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 Refi loans. The Fnb Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Louisville, Centralia, Mount Vernon, and Indianapolis among others. We have data for 9 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

    115

    Origination Dollar Volume (All Markets)

    $10,645,000

    Employee count

    83

    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 80 $7,460,000 $93,250 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 22 $1,800,000 $81,818 $0 0.00%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $735,000 $735,000 $0 0.00%
    Centralia, IL (FHA|USDA|VA) 7 $355,000 $50,714 $0 0.00%
    Mount Vernon, IL (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
    Taylorville, IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    Portsmouth, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $25,000 $25,000 $0 0.00%
    The Fnb Community Bank's top markets include St. Louis, Louisville, Centralia, Mount Vernon, and Indianapolis among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 98 $9,190,000 $93,776 $0 0.00%
    USDA 17 $1,455,000 $85,588 $0 0.00%

    For 2019, The Fnb Community Bank's most frequently originated type of loan was Conventional, with 98 originations. Their 2nd most popular type was USDA, with 17 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 59 $5,435,000 $92,119 $0 0.00%
    Refi 45 $4,615,000 $102,556 $0 0.00%
    Other 7 $445,000 $63,571 $0 0.00%
    Home Improvement 3 $85,000 $28,333 $0 0.00%
    Cash Out Refi 1 $65,000 $65,000 $0 0.00%

    For 2019, The Fnb Community Bank's most frequently cited loan purpose was Home Purchase, with 59 originations. The 2nd most popular reason was Refi, with 45 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 115 $10,645,000 $92,565 $0 0.00%

    For 2019, The Fnb Community Bank's most frequently cited loan duration was Other, with 115 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 80 $3,940,000 $49,250 $0 0.00%
    $100k-200k 24 $3,300,000 $137,500 $0 0.00%
    $200k-400k 9 $2,105,000 $233,889 $0 0.00%
    $400k-600k 1 $565,000 $565,000 $0 0.00%
    $600k-1MM 1 $735,000 $735,000 $0 0.00%

    2019 saw The Fnb Community Bank place emphasis on $100,000 or less loans with 80 originations, totaling $3,940,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 43 $3,945,000 $91,744 $0 0.00%
    $50k or less 34 $1,490,000 $43,824 $0 0.00%
    $75k-100k 17 $1,655,000 $97,353 $0 0.00%
    $100k-150k 9 $855,000 $95,000 $0 0.00%
    $150k-250k 4 $670,000 $167,500 $0 0.00%
    $250k+ 1 $115,000 $115,000 $0 0.00%

    The Fnb Community Bank lent most frequently to those with incomes in the $50k-75k range, with 43 originations. The second most popular income band? $50k or less, with 34 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 115 $10,645,000 $92,565 $0 0.00%

    The Fnb Community Bank lent most frequently to those with DTI ratios of Exempt%, with 115 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 107 $8,645,000 $80,794 $0 0.00%
    Not applicable 7 $1,915,000 $273,571 $0 0.00%
    Asian 1 $85,000 $85,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.28%

    The Fnb Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.96%

    The Fnb Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 115 $10,645,000 $92,565

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $735,000 $735,000
    Single Family (1-4 Units):Manufactured 19 $985,000 $51,842
    Single Family (1-4 Units):Site-Built 95 $8,925,000 $93,947

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The FNB Community Bank 102 Maple Street Mulberry Grove, IL 62262 Full Service B&M $12,093
    The FNB Community Bank 1310 East City Route 40 Greenville, IL 62246 Full Service B&M $39,023
    The FNB Community Bank 1420 North 8th Street Vandalia, IL 62471 Full Service B&M $12,458
    The FNB Community Bank 209 South Railroad Street Patoka, IL 62875 Full Service B&M $22,703
    The FNB Community Bank 227 South Superior Street Ramsey, IL 62080 Full Service B&M $27,096
    The FNB Community Bank 311 Banker Blvd Vandalia, IL 62471 Full Service B&M $12,407
    The FNB Community Bank 432 West Gallatin Street Vandalia, IL 62471 Full Service B&M $157,367

    For 2019, The Fnb Community Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $13,579
    Net interest income $11,809
    Total noninterest income $2,718
    Gross Fiduciary activities income $456
    Service charges on deposit accounts $419
    Trading account gains and fees $0
    Additional Noninterest Income $1,843
    Pre-tax net operating income $5,460
    Securities gains (or losses, -) $40
    Income before extraordinary items $4,311
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,311
    Minority interest net income $0
    Net income $4,311
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,279

    The Fnb Community Bank's gross interest income from loans was $13,579,000.
    The Fnb Community Bank's net interest income from loans was $11,809,000.
    The Fnb Community Bank's fee based income from loans was $419,000.
    The Fnb Community Bank's net income from loans was $4,311,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,770
    Provision for credit losses $255
    Total noninterest expense $8,812
    Salaries and employee benefits $5,019
    Premises and equipment expense $724
    Additional noninterest expense $3,069
    Applicable income taxes $1,189
    Net charge-offs $60
    Cash dividends $1,162

    The Fnb Community Bank's interest expense for loans was $1,770,000.
    The Fnb Community Bank's payroll and benefits expense were $5,019,000.
    The Fnb Community Bank's property, plant and equipment expenses $724,000.

    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 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    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 $297,575
    Deposits held in domestic offices $297,575
    Deposits by Individuals, partnerships, and corporations $233,399
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $63,914
    Deposits by Commercial banks and other depository institutions in U.S. $262
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $153,545
    Demand deposits $48,616
    Nontransaction accounts $144,030
    Money market deposit accounts (MMDAs) $34,381
    Other savings deposits (excluding MMDAs) $41,616
    Total time deposits $68,033
    Total time and savings deposits $248,959
    Noninterest-bearing deposits $48,616
    Interest-bearing deposits $248,959
    Retail deposits $285,920
    IRAs and Keogh plan accounts $7,315
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $355,622
    Cash & Balances due from depository institutions $21,680
    Interest-bearing balances $14,007
    Total securities $107,401
    Federal funds sold & reverse repurchase $0
    Net loans and leases $205,753
    Loan and leases loss allowance $2,176
    Trading account assets $0
    Bank premises and fixed assets $4,712
    Other real estate owned $46
    Goodwill and other intangibles $3,250
    All other assets $12,780

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $355,622
    Total Liabilities $306,157
    Total deposits $297,575
    Interest-bearing deposits $248,959
    Deposits held in domestic offices $297,575
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $5,554
    Subordinated debt $0
    All other liabilities $3,028

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $205,753
    Loan and leases loss allowance $2,176
    Total loans and leases (domestic) $207,929
    All real estate loans $167,268
    Real estate loans in domestic offices $167,268
    Construction and development loans $1,809
    Residential 1-4 family construction $1,094
    Other construction, all land development and other land $715
    Loans secured by nonfarm nonresidential properties $47,969
    Nonfarm nonresidential secured by owner-occupied properties $29,080
    Commercial real estate & other non-farm, non-residential $18,889
    Multifamily residential real estate $1,765
    1-4 family residential loans $52,961
    Farmland loans $62,764
    Loans held in foreign offices $0
    Farm loans $20,186
    Commercial and industrial loans $15,196
    To non-U.S. addressees $0
    Loans to individuals $3,909
    Credit card loans $0
    Related Plans $92
    Consumer Auto Loans $1,520
    Other loans to individuals $2,297
    All other loans & leases $1,370
    Loans to foreign governments and official institutions $0
    Other loans $49
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $235
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $354
    Non 1-4 family restructured loans & leases $354
    Total loans and leases (foreign) $0

    The FNB Community Bank had $205,753,000 of loans outstanding in 2019. $167,268,000 of loans were in real estate loans. $1,809,000 of loans were in development loans. $1,765,000 of loans were in multifamily mortgage loans. $52,961,000 of loans were in 1-4 family mortgage loans. $20,186,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,520,000 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 269 $27,381 $101,788
    Nonfarm, nonresidential loans - <$100k 148 $4,843 $32,723
    Nonfarm, nonresidential loans - $100-250k 76 $7,851 $103,303
    Nonfarm, nonresidential loans - $250k-1MM 45 $14,687 $326,378
    Commercial & Industrial, US addressed loans - <$1MM 314 $9,354 $29,790
    Commercial & Industrial, US addressed loans - <$100k 287 $4,678 $16,300
    Commercial & Industrial, US addressed loans - $100-250k 15 $1,360 $90,667
    Commercial & Industrial, US addressed loans - $250k-1MM 12 $3,316 $276,333
    Farmland loans - <$1MM 374 $35,776 $95,658
    Farmland loans - <$100k 211 $7,559 $35,825
    Farmland loans - $100-250k 115 $14,986 $130,313
    Farmland loans - $250k-1MM 48 $13,231 $275,646
    Agriculture operations loans - <$1MM 327 $12,332 $37,713
    Agriculture operations loans - <$100k 278 $4,632 $16,662
    Agriculture operations loans - $100-250k 34 $3,819 $112,324
    Agriculture operations loans - $250k-1MM 15 $3,881 $258,733