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 Miami among others. We have data for 36 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 an above 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

    2,795

    Origination Dollar Volume (All Markets)

    $728,685,000

    Employee count

    514 Show all (22) 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) 1,786 $401,940,000 $225,050 $2,140 2.91%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 419 $184,315,000 $439,893 $2,373 2.89%
    LOUISVILLE, KY (FHA|USDA|VA) 270 $62,270,000 $230,630 $2,291 3.09%
    Richmond-Berea, KY (FHA|USDA|VA) 136 $26,570,000 $195,368 $2,393 2.86%
    Outside of Metro Areas 85 $13,535,000 $159,235 $2,428 2.94%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $7,560,000 $1,890,000 $12,396 3.72%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $6,845,000 $2,281,667 $0 3.83%
    Frankfort, KY (FHA|USDA|VA) 23 $4,035,000 $175,435 $2,066 2.82%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $2,620,000 $1,310,000 $5,758 3.13%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $2,400,000 $1,200,000 $8,121 3.44%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $1,845,000 $1,845,000 $9,296 3.50%
    Danville, KY (FHA|USDA|VA) 11 $1,825,000 $165,909 $2,922 3.04%
    Mount Sterling, KY (FHA|USDA|VA) 13 $1,625,000 $125,000 $1,955 3.04%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $1,050,000 $525,000 $4,218 2.50%
    London, KY (FHA|USDA|VA) 5 $935,000 $187,000 $2,972 2.55%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $885,000 $885,000 $5,044 3.50%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $745,000 $248,333 $2,337 2.33%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $735,000 $245,000 $2,657 3.46%
    Somerset, KY (FHA|USDA|VA) 3 $675,000 $225,000 $3,707 2.63%
    Bardstown, KY (FHA|USDA|VA) 3 $645,000 $215,000 $2,117 2.54%
    Maysville, KY (FHA|USDA|VA) 4 $590,000 $147,500 $2,890 2.44%
    Sevierville, TN (FHA|USDA|VA) 2 $570,000 $285,000 $2,817 3.75%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $545,000 $545,000 $2,855 2.88%
    Brevard, NC (FHA|USDA|VA) 1 $545,000 $545,000 $2,153 3.00%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $475,000 $475,000 $3,287 2.75%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $415,000 $415,000 $3,513 2.75%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $405,000 $405,000 $1,712 2.25%
    ROCHESTER, MN (FHA|USDA|VA) 1 $365,000 $365,000 $2,331 3.13%
    COLUMBUS, OH (FHA|USDA|VA) 1 $335,000 $335,000 $2,145 2.63%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $305,000 $305,000 $2,659 2.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.88%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $245,000 $245,000 $2,149 2.25%
    MONROE, MI (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.75%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $125,000 $125,000 $1,892 2.75%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
    OWENSBORO, KY (FHA|USDA|VA) 1 $75,000 $75,000 $2,073 2.63%
    Central Bank's top markets include Lexington, Cincinnati, Louisville, Richmond, and Miami among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Indiana (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: 246
    CINFED Federal Credit Union
    Similarity Rank: 288
    Peoples Exchange Bank
    Similarity Rank: 432
    Sharefax Credit Union
    Similarity Rank: 505
    MORTGAGE SUPPLIERS, INC.
    Similarity Rank: 528
    INDIANA MEMBERS CREDIT UNION
    Similarity Rank: 810
    The Monticello Banking Company
    Similarity Rank: 817
    COMMONWEALTH
    Similarity Rank: 950
    First Harrison Bank
    Similarity Rank: 1083
    Traditional Bank, Inc.
    Similarity Rank: 1128

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,914 $620,510,000 $324,195 $2,124 2.83%
    HELOC 774 $84,450,000 $109,109 n/a 3.21%
    VA 48 $12,560,000 $261,667 $3,626 2.41%
    FHA 36 $7,280,000 $202,222 $5,850 2.69%
    USDA 23 $3,885,000 $168,913 $3,935 2.53%

    For 2021, Central Bank's most frequently originated type of loan was Conventional, with 1,914 originations. Their 2nd most popular type was HELOC, with 774 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,240 $280,120,000 $225,903 $1,955 2.81%
    Home Purchase 705 $300,285,000 $425,936 $2,726 3.07%
    Cash Out Refi 395 $97,685,000 $247,304 $2,228 2.74%
    Other 328 $39,150,000 $119,360 $2,294 3.09%
    Home Improvement 127 $11,445,000 $90,118 $1,956 3.43%

    For 2021, Central Bank's most frequently cited loan purpose was Refi, with 1,240 originations. The 2nd most popular reason was Home Purchase, with 705 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,286 $369,430,000 $287,271 $2,403 2.88%
    10 Year 688 $61,460,000 $89,331 $1,847 3.14%
    15 Year 458 $113,120,000 $246,987 $2,011 2.35%
    5 Year 201 $117,645,000 $585,299 $336 3.54%
    20 Year 84 $20,280,000 $241,429 $2,108 2.70%
    Other 46 $37,130,000 $807,174 $993 3.83%
    1 Year 25 $8,335,000 $333,400 $1,917 4.04%
    3 Year 7 $1,285,000 $183,571 $11 3.94%

    For 2021, Central Bank's most frequently cited loan duration was 30 Year, with 1,286 originations. The 2nd most popular length was 10 Year, with 688 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,832 $504,720,000 $275,502
    $1k-2k 10 $3,650,000 $365,000
    $2k-3k 6 $1,540,000 $256,667
    $4k-5k 1 $325,000 $325,000

    Central Bank's average total fees were $2,403, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,832 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 1,004 $188,660,000 $187,908
    2.5-3% 878 $228,650,000 $260,421
    3-4% 611 $278,475,000 $455,769
    4-5% 302 $32,900,000 $108,940

    During 2021, Central Bank's average interest rate for loans was 2.88%, while their most frequently originated rate bucket for loans was <2.5%, with 1,004 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 901 $133,085,000 $147,708 $2,007 2.86%
    $200k-400k 872 $241,950,000 $277,466 $2,298 2.82%
    $100,000 or less 649 $37,365,000 $57,573 $1,663 3.16%
    $400k-600k 280 $134,460,000 $480,214 $2,697 2.78%
    $600k-1MM 64 $47,580,000 $743,438 $2,807 3.40%
    $1MM+ 29 $134,245,000 $4,629,138 $6,532 3.51%

    2021 saw Central Bank place emphasis on $100k-200k loans with 901 originations, totaling $133,085,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 547 $121,615,000 $222,331 $2,216 2.83%
    $50k-75k 466 $72,220,000 $154,979 $2,214 2.92%
    $250k+ 444 $174,050,000 $392,005 $2,576 2.99%
    $150k-250k 415 $110,855,000 $267,120 $2,246 2.93%
    $75k-100k 386 $70,300,000 $182,124 $2,248 2.89%
    $50k or less 339 $36,535,000 $107,773 $2,111 2.90%

    Central Bank lent most frequently to those with incomes in the $100k-150k range, with 547 originations. The second most popular income band? $50k-75k, with 466 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 826 $186,950,000 $226,332 $2,227 2.87%
    <20% 680 $154,950,000 $227,868 $2,131 2.85%
    30-36% 443 $97,365,000 $219,786 $2,275 2.95%
    37% 89 $20,585,000 $231,292 $2,207 2.98%
    36% 75 $15,715,000 $209,533 $2,695 2.92%
    40% 65 $13,365,000 $205,615 $2,415 3.07%
    38% 60 $13,860,000 $231,000 $2,451 3.12%
    43% 58 $12,100,000 $208,621 $2,295 3.06%
    45% 58 $13,540,000 $233,448 $2,263 2.71%
    39% 57 $14,035,000 $246,228 $2,549 2.98%
    42% 54 $11,200,000 $207,407 $2,355 2.85%
    41% 54 $10,340,000 $191,481 $2,196 2.86%
    44% 53 $10,275,000 $193,868 $2,509 2.88%
    46% 27 $7,175,000 $265,741 $2,250 2.80%
    49% 21 $4,505,000 $214,524 $2,370 2.68%
    47% 21 $5,595,000 $266,429 $2,533 2.95%
    48% 19 $4,525,000 $238,158 $2,338 2.85%
    50-60% 12 $2,540,000 $211,667 $2,349 3.08%
    >60% 3 $535,000 $178,333 $895 3.37%

    Central Bank lent most frequently to those with DTI ratios of 20-30%, with 826 originations. The next most common DTI ratio? <20%, with 680 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,427 $551,245,000 $227,130 $2,239 2.87%
    Not applicable 86 $122,110,000 $1,419,884 $0 3.89%
    Not provided 143 $20,085,000 $140,455 $2,104 3.19%
    Black 72 $18,550,000 $257,639 $3,072 3.07%
    Asian 59 $15,275,000 $258,898 $2,220 2.79%
    American Indian 4 $500,000 $125,000 $1,830 3.00%
    Other Asian 2 $390,000 $195,000 $2,608 3.56%
    Native Hawaiian or Islander 1 $275,000 $275,000 $1,842 2.88%
    Asian Indian 1 $255,000 $255,000 $0 3.25%

    Approval Rates

    Total approvals of all applications
    93.74%

    Central Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.27%

    Central Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,795 $728,685,000 $260,710

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,795 $728,685,000 $260,710

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 429 $62,655,000 $146,049 $1,895 2.99%
    40-60% 505 $121,035,000 $239,673 $2,006 2.74%
    60-80% 933 $366,375,000 $392,685 $2,215 2.88%
    80-100% 483 $143,325,000 $296,739 $2,697 2.93%
    Over 100% 5 $1,555,000 $311,000 $9,601 2.50%
    Under 20% 412 $26,730,000 $64,879 $799 3.21%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Central Mortgage Funding, LLC Conventional home 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 $71,506
    Central Bank & Trust Company 101 Brentwood Street Berea, KY 40403 Full Service B&M $28,939
    Central Bank & Trust Company 1110 Pioneer Drive Winchester, KY 40391 Full Service B&M $55,949
    Central Bank & Trust Company 137 East Main Street Georgetown, KY 40324 Full Service B&M $88,983
    Central Bank & Trust Company 1471 Keene Rd Nicholasville, KY 40356 Full Service B&M $26,325
    Central Bank & Trust Company 2075 Dixie Highway Fort Mitchell, KY 41011 Full Service B&M $84,915
    Central Bank & Trust Company 2233 Richmond Road Lexington, KY 40502 Full Service B&M $127,145
    Central Bank & Trust Company 2347 Versailles Road Lexington, KY 40504 Full Service B&M $70,685
    Central Bank & Trust Company 2443 Sir Barton Way Lexington, KY 40509 Full Service B&M $36,398
    Central Bank & Trust Company 256 Southland Drive Lexington, KY 40503 Full Service B&M $91,448
    Central Bank & Trust Company 2850 Turkey Foot Rd Crestview Hills, KY 41017 Full Service B&M $30,705
    Central Bank & Trust Company 300 West Main Street Richmond, KY 40475 Full Service B&M $78,044
    Central Bank & Trust Company 300 West Vine Street Lexington, KY 40507 Full Service B&M $947,856
    Central Bank & Trust Company 301 North Main Street Nicholasville, KY 40356 Full Service B&M $96,694
    Central Bank & Trust Company 3101 Maple Leaf Drive Lexington, KY 40509 Full Service B&M $68,360
    Central Bank & Trust Company 321 W Main Street Louisville, KY 40202 Full Service B&M $19,764
    Central Bank & Trust Company 3270 Tates Creek Road Lexington, KY 40502 Full Service B&M $77,640
    Central Bank & Trust Company 3541 Outer Loop Ste 120 Louisville, KY 40219 Full Service B&M $8,330
    Central Bank & Trust Company 3705 Harrodsburg Road Lexington, KY 40504 Full Service B&M $151,420
    Central Bank & Trust Company 4090 Tates Creek Centre Dr Lexington, KY 40517 Full Service B&M $82,881
    Central Bank & Trust Company 410 Connector Road Georgetown, KY 40324 Full Service B&M $31,118
    Central Bank & Trust Company 43 North Maple Street Winchester, KY 40391 Full Service B&M $67,220
    Central Bank & Trust Company 4630 Taylorsville Road Louisville, KY 40220 Full Service B&M $34,037
    Central Bank & Trust Company 515 New Circle Road, N.W. Lexington, KY 40505 Full Service B&M $58,685
    Central Bank & Trust Company 649 East New Circle Road Lexington, KY 40505 Full Service B&M $58,603
    Central Bank & Trust Company 7310 Turfway Road Florence, KY 41042 Full Service B&M $224,582
    Central Bank & Trust Company 9021 Us Hwy 42 Union, KY 41091 Full Service B&M $24,938
    Central Bank & Trust Company 9300 Shelbyville Road, Suite 100 Louisville, KY 40222 Full Service B&M $119,843

    For 2021, Central Bank had 28 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $106,562
    Net interest income $102,702
    Total noninterest income $47,092
    Gross Fiduciary activities income $10,083
    Service charges on deposit accounts $5,621
    Trading account gains and fees $0
    Additional Noninterest Income $31,388
    Pre-tax net operating income $38,028
    Securities gains (or losses, -) $0
    Income before extraordinary items $31,370
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $31,370
    Minority interest net income $0
    Net income $31,370
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $31,370

    Central Bank's gross interest income from loans was $106,562,000.
    Central Bank's net interest income from loans was $102,702,000.
    Central Bank's fee based income from loans was $5,621,000.
    Central Bank's net income from loans was $31,370,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,860
    Provision for credit losses $1,017
    Total noninterest expense $110,749
    Salaries and employee benefits $55,068
    Premises and equipment expense $16,635
    Additional noninterest expense $39,046
    Applicable income taxes $6,658
    Net charge-offs $2,208
    Cash dividends $2,800

    Central Bank's interest expense for loans was $3,860,000.
    Central Bank's payroll and benefits expense were $55,068,000.
    Central Bank's property, plant and equipment expenses $16,635,000.

    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 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 1.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 0.5%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,236,993
    Deposits held in domestic offices $3,236,993
    Deposits by Individuals, partnerships, and corporations $3,169,559
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $60,939
    Deposits by Commercial banks and other depository institutions in U.S. $6,495
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,964,404
    Demand deposits $1,408,694
    Nontransaction accounts $1,272,589
    Money market deposit accounts (MMDAs) $681,402
    Other savings deposits (excluding MMDAs) $259,172
    Total time deposits $332,015
    Total time and savings deposits $1,828,299
    Noninterest-bearing deposits $1,408,694
    Interest-bearing deposits $1,828,299
    Retail deposits $3,113,460
    IRAs and Keogh plan accounts $41,976
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,890,954
    Cash & Balances due from depository institutions $1,246,412
    Interest-bearing balances $1,210,900
    Total securities $502,943
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,055,082
    Loan and leases loss allowance $23,994
    Trading account assets $0
    Bank premises and fixed assets $27,016
    Other real estate owned $385
    Goodwill and other intangibles $14,579
    All other assets $44,537

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,890,954
    Total Liabilities $3,526,260
    Total deposits $3,236,993
    Interest-bearing deposits $1,828,299
    Deposits held in domestic offices $3,236,993
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $240,852
    Trading liabilities $0
    Other borrowed funds $25,293
    Subordinated debt $0
    All other liabilities $23,122

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,055,082
    Loan and leases loss allowance $23,994
    Total loans and leases (domestic) $2,079,076
    All real estate loans $1,529,983
    Real estate loans in domestic offices $1,529,983
    Construction and development loans $202,719
    Residential 1-4 family construction $52,996
    Other construction, all land development and other land $149,723
    Loans secured by nonfarm nonresidential properties $619,633
    Nonfarm nonresidential secured by owner-occupied properties $232,489
    Commercial real estate & other non-farm, non-residential $387,144
    Multifamily residential real estate $58,861
    1-4 family residential loans $619,807
    Farmland loans $28,963
    Loans held in foreign offices $0
    Farm loans $2,146
    Commercial and industrial loans $303,048
    To non-U.S. addressees $0
    Loans to individuals $165,727
    Credit card loans $6,756
    Related Plans $0
    Consumer Auto Loans $137,488
    Other loans to individuals $21,483
    All other loans & leases $79,804
    Loans to foreign governments and official institutions $0
    Other loans $21,152
    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 $28,032
    Non 1-4 family restructured loans & leases $28,032
    Total loans and leases (foreign) $0

    Central Bank had $2,055,082,000 of loans outstanding in 2021. $1,529,983,000 of loans were in real estate loans. $202,719,000 of loans were in development loans. $58,861,000 of loans were in multifamily mortgage loans. $619,807,000 of loans were in 1-4 family mortgage loans. $2,146,000 of loans were in farm loans. $6,756,000 of loans were in credit card loans. $137,488,000 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 485 $117,294 $241,843
    Nonfarm, nonresidential loans - <$100k 79 $3,519 $44,544
    Nonfarm, nonresidential loans - $100-250k 147 $18,021 $122,592
    Nonfarm, nonresidential loans - $250k-1MM 259 $95,754 $369,707
    Commercial & Industrial, US addressed loans - <$1MM 974 $85,023 $87,293
    Commercial & Industrial, US addressed loans - <$100k 653 $17,231 $26,387
    Commercial & Industrial, US addressed loans - $100-250k 185 $20,762 $112,227
    Commercial & Industrial, US addressed loans - $250k-1MM 136 $47,030 $345,809
    Farmland loans - <$1MM 61 $7,435 $121,885
    Farmland loans - <$100k 17 $716 $42,118
    Farmland loans - $100-250k 32 $3,903 $121,969
    Farmland loans - $250k-1MM 12 $2,816 $234,667
    Agriculture operations loans - <$1MM 32 $2,146 $67,063
    Agriculture operations loans - <$100k 24 $379 $15,792
    Agriculture operations loans - $100-250k 3 $468 $156,000
    Agriculture operations loans - $250k-1MM 5 $1,299 $259,800