $26,859
    Pre-tax net operating income $16,674
    Securities gains (or losses, -) $0
    Income before extraordinary items $15,442
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,442
    Minority interest net income $0
    Net income $15,442
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,442

    Central Bank's gross interest income from loans was $108,517,000.
    Central Bank's net interest income from loans was $101,948,000.
    Central Bank's fee based income from loans was $5,834,000.
    Central Bank's net income from loans was $15,442,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,569
    Provision for credit losses $7,812
    Total noninterest expense $118,626
    Salaries and employee benefits $66,671
    Premises and equipment expense $13,950
    Additional noninterest expense $38,005
    Applicable income taxes $1,232
    Net charge-offs $1,732
    Cash dividends $3,500

    Central Bank's interest expense for loans was $6,569,000.
    Central Bank's payroll and benefits expense were $66,671,000.
    Central Bank's property, plant and equipment expenses $13,950,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    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 0.8%
    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 $2,678,757
    Deposits held in domestic offices $2,678,757
    Deposits by Individuals, partnerships, and corporations $2,631,866
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $43,554
    Deposits by Commercial banks and other depository institutions in U.S. $3,337
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $917,907
    Demand deposits $870,268
    Nontransaction accounts $1,760,850
    Money market deposit accounts (MMDAs) $559,241
    Other savings deposits (excluding MMDAs) $784,874
    Total time deposits $416,735
    Total time and savings deposits $1,808,489
    Noninterest-bearing deposits $917,907
    Interest-bearing deposits $1,760,850
    Retail deposits $2,526,773
    IRAs and Keogh plan accounts $46,348
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,269,024
    Cash & Balances due from depository institutions $582,337
    Interest-bearing balances $530,600
    Total securities $275,900
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,320,755
    Loan and leases loss allowance $25,185
    Trading account assets $0
    Bank premises and fixed assets $26,533
    Other real estate owned $1,385
    Goodwill and other intangibles $14,547
    All other assets $47,567

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,269,024
    Total Liabilities $2,929,979
    Total deposits $2,678,757
    Interest-bearing deposits $1,760,850
    Deposits held in domestic offices $2,678,757
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $202,413
    Trading liabilities $0
    Other borrowed funds $25,309
    Subordinated debt $0
    All other liabilities $23,500

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,320,755
    Loan and leases loss allowance $25,185
    Total loans and leases (domestic) $2,345,940
    All real estate loans $1,561,832
    Real estate loans in domestic offices $1,561,832
    Construction and development loans $228,829
    Residential 1-4 family construction $51,457
    Other construction, all land development and other land $177,372
    Loans secured by nonfarm nonresidential properties $613,406
    Nonfarm nonresidential secured by owner-occupied properties $228,483
    Commercial real estate & other non-farm, non-residential $384,923
    Multifamily residential real estate $105,060
    1-4 family residential loans $582,975
    Farmland loans $31,562
    Loans held in foreign offices $0
    Farm loans $2,881
    Commercial and industrial loans $570,236
    To non-U.S. addressees $0
    Loans to individuals $131,268
    Credit card loans $6,638
    Related Plans $0
    Consumer Auto Loans $113,711
    Other loans to individuals $10,919
    All other loans & leases $86,378
    Loans to foreign governments and official institutions $0
    Other loans $19,789
    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 $1,304
    Restructured Loans & leases $34,844
    Non 1-4 family restructured loans & leases $33,377
    Total loans and leases (foreign) $0

    Central Bank had $2,320,755,000 of loans outstanding in 2020. $1,561,832,000 of loans were in real estate loans. $228,829,000 of loans were in development loans. $105,060,000 of loans were in multifamily mortgage loans. $582,975,000 of loans were in 1-4 family mortgage loans. $2,881,000 of loans were in farm loans. $6,638,000 of loans were in credit card loans. $113,711,000 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 510 $125,317 $245,720
    Nonfarm, nonresidential loans - <$100k 91 $4,419 $48,560
    Nonfarm, nonresidential loans - $100-250k 153 $18,727 $122,399
    Nonfarm, nonresidential loans - $250k-1MM 266 $102,171 $384,102
    Commercial & Industrial, US addressed loans - <$1MM 2,820 $241,538 $85,652
    Commercial & Industrial, US addressed loans - <$100k 2,057 $52,291 $25,421
    Commercial & Industrial, US addressed loans - $100-250k 459 $59,130 $128,824
    Commercial & Industrial, US addressed loans - $250k-1MM 304 $130,117 $428,016
    Farmland loans - <$1MM 70 $8,764 $125,200
    Farmland loans - <$100k 22 $984 $44,727
    Farmland loans - $100-250k 35 $5,043 $144,086
    Farmland loans - $250k-1MM 13 $2,737 $210,538
    Agriculture operations loans - <$1MM 43 $2,881 $67,000
    Agriculture operations loans - <$100k 33 $704 $21,333
    Agriculture operations loans - $100-250k 3 $478 $159,333
    Agriculture operations loans - $250k-1MM 7 $1,699 $242,714