Capstar Bank Mortgage Rates, Fees & Info

Nashville, TN

LEI: 549300CF5UDGUFHYM827

Tax ID: 26-0189349

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & 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 by origination volume include: Nashville, Knoxville, Athens, Chattanooga, and Cleveland among others. We have data for 83 markets. (Some data included below & more in-depth data is available with an active subscription.)

Capstar 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. Capstar 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)	6.27%	4/28/24
30 Year Conventional Purchase	6.57%	4/28/24
30 Year Conventional Refi	6.51%	4/28/24
30 Year Cash-out Refi	6.71%	4/28/24
30 Year FHA Purchase	7.12%	4/28/24
30 Year FHA Refi	8.01%	4/28/24
30 Year VA Purchase	6.20%	4/28/24
30 Year VA Refi	6.45%	4/28/24
30 Year USDA Purchase	6.54%	4/28/24
15 Year Conventional Purchase	6.09%	4/28/24
15 Year Conventional Refi	6.33%	4/28/24
15 Year Cash-out Refi	6.33%	4/28/24
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.

Capstar Bank Mortgage Calculator

Purchase Price:

Loan Amount:

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% Deposit:

Interest Rate:

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Your Estimates

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

This is not an official calculator from Capstar 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

3,063

Origination Dollar Volume (All Markets)

$1,003,295,000

Employee count

397

Awards

CapStar Bank 30 Year Conventional Loans silver

CapStar Bank 30 Year Conventional Loans gold

CapStar Bank 30 Year Conventional Loans bronze

Show all (11) 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
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.

Their top states include:

Tennessee (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Georgia (FHA|USDA|VA)

Alabama (FHA|USDA|VA)

North Carolina (FHA|USDA|VA)

Similar Lenders

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

CONSUMER Credit Union
Similarity Rank: 224

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KELLEY MORTGAGE, LLC
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Fortera Federal Credit Union
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First Vision Bank of Tennessee
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US COMMUNITY
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Home Federal Bank of Tennessee
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Southeast Financial Credit Union
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Citizens Tri-County Bank
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,894	$955,250,000	$330,079	$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%
HELOC	1	$525,000	$525,000	n/a	4.00%

For 2021, Capstar Bank's most frequently originated type of loan was Conventional, with 2,894 originations. Their 2nd most popular type was FHA, with 71 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. 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 2021, Capstar Bank's most frequently cited loan purpose was Home Purchase, with 1,395 originations. The 2nd most popular reason was 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 2021, Capstar Bank's most frequently cited loan duration was 30 Year, with 2,345 originations. The 2nd most popular length was 15 Year, with 312 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	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
$5k+	23	$12,725,000	$553,261
$3k-4k	21	$7,625,000	$363,095
$4k-5k	14	$7,460,000	$532,857

Capstar Bank's average total fees were $3,780, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.02%, while their most frequently originated rate bucket for loans was 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 or Islander	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
94.81%

Capstar Bank has an average approval rate.

Pick Rate

Approvals leading to origination
88.54%

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	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	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	5120 Maryland Way Brentwood, TN 37027	Full Service B&M	$196,084
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