The Fnb Community Bank Mortgage Rates, Fees & Info

Vandalia, IL

LEI: 549300CW5TQ2ILVQPH09

Tax ID: 37-0562445

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    The Fnb Community Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. The Fnb Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Centralia, Effingham, and Mount Vernon among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Fnb Community 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.

    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.

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    Originations

    126

    Origination Dollar Volume (All Markets)

    $12,610,000

    Employee count

    86

    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
    Outside of Metro Areas 90 $8,520,000 $94,667 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 24 $3,060,000 $127,500 $0 0.00%
    Centralia, IL (FHA|USDA|VA) 9 $745,000 $82,778 $0 0.00%
    Effingham, IL (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
    Mount Vernon, IL (FHA|USDA|VA) 2 $120,000 $60,000 $0 0.00%
    The Fnb Community Bank's top markets include St. Louis, Centralia, Effingham, and Mount Vernon among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 106 $10,980,000 $103,585 $0 0.00%
    USDA 20 $1,630,000 $81,500 $0 0.00%

    For 2018, The Fnb Community Bank's most frequently originated type of loan was Conventional, with 106 originations. Their 2nd most popular type was USDA, with 20 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 71 $6,325,000 $89,085 $0 0.00%
    Cash Out Refi 37 $3,775,000 $102,027 $0 0.00%
    Refi 15 $2,365,000 $157,667 $0 0.00%
    Other 3 $145,000 $48,333 $0 0.00%

    For 2018, The Fnb Community Bank's most frequently cited loan purpose was Home Purchase, with 71 originations. The 2nd most popular reason was Cash Out Refi, with 37 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 126 $12,610,000 $100,079 $0 0.00%

    For 2018, The Fnb Community Bank's most frequently cited loan duration was Other, with 126 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 81 $4,285,000 $52,901 $0 0.00%
    $100k-200k 31 $4,435,000 $143,065 $0 0.00%
    $200k-400k 12 $2,930,000 $244,167 $0 0.00%
    $400k-600k 2 $960,000 $480,000 $0 0.00%

    2018 saw The Fnb Community Bank place emphasis on $100,000 or less loans with 81 originations, totaling $4,285,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 49 $2,935,000 $59,898 $0 0.00%
    $50k-75k 26 $2,210,000 $85,000 $0 0.00%
    $75k-100k 19 $2,745,000 $144,474 $0 0.00%
    $100k-150k 15 $1,735,000 $115,667 $0 0.00%
    $250k+ 3 $1,305,000 $435,000 $0 0.00%
    $150k-250k 2 $360,000 $180,000 $0 0.00%

    The Fnb Community Bank lent most frequently to those with incomes in the $50k or less range, with 49 originations. The second most popular income band? $50k-75k, with 26 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 126 $12,610,000 $100,079 $0 0.00%

    The Fnb Community Bank lent most frequently to those with DTI ratios of Exempt%, with 126 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 110 $10,910,000 $99,182 $0 0.00%
    Not applicable 12 $1,320,000 $110,000 $0 0.00%
    Black 2 $190,000 $95,000 $0 0.00%
    Not provided 2 $190,000 $95,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.61%

    The Fnb Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.30%

    The Fnb Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 126 $12,610,000 $100,079

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $555,000 $185,000
    Single Family (1-4 Units):Manufactured 24 $1,720,000 $71,667
    Single Family (1-4 Units):Site-Built 99 $10,335,000 $104,394

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The First National Bank 102 Maple Street Mulberry Grove, IL 62262 Full Service B&M $11,624
    The First National Bank 1310 East City Route 40 Greenville, IL 62246 Full Service B&M $35,505
    The First National Bank 1420 North 8th Street Vandalia, IL 62471 Full Service B&M $12,526
    The First National Bank 209 South Railroad Street Patoka, IL 62875 Full Service B&M $21,830
    The First National Bank 227 South Superior Street Ramsey, IL 62080 Full Service B&M $24,912
    The First National Bank 311 Banker Blvd Vandalia, IL 62471 Full Service B&M $10,719
    The First National Bank 432 West Gallatin Street Vandalia, IL 62471 Full Service B&M $153,192

    For 2018, The Fnb Community Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $12,223
    Net interest income $11,115
    Total noninterest income $2,548
    Gross Fiduciary activities income $413
    Service charges on deposit accounts $443
    Trading account gains and fees $0
    Additional Noninterest Income $1,692
    Pre-tax net operating income $4,854
    Securities gains (or losses, -) $-2
    Income before extraordinary items $4,122
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,122
    Minority interest net income $0
    Net income $4,122
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,123

    The Fnb Community Bank's gross interest income from loans was $12,223,000.
    The Fnb Community Bank's net interest income from loans was $11,115,000.
    The Fnb Community Bank's fee based income from loans was $443,000.
    The Fnb Community Bank's net income from loans was $4,122,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,108
    Provision for credit losses $260
    Total noninterest expense $8,549
    Salaries and employee benefits $4,733
    Premises and equipment expense $797
    Additional noninterest expense $3,019
    Applicable income taxes $730
    Net charge-offs $43
    Cash dividends $1,275

    The Fnb Community Bank's interest expense for loans was $1,108,000.
    The Fnb Community Bank's payroll and benefits expense were $4,733,000.
    The Fnb Community Bank's property, plant and equipment expenses $797,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    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 2.0%
    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 $285,329
    Deposits held in domestic offices $285,329
    Deposits by Individuals, partnerships, and corporations $225,471
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $59,513
    Deposits by Commercial banks and other depository institutions in U.S. $345
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $155,130
    Demand deposits $50,124
    Nontransaction accounts $130,199
    Money market deposit accounts (MMDAs) $34,203
    Other savings deposits (excluding MMDAs) $39,327
    Total time deposits $56,669
    Total time and savings deposits $235,205
    Noninterest-bearing deposits $50,124
    Interest-bearing deposits $235,205
    Retail deposits $277,820
    IRAs and Keogh plan accounts $7,061
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $337,348
    Cash & Balances due from depository institutions $22,278
    Interest-bearing balances $14,600
    Total securities $96,762
    Federal funds sold & reverse repurchase $0
    Net loans and leases $197,027
    Loan and leases loss allowance $1,981
    Trading account assets $0
    Bank premises and fixed assets $4,881
    Other real estate owned $22
    Goodwill and other intangibles $3,250
    All other assets $13,128

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $337,348
    Total Liabilities $292,742
    Total deposits $285,329
    Interest-bearing deposits $235,205
    Deposits held in domestic offices $285,329
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $4,856
    Subordinated debt $0
    All other liabilities $2,557

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $197,027
    Loan and leases loss allowance $1,981
    Total loans and leases (domestic) $199,008
    All real estate loans $158,829
    Real estate loans in domestic offices $158,829
    Construction and development loans $2,572
    Residential 1-4 family construction $1,806
    Other construction, all land development and other land $766
    Loans secured by nonfarm nonresidential properties $42,863
    Nonfarm nonresidential secured by owner-occupied properties $29,195
    Commercial real estate & other non-farm, non-residential $13,668
    Multifamily residential real estate $1,130
    1-4 family residential loans $52,011
    Farmland loans $60,253
    Loans held in foreign offices $0
    Farm loans $19,386
    Commercial and industrial loans $15,641
    To non-U.S. addressees $0
    Loans to individuals $3,751
    Credit card loans $0
    Related Plans $95
    Consumer Auto Loans $1,445
    Other loans to individuals $2,211
    All other loans & leases $1,401
    Loans to foreign governments and official institutions $0
    Other loans $84
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $439
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $491
    Non 1-4 family restructured loans & leases $491
    Total loans and leases (foreign) $0

    The FNB Community Bank had $197,027,000 of loans outstanding in 2018. $158,829,000 of loans were in real estate loans. $2,572,000 of loans were in development loans. $1,130,000 of loans were in multifamily mortgage loans. $52,011,000 of loans were in 1-4 family mortgage loans. $19,386,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,445,000 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 257 $26,052 $101,370
    Nonfarm, nonresidential loans - <$100k 146 $4,770 $32,671
    Nonfarm, nonresidential loans - $100-250k 69 $6,785 $98,333
    Nonfarm, nonresidential loans - $250k-1MM 42 $14,497 $345,167
    Commercial & Industrial, US addressed loans - <$1MM 345 $8,887 $25,759
    Commercial & Industrial, US addressed loans - <$100k 309 $3,722 $12,045
    Commercial & Industrial, US addressed loans - $100-250k 21 $1,443 $68,714
    Commercial & Industrial, US addressed loans - $250k-1MM 15 $3,722 $248,133
    Farmland loans - <$1MM 345 $32,340 $93,739
    Farmland loans - <$100k 194 $6,442 $33,206
    Farmland loans - $100-250k 106 $13,521 $127,557
    Farmland loans - $250k-1MM 45 $12,377 $275,044
    Agriculture operations loans - <$1MM 326 $13,958 $42,816
    Agriculture operations loans - <$100k 272 $4,976 $18,294
    Agriculture operations loans - $100-250k 35 $3,835 $109,571
    Agriculture operations loans - $250k-1MM 19 $5,147 $270,895