Capstar Bank Mortgage Rates, Fees & Info

Nashville, TN

LEI: 549300CF5UDGUFHYM827

Tax ID: 26-0189349

5 stars - out of 5 stars, based on 55 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Capstar Bank is a small bank specializing in Home Purchase and Refi loans. Capstar 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 include Nashville, Knoxville, Athens, Chattanooga, and Cleveland among others. Capstar Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Capstar Bank is typically an average fee lendor.


Originations

3,063

Origination Dollar Volume (All Markets)

$1,003,295,000

Employee count

397 Show all (11) awards

Relative Rate

Capstar Bank's average 30 year fixed rate mortgage of loans were 3.02%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.13%.

Relative Fees

Capstar Bank's average total fees for a 30 year fixed rate mortgage are $3,780.

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 $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 2,207 $758,295,000 $343,586 $3,679 2.96%
KNOXVILLE, TN (FHA|USDA|VA) 47 $52,375,000 $1,114,362 $4,709 3.15%
Athens, TN (FHA|USDA|VA) 188 $34,320,000 $182,553 $3,156 3.34%
Outside of Metro Areas 128 $25,640,000 $200,313 $3,363 3.53%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 49 $18,775,000 $383,163 $3,246 3.28%
CLEVELAND, TN (FHA|USDA|VA) 55 $14,525,000 $264,091 $3,269 3.50%
Tullahoma-Manchester, TN (FHA|USDA|VA) 68 $12,500,000 $183,824 $2,885 3.71%
Lawrenceburg, TN (FHA|USDA|VA) 60 $10,800,000 $180,000 $3,252 3.43%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 34 $7,420,000 $218,235 $3,188 3.09%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 15 $6,755,000 $450,333 $5,004 3.23%
Sevierville, TN (FHA|USDA|VA) 15 $6,425,000 $428,333 $3,889 3.51%
Lewisburg, TN (FHA|USDA|VA) 16 $5,020,000 $313,750 $3,268 3.03%
Cookeville, TN (FHA|USDA|VA) 16 $3,830,000 $239,375 $3,049 3.08%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 9 $2,295,000 $255,000 $3,195 3.10%
Shelbyville, TN (FHA|USDA|VA) 8 $2,090,000 $261,250 $2,980 3.03%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $2,090,000 $522,500 $4,687 3.09%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $2,020,000 $336,667 $6,981 2.85%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 6 $1,900,000 $316,667 $3,258 2.85%
McMinnville, TN (FHA|USDA|VA) 11 $1,845,000 $167,727 $4,288 3.47%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,670,000 $417,500 $4,668 2.88%
HUNTSVILLE, AL (FHA|USDA|VA) 9 $1,615,000 $179,444 $3,055 3.01%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,395,000 $279,000 $3,718 2.88%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 5 $1,355,000 $271,000 $3,112 3.07%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $1,220,000 $305,000 $3,394 2.91%
ASHEVILLE, NC (FHA|USDA|VA) 2 $1,130,000 $565,000 $2,269 3.44%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,095,000 $219,000 $3,009 3.40%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $5,076 4.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,075,000 $358,333 $4,340 3.13%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $995,000 $331,667 $9,953 3.21%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $985,000 $328,333 $5,272 3.21%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $965,000 $321,667 $3,402 3.04%
SAVANNAH, GA (FHA|USDA|VA) 3 $925,000 $308,333 $4,054 3.63%
Paducah, KY-IL (FHA|USDA|VA) 4 $870,000 $217,500 $2,725 2.91%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $830,000 $415,000 $2,939 3.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $750,000 $375,000 $4,594 3.00%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $745,000 $248,333 $4,814 3.49%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $645,000 $645,000 $6,109 3.00%
JACKSON, MS (FHA|USDA|VA) 2 $620,000 $310,000 $3,150 2.94%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $610,000 $305,000 $3,446 2.94%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $605,000 $201,667 $4,322 3.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $600,000 $300,000 $4,333 3.06%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $595,000 $595,000 $6,380 3.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $575,000 $191,667 $3,046 2.96%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $550,000 $275,000 $4,677 2.69%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $545,000 $545,000 $5,269 2.50%
BRUNSWICK, GA (FHA|USDA|VA) 2 $470,000 $235,000 $3,672 3.44%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $465,000 $465,000 $3,969 3.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $445,000 $445,000 $5,807 2.75%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $425,000 $425,000 $11,196 3.25%
MONTGOMERY, AL (FHA|USDA|VA) 1 $415,000 $415,000 $0 4.00%
ST. GEORGE, UT (FHA|USDA|VA) 1 $415,000 $415,000 $3,422 2.50%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $405,000 $405,000 $3,338 2.75%
Albertville, AL (FHA|USDA|VA) 2 $380,000 $190,000 $3,123 2.88%
Oxford, MS (FHA|USDA|VA) 1 $375,000 $375,000 $3,815 2.88%
MOBILE, AL (FHA|USDA|VA) 1 $365,000 $365,000 $2,697 3.00%
LEBANON, PA (FHA|USDA|VA) 1 $355,000 $355,000 $5,238 3.13%
Dayton, TN (FHA|USDA|VA) 1 $335,000 $335,000 $4,299 3.38%
Cullowhee, NC (FHA|USDA|VA) 1 $325,000 $325,000 $5,151 2.88%
JACKSON, TN (FHA|USDA|VA) 2 $320,000 $160,000 $3,354 2.81%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $315,000 $315,000 $4,347 2.25%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $285,000 $285,000 $3,230 2.88%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $280,000 $140,000 $2,647 3.06%
COLUMBUS, OH (FHA|USDA|VA) 1 $275,000 $275,000 $3,904 2.50%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $265,000 $265,000 $3,211 2.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $3,277 3.38%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $225,000 $225,000 $3,032 3.00%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $225,000 $225,000 $2,448 3.25%
EL PASO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,875 3.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,894 3.88%
Martin, TN (FHA|USDA|VA) 2 $200,000 $100,000 $3,249 3.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $195,000 $195,000 $3,145 3.50%
Paris, TN (FHA|USDA|VA) 1 $185,000 $185,000 $6,344 2.38%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $185,000 $185,000 $2,556 2.50%
DALTON, GA (FHA|USDA|VA) 1 $185,000 $185,000 $3,290 2.38%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $175,000 $175,000 $2,472 2.88%
GADSDEN, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,881 2.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $165,000 $165,000 $3,794 3.49%
OWENSBORO, KY (FHA|USDA|VA) 1 $165,000 $165,000 $2,510 2.75%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,619 2.63%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $145,000 $145,000 $4,935 2.25%
DOTHAN, AL (FHA|USDA|VA) 1 $125,000 $125,000 $2,969 3.25%
Crossville, TN (FHA|USDA|VA) 1 $115,000 $115,000 $3,171 3.25%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,767 2.13%

Capstar Bank's top markets include Nashville, Knoxville, Athens, Chattanooga, and Cleveland among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,895 $955,775,000 $330,147 $3,421 3.08%
FHA 71 $18,565,000 $261,479 $7,691 2.70%
VA 69 $23,995,000 $347,754 $7,068 2.57%
USDA 28 $4,960,000 $177,143 $4,877 2.56%

For the 2021 period, Capstar Bank's most frequently originated loan type of loans were Conventional, with 2,895 originations. Their 2nd most popular type is FHA, with 71 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,395 $536,705,000 $384,735 $3,957 3.06%
Refi 967 $270,905,000 $280,150 $3,196 3.00%
Cash Out Refi 642 $181,390,000 $282,539 $3,583 3.12%
Other 53 $13,915,000 $262,547 $3,469 3.32%
Home Improvement 6 $380,000 $63,333 $1,069 4.88%

For the 2021, Capstar Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,395 originations. The 2nd most popular reason of loans were Refi, with 967 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,345 $774,075,000 $330,096 $3,780 3.02%
15 Year 312 $65,970,000 $211,442 $2,886 2.72%
20 Year 159 $43,135,000 $271,289 $3,152 3.14%
5 Year 80 $57,070,000 $713,375 $778 4.14%
Other 75 $22,165,000 $295,533 $2,700 3.89%
10 Year 64 $10,760,000 $168,125 $2,660 2.93%
30+ year 18 $5,480,000 $304,444 $5,560 4.64%
1 Year 7 $1,935,000 $276,429 $0 4.43%
3 Year 3 $22,705,000 $7,568,333 $0 4.17%

For the 2021, Capstar Bank's most frequently cited loan length of loans were 30 Year, with 2,345 originations. The 2nd most popular length of loans were 15 Year, with 312 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 2,643 $834,145,000 $315,605
$<1k 153 $23,995,000 $156,830
$2k-3k 69 $23,285,000 $337,464
$3k-4k 35 $15,085,000 $431,000
$5k+ 23 $12,725,000 $553,261

$3,780 of loans were Capstar Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,643 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 1,560 $507,430,000 $325,276
3-4% 920 $351,440,000 $382,000
<2.5% 390 $101,100,000 $259,231
4-5% 147 $37,515,000 $255,204
5-6% 33 $4,415,000 $133,788
6-7% 10 $1,090,000 $109,000
7-8% 3 $305,000 $101,667

During 2021, Capstar Bank's average interest rate of loans were 3.02%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,560 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,369 $397,335,000 $290,237 $3,586 3.00%
$100k-200k 763 $117,065,000 $153,427 $2,947 3.11%
$400k-600k 665 $326,145,000 $490,444 $4,454 2.96%
$100,000 or less 154 $11,000,000 $71,429 $2,408 3.64%
$600k-1MM 81 $61,605,000 $760,556 $5,102 3.24%
$1MM+ 31 $90,145,000 $2,907,903 $6,225 3.42%

2021 saw Capstar Bank place emphasis on $200k-400k loans with 1,369 originations, totaling $397,335,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 679 $233,155,000 $343,380 $3,772 2.99%
$50k-75k 609 $142,245,000 $233,571 $3,381 3.05%
$150k-250k 507 $199,805,000 $394,093 $3,950 3.04%
$75k-100k 493 $141,365,000 $286,744 $3,587 3.01%
$50k or less 385 $60,295,000 $156,610 $3,064 3.10%
$250k+ 267 $128,085,000 $479,719 $4,093 3.12%

Capstar Bank lent most frequently to those with incomes in the $100k-150k range, with 679 originations. The second most popular income band? $50k-75k, with 609 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 774 $240,420,000 $310,620 $3,448 2.99%
30-36% 619 $193,305,000 $312,286 $3,646 3.03%
<20% 359 $106,875,000 $297,702 $3,348 3.12%
38% 116 $34,280,000 $295,517 $3,554 3.09%
37% 114 $33,310,000 $292,193 $3,767 3.09%
43% 110 $34,030,000 $309,364 $3,731 3.03%
41% 107 $33,765,000 $315,561 $3,958 3.05%
42% 106 $34,760,000 $327,925 $3,709 3.04%
44% 106 $37,040,000 $349,434 $3,796 3.10%
39% 102 $28,600,000 $280,392 $3,227 3.02%
36% 93 $27,055,000 $290,914 $3,735 3.02%
40% 85 $26,025,000 $306,176 $3,546 3.02%
45% 69 $21,715,000 $314,710 $3,598 3.01%
46% 50 $14,370,000 $287,400 $3,924 3.01%
47% 41 $11,905,000 $290,366 $4,356 3.02%
50-60% 39 $12,965,000 $332,436 $6,193 3.23%
48% 38 $10,970,000 $288,684 $4,153 2.96%
49% 30 $9,010,000 $300,333 $3,852 3.18%
>60% 1 $505,000 $505,000 $0 4.75%

Capstar Bank lent most frequently to those with DTI ratios of 20-30%, with 774 originations. The next most common DTI ratio? 30-36%, with 619 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,749 $843,745,000 $306,928 $3,621 3.03%
Not applicable 75 $85,235,000 $1,136,467 $0 3.99%
Asian 75 $25,645,000 $341,933 $3,369 2.90%
Not provided 65 $23,725,000 $365,000 $4,320 3.33%
Black 93 $22,645,000 $243,495 $3,537 2.99%
American Indian 3 $1,055,000 $351,667 $4,106 2.83%
Native Hawaiian 1 $445,000 $445,000 $4,222 2.88%
Other Asian 1 $435,000 $435,000 $2,427 3.25%
Asian Indian 1 $365,000 $365,000 $4,263 2.88%

Approval Rates

Total approvals of all applications
93.51%

Capstar Bank has an average approval rate.

Pick Rate

Approvals leading to origination
85.25%

Capstar Bank has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 3,063 $1,003,295,000 $327,553

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
3,063 $1,003,295,000 $327,553

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 187 $39,335,000 $210,348 $3,093 2.97%
40-60% 562 $155,860,000 $277,331 $3,204 2.92%
60-80% 1,357 $470,275,000 $346,555 $3,448 3.17%
80-100% 910 $323,350,000 $355,330 $4,162 2.97%
Over 100% 20 $9,970,000 $498,500 $10,617 3.88%
Under 20% 27 $4,505,000 $166,852 $2,543 3.60%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Capstar Bank 5120 Maryland Way Brentwood, TN 37027 Full Service B&M $196,084
Capstar Bank 106 Washington Avenue Nw Athens, TN 37303 Full Service B&M $305,280
Capstar Bank 107 East Broadway Street Collinwood, TN 38450 Full Service B&M $38,676
Capstar Bank 10820 Kingston Pike, Suite 12 And 14 Knoxville, TN 37934 Full Service B&M $12,403
Capstar Bank 1103 Decatur Pike Athens, TN 37303 Full Service B&M $28,233
Capstar Bank 1201 Demonbreun St, Ste 700 Nashville, TN 37203 Full Service B&M $1,163,841
Capstar Bank 1814 Hillsboro Blvd Manchester, TN 37355 Full Service B&M $31,455
Capstar Bank 201 South Main Street Waynesboro, TN 38485 Full Service B&M $28,448
Capstar Bank 2102 North Locust Avenue Lawrenceburg, TN 38464 Full Service B&M $81,909
Capstar Bank 215 Warren Street Madisonville, TN 37354 Full Service B&M $63,141
Capstar Bank 2230 Mercury Blvd Murfreesboro, TN 37130 Full Service B&M $35,628
Capstar Bank 225 North Military Avenue Lawrenceburg, TN 38464 Full Service B&M $28,798
Capstar Bank 2321 Crestmoor Road Nashville, TN 37215 Full Service B&M $164,871
Capstar Bank 3855 Ocoee St N Ste 100 Cleveland, TN 37312 Full Service B&M $39,612
Capstar Bank 100 West High Street Manchester, TN 37355 Full Service B&M $136,695
Capstar Bank 101 Springhouse Court Hendersonville, TN 37075 Full Service B&M $108,318
Capstar Bank 523 Tennessee Avenue Etowah, TN 37331 Full Service B&M $67,465
Capstar Bank 716 Highway 99 Waynesboro, TN 38485 Full Service B&M $3,861
Capstar Bank 761 New Highway 68 Sweetwater, TN 37874 Full Service B&M $59,342
Capstar Bank 801 West Main Street Woodbury, TN 37190 Full Service B&M $99,599
Capstar Bank 885 Greenlea Boulevard Gallatin, TN 37066 Full Service B&M $89,280
Capstar Bank 950 25th Street Nw Cleveland, TN 37311 Full Service B&M $7,403

For 2021, Capstar Bank had 22 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $98,459
Net interest income $92,745
Total noninterest income $42,640
Gross Fiduciary activities income $0
Service charges on deposit accounts $4,515
Trading account gains and fees $0
Additional Noninterest Income $38,125
Pre-tax net operating income $63,877
Securities gains (or losses, -) $28
Income before extraordinary items $50,561
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $50,561
Minority interest net income $0
Net income $50,561
Sale, conversion, retirement of capital stock, net $1,381
Net operating income $50,538

Capstar Bank's gross interest income from loans was $98,459,000.
Capstar Bank's net interest income from loans was $92,745,000.
Capstar Bank's fee based income from loans was $4,515,000.
Capstar Bank's net income from loans was $50,561,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $5,714
Provision for credit losses $-1,066
Total noninterest expense $72,574
Salaries and employee benefits $41,328
Premises and equipment expense $5,882
Additional noninterest expense $25,364
Applicable income taxes $13,344
Net charge-offs $481
Cash dividends $5,150

Capstar Bank's interest expense for loans was $5,714,000.
Capstar Bank's payroll and benefits expense were $41,328,000.
Capstar Bank's property, plant and equipment expenses $5,882,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 1.0%
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 $2,693,704
Deposits held in domestic offices $2,693,704
Deposits by Individuals, partnerships, and corporations $1,999,935
Deposits by U.S. Government $35
Deposits by States and political subdivisions in the U.S. $282,454
Deposits by Commercial banks and other depository institutions in U.S. $411,280
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $373,629
Demand deposits $368,346
Nontransaction accounts $2,320,075
Money market deposit accounts (MMDAs) $1,787,652
Other savings deposits (excluding MMDAs) $159,312
Total time deposits $373,111
Total time and savings deposits $2,325,358
Noninterest-bearing deposits $734,594
Interest-bearing deposits $1,959,110
Retail deposits $2,571,665
IRAs and Keogh plan accounts $42,669
Brokered deposits $602
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $3,129,211
Cash & Balances due from depository institutions $392,598
Interest-bearing balances $347,023
Total securities $461,178
Federal funds sold & reverse repurchase $19,900
Net loans and leases $2,027,786
Loan and leases loss allowance $21,698
Trading account assets $1,594
Bank premises and fixed assets $36,460
Other real estate owned $266
Goodwill and other intangibles $49,429
All other assets $140,000

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $3,129,211
Total Liabilities $2,732,782
Total deposits $2,693,704
Interest-bearing deposits $1,959,110
Deposits held in domestic offices $2,693,704
% insured (estimated) $46
Federal funds purchased and repurchase agreements $0
Trading liabilities $1,594
Other borrowed funds $11,893
Subordinated debt $0
All other liabilities $25,591

Issued Loan Types

Type Value (in 000's)
Net loans and leases $2,027,786
Loan and leases loss allowance $21,698
Total loans and leases (domestic) $2,049,484
All real estate loans $1,444,122
Real estate loans in domestic offices $1,444,122
Construction and development loans $214,309
Residential 1-4 family construction $44,166
Other construction, all land development and other land $170,143
Loans secured by nonfarm nonresidential properties $763,335
Nonfarm nonresidential secured by owner-occupied properties $209,262
Commercial real estate & other non-farm, non-residential $554,073
Multifamily residential real estate $81,968
1-4 family residential loans $363,632
Farmland loans $20,878
Loans held in foreign offices $0
Farm loans $4,706
Commercial and industrial loans $503,127
To non-U.S. addressees $0
Loans to individuals $46,812
Credit card loans $0
Related Plans $15,064
Consumer Auto Loans $14,051
Other loans to individuals $17,697
All other loans & leases $50,717
Loans to foreign governments and official institutions $0
Other loans $48,951
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $28,491
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $1,832
Non 1-4 family restructured loans & leases $1,178
Total loans and leases (foreign) $0

CapStar Bank had $2,027,786,000 of loans outstanding in 2021. $1,444,122,000 of loans were in real estate loans. $214,309,000 of loans were in development loans. $81,968,000 of loans were in multifamily mortgage loans. $363,632,000 of loans were in 1-4 family mortgage loans. $4,706,000 of loans were in farm loans. $0 of loans were in credit card loans. $14,051,000 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 525 $124,997 $238,090
Nonfarm, nonresidential loans - <$100k 164 $5,933 $36,177
Nonfarm, nonresidential loans - $100-250k 154 $19,554 $126,974
Nonfarm, nonresidential loans - $250k-1MM 207 $99,510 $480,725
Commercial & Industrial, US addressed loans - <$1MM 1,906 $148,246 $77,779
Commercial & Industrial, US addressed loans - <$100k 1,454 $28,260 $19,436
Commercial & Industrial, US addressed loans - $100-250k 224 $26,548 $118,518
Commercial & Industrial, US addressed loans - $250k-1MM 228 $93,438 $409,816
Farmland loans - <$1MM 179 $18,404 $102,816
Farmland loans - <$100k 121 $6,394 $52,843
Farmland loans - $100-250k 48 $7,872 $164,000
Farmland loans - $250k-1MM 10 $4,138 $413,800
Agriculture operations loans - <$1MM 174 $4,706 $27,046
Agriculture operations loans - <$100k 160 $2,935 $18,344
Agriculture operations loans - $100-250k 12 $1,302 $108,500
Agriculture operations loans - $250k-1MM 2 $469 $234,500