Community Bank And Trust Mortgage Rates, Fees & Info
Neosho, MOLEI: 549300COZ9YQTC4J1378
Tax ID: 44-0162220
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Mortgage Data
Bank Data
Review & Overview
Community Bank And Trust is a smaller bank specializing in Refi and Home Purchase loans. Community Bank And Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Joplin, Branson, Fayetteville, Springfield, and Tampa among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Community Bank And Trust has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
282Origination Dollar Volume (All Markets)
$41,250,000Employee count
120Top 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 |
|---|---|---|---|---|---|
| JOPLIN, MO (FHA|USDA|VA) | 217 | $31,455,000 | $144,954 | $0 | 0.00% |
| Outside of Metro Areas | 50 | $6,440,000 | $128,800 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| Miami, OK (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
For 2021, Community Bank And Trust's most frequently originated type of loan was Conventional, with 266 originations. Their 2nd most popular type was USDA, with 8 originations.
Loan Reason
For 2021, Community Bank And Trust's most frequently cited loan purpose was Refi, with 107 originations. The 2nd most popular reason was Home Purchase, with 101 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 282 | $41,250,000 | $146,277 | $0 | 0.00% |
For 2021, Community Bank And Trust's most frequently cited loan duration was Other, with 282 originations.
Loan Sizing
2021 saw Community Bank And Trust place emphasis on $100,000 or less loans with 117 originations, totaling $6,845,000 in origination value.
Applicant Income
Community Bank And Trust lent most frequently to those with incomes in the $50k or less range, with 78 originations. The second most popular income band? $50k-75k, with 55 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 282 | $41,250,000 | $146,277 | $0 | 0.00% |
Community Bank And Trust lent most frequently to those with DTI ratios of Exempt%, with 282 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.47%
Community Bank And Trust has an average approval rate.
Pick Rate
Approvals leading to origination76.24%
Community Bank And Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 282 | $41,250,000 | $146,277 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| COMMUNITY BANK SYSTEM, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Community Bank and Trust | 100 South Wood Street Neosho, MO 64850 | Full Service B&M | $68,106 |
| Community Bank and Trust | 101 South Main Carl Junction, MO 64834 | Full Service B&M | $25,120 |
| Community Bank and Trust | 107 Market Street Diamond, MO 64840 | Full Service B&M | $17,195 |
| Community Bank and Trust | 1102 Cherokee Seneca, MO 64865 | Full Service B&M | $25,727 |
| Community Bank and Trust | 119 Main Street Anderson, MO 64831 | Full Service B&M | $23,448 |
| Community Bank and Trust | 202 Main Street Granby, MO 64844 | Full Service B&M | $23,853 |
| Community Bank and Trust | 215 East Seventh Street Galena, KS 66739 | Full Service B&M | $35,453 |
| Community Bank and Trust | 3105 Lusk Drive Neosho, MO 64850 | Full Service B&M | $18,363 |
| Community Bank and Trust | 3131 East 7th Street Joplin, MO 64802 | Full Service B&M | $29,866 |
| Community Bank and Trust | 325 W. George E. Phelps Boulevard Carthage, MO 64836 | Full Service B&M | $1,613 |
| Community Bank and Trust | 414 East 32nd Street Joplin, MO 64801 | Full Service B&M | $41,604 |
| Community Bank and Trust | 528 South Neosho Boulevard Neosho, MO 64850 | Full Service B&M | $36,385 |
| Community Bank and Trust | 5570 N. Main Street Road Joplin, MO 64801 | Full Service B&M | $8,921 |
For 2021, Community Bank And Trust had 13 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $9,639 |
| Net interest income | $9,571 |
| Total noninterest income | $5,863 |
| Gross Fiduciary activities income | $634 |
| Service charges on deposit accounts | $2,527 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $2,702 |
| Pre-tax net operating income | $2,973 |
| Securities gains (or losses, -) | $50 |
| Income before extraordinary items | $3,017 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $3,017 |
| Minority interest net income | $0 |
| Net income | $3,017 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $2,967 |
Community Bank And Trust's gross interest income from loans was $9,639,000.
Community Bank And Trust's net interest income from loans was $9,571,000.
Community Bank And Trust's fee based income from loans was $2,527,000.
Community Bank And Trust's net income from loans was $3,017,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $68 |
| Provision for credit losses | $35 |
| Total noninterest expense | $12,426 |
| Salaries and employee benefits | $7,145 |
| Premises and equipment expense | $1,514 |
| Additional noninterest expense | $3,767 |
| Applicable income taxes | $6 |
| Net charge-offs | $45 |
| Cash dividends | $425 |
Community Bank And Trust's interest expense for loans was $68,000.
Community Bank And Trust's payroll and benefits expense were $7,145,000.
Community Bank And Trust's property, plant and equipment expenses $1,514,000.
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 | 0.0% |
| 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 | $366,363 |
| Deposits held in domestic offices | $366,363 |
| Deposits by Individuals, partnerships, and corporations | $335,574 |
| Deposits by U.S. Government | $1 |
| Deposits by States and political subdivisions in the U.S. | $30,788 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $64,076 |
| Demand deposits | $31,694 |
| Nontransaction accounts | $302,287 |
| Money market deposit accounts (MMDAs) | $25,255 |
| Other savings deposits (excluding MMDAs) | $257,318 |
| Total time deposits | $19,714 |
| Total time and savings deposits | $334,669 |
| Noninterest-bearing deposits | $112,444 |
| Interest-bearing deposits | $253,919 |
| Retail deposits | $364,289 |
| IRAs and Keogh plan accounts | $8,618 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $415,896 |
| Cash & Balances due from depository institutions | $116,970 |
| Interest-bearing balances | $110,986 |
| Total securities | $103,917 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $180,328 |
| Loan and leases loss allowance | $1,820 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,196 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $2,210 |
| All other assets | $6,275 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $415,896 |
| Total Liabilities | $382,814 |
| Total deposits | $366,363 |
| Interest-bearing deposits | $253,919 |
| Deposits held in domestic offices | $366,363 |
| % insured (estimated) | $86 |
| Federal funds purchased and repurchase agreements | $13,839 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $2,612 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $180,328 |
| Loan and leases loss allowance | $1,820 |
| Total loans and leases (domestic) | $182,148 |
| All real estate loans | $115,034 |
| Real estate loans in domestic offices | $115,034 |
| Construction and development loans | $2,430 |
| Residential 1-4 family construction | $593 |
| Other construction, all land development and other land | $1,837 |
| Loans secured by nonfarm nonresidential properties | $28,959 |
| Nonfarm nonresidential secured by owner-occupied properties | $10,554 |
| Commercial real estate & other non-farm, non-residential | $18,405 |
| Multifamily residential real estate | $177 |
| 1-4 family residential loans | $50,150 |
| Farmland loans | $33,318 |
| Loans held in foreign offices | $0 |
| Farm loans | $35,195 |
| Commercial and industrial loans | $11,544 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $5,586 |
| Credit card loans | $0 |
| Related Plans | $76 |
| Consumer Auto Loans | $4,098 |
| Other loans to individuals | $1,412 |
| All other loans & leases | $14,789 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| 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 | $1,670 |
| Non 1-4 family restructured loans & leases | $1,577 |
| Total loans and leases (foreign) | $0 |
Community Bank and Trust had $180,328,000 of loans outstanding in 2021. $115,034,000 of loans were in real estate loans. $2,430,000 of loans were in development loans. $177,000 of loans were in multifamily mortgage loans. $50,150,000 of loans were in 1-4 family mortgage loans. $35,195,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,098,000 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 | 54 | $9,322 | $172,630 |
| Nonfarm, nonresidential loans - <$100k | 16 | $557 | $34,813 |
| Nonfarm, nonresidential loans - $100-250k | 20 | $2,459 | $122,950 |
| Nonfarm, nonresidential loans - $250k-1MM | 18 | $6,306 | $350,333 |
| Commercial & Industrial, US addressed loans - <$1MM | 205 | $10,789 | $52,629 |
| Commercial & Industrial, US addressed loans - <$100k | 143 | $3,064 | $21,427 |
| Commercial & Industrial, US addressed loans - $100-250k | 50 | $4,675 | $93,500 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 12 | $3,050 | $254,167 |
| Farmland loans - <$1MM | 158 | $17,814 | $112,747 |
| Farmland loans - <$100k | 68 | $2,589 | $38,074 |
| Farmland loans - $100-250k | 61 | $7,739 | $126,869 |
| Farmland loans - $250k-1MM | 29 | $7,486 | $258,138 |
| Agriculture operations loans - <$1MM | 173 | $18,623 | $107,647 |
| Agriculture operations loans - <$100k | 103 | $2,244 | $21,786 |
| Agriculture operations loans - $100-250k | 38 | $5,436 | $143,053 |
| Agriculture operations loans - $250k-1MM | 32 | $10,943 | $341,969 |