The Bank & Trust Mortgage Rates, Fees & Info
Del Rio, TXLEI: 549300DNUPSQ3UW3EM09
Tax ID: 74-0588337
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Mortgage Data
Bank Data
Review & Overview
The Bank & Trust is a smaller bank specializing in Home Purchase loans. The Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: San Angelo, Del Rio, Abilene, Uvalde, and Lubbock among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)The Bank & 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
174Origination Dollar Volume (All Markets)
$37,570,000Employee 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 |
|---|---|---|---|---|---|
| SAN ANGELO, TX (FHA|USDA|VA) | 69 | $13,435,000 | $194,710 | $0 | 0.00% |
| Del Rio, TX (FHA|USDA|VA) | 62 | $12,520,000 | $201,935 | $0 | 0.00% |
| Outside of Metro Areas | 27 | $5,645,000 | $209,074 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $1,465,000 | $1,465,000 | $0 | 0.00% |
| Uvalde, TX (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $0 | 0.00% |
| Eagle Pass, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 0.00% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 174 | $37,570,000 | $215,920 | $0 | 0.00% |
For 2021, The Bank & Trust's most frequently originated type of loan was Conventional, with 174 originations.
Loan Reason
For 2021, The Bank & Trust's most frequently cited loan purpose was Home Purchase, with 127 originations. The 2nd most popular reason was Cash Out Refi, with 27 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 174 | $37,570,000 | $215,920 | $0 | 0.00% |
For 2021, The Bank & Trust's most frequently cited loan duration was Other, with 174 originations.
Loan Sizing
2021 saw The Bank & Trust place emphasis on $100k-200k loans with 53 originations, totaling $7,545,000 in origination value.
Applicant Income
The Bank & Trust lent most frequently to those with incomes in the $150k-250k range, with 34 originations. The second most popular income band? $100k-150k, with 33 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 174 | $37,570,000 | $215,920 | $0 | 0.00% |
The Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 174 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.14%
The Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination79.31%
The Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 174 | $37,570,000 | $215,920 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 24 | 16.9% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Closing on a mortgage | 13 | 9.2% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Improper use of your report | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Incorrect information on your report | 4 | 2.8% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Struggling to pay mortgage | 6 | 4.2% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Trouble during payment process | 37 | 26.1% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Struggling to pay mortgage | 2 | 1.4% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Trouble during payment process | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 15 | 10.6% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 6 | 4.2% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 1.4% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Trouble during payment process | 11 | 7.7% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 4.9% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Closing on a mortgage | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Struggling to pay mortgage | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Trouble during payment process | 6 | 4.2% |
| TD BANK US HOLDING COMPANY | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 1.4% |
| TD BANK US HOLDING COMPANY | VA mortgage | Trouble during payment process | 1 | 0.7% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The Bank and Trust, S.S.B. | 102 North St Brackettville, TX 78832 | Full Service B&M | $36,685 |
| The Bank and Trust, S.S.B. | 1200 Avenue F Del Rio, TX 78840 | Limited, Drive-thru | $0 |
| The Bank and Trust, S.S.B. | 1200 Avenue F Del Rio, TX 78840 | Full Service B&M | $297,580 |
| The Bank and Trust, S.S.B. | 1200 Veterans Blvd. Del Rio, TX 78840 | Limited, Administrative | $0 |
| The Bank and Trust, S.S.B. | 1460 Knickerbocker Road San Angelo, TX 76904 | Full Service B&M | $77,200 |
| The Bank and Trust, S.S.B. | 229 Highway 277 North Sonora, TX 76950 | Full Service B&M | $59,013 |
| The Bank and Trust, S.S.B. | 2399 Bedell Avenue Del Rio, TX 78840 | Full Service B&M | $22,839 |
For 2021, The Bank & Trust had 7 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $16,795 |
| Net interest income | $15,692 |
| Total noninterest income | $7,349 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,010 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $6,339 |
| Pre-tax net operating income | $7,210 |
| Securities gains (or losses, -) | $35 |
| Income before extraordinary items | $7,245 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $7,245 |
| Minority interest net income | $0 |
| Net income | $7,245 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $7,210 |
The Bank & Trust's gross interest income from loans was $16,795,000.
The Bank & Trust's net interest income from loans was $15,692,000.
The Bank & Trust's fee based income from loans was $1,010,000.
The Bank & Trust's net income from loans was $7,245,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,103 |
| Provision for credit losses | $43 |
| Total noninterest expense | $15,788 |
| Salaries and employee benefits | $9,548 |
| Premises and equipment expense | $2,046 |
| Additional noninterest expense | $4,194 |
| Applicable income taxes | $0 |
| Net charge-offs | $61 |
| Cash dividends | $3,694 |
The Bank & Trust's interest expense for loans was $1,103,000.
The Bank & Trust's payroll and benefits expense were $9,548,000.
The Bank & Trust's property, plant and equipment expenses $2,046,000.
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 | $523,776 |
| Deposits held in domestic offices | $523,776 |
| Deposits by Individuals, partnerships, and corporations | $461,013 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $62,541 |
| Deposits by Commercial banks and other depository institutions in U.S. | $222 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $234,514 |
| Demand deposits | $171,737 |
| Nontransaction accounts | $289,262 |
| Money market deposit accounts (MMDAs) | $163,417 |
| Other savings deposits (excluding MMDAs) | $51,254 |
| Total time deposits | $74,591 |
| Total time and savings deposits | $352,039 |
| Noninterest-bearing deposits | $208,656 |
| Interest-bearing deposits | $315,120 |
| Retail deposits | $490,783 |
| IRAs and Keogh plan accounts | $3,989 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $577,305 |
| Cash & Balances due from depository institutions | $112,522 |
| Interest-bearing balances | $102,148 |
| Total securities | $155,661 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $285,368 |
| Loan and leases loss allowance | $3,329 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $7,884 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $2,473 |
| All other assets | $13,397 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $577,305 |
| Total Liabilities | $530,673 |
| Total deposits | $523,776 |
| Interest-bearing deposits | $315,120 |
| Deposits held in domestic offices | $523,776 |
| % insured (estimated) | $71 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $5,000 |
| Subordinated debt | $0 |
| All other liabilities | $1,897 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $285,368 |
| Loan and leases loss allowance | $3,329 |
| Total loans and leases (domestic) | $288,697 |
| All real estate loans | $230,860 |
| Real estate loans in domestic offices | $230,860 |
| Construction and development loans | $11,573 |
| Residential 1-4 family construction | $1,605 |
| Other construction, all land development and other land | $9,968 |
| Loans secured by nonfarm nonresidential properties | $42,937 |
| Nonfarm nonresidential secured by owner-occupied properties | $25,194 |
| Commercial real estate & other non-farm, non-residential | $17,743 |
| Multifamily residential real estate | $6,430 |
| 1-4 family residential loans | $155,943 |
| Farmland loans | $13,977 |
| Loans held in foreign offices | $0 |
| Farm loans | $1,928 |
| Commercial and industrial loans | $24,212 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $11,224 |
| Credit card loans | $0 |
| Related Plans | $2,794 |
| Consumer Auto Loans | $3,148 |
| Other loans to individuals | $5,282 |
| All other loans & leases | $20,473 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $378 |
| 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 | $33 |
| Non 1-4 family restructured loans & leases | $33 |
| Total loans and leases (foreign) | $0 |
The Bank & Trust had $285,368,000 of loans outstanding in 2021. $230,860,000 of loans were in real estate loans. $11,573,000 of loans were in development loans. $6,430,000 of loans were in multifamily mortgage loans. $155,943,000 of loans were in 1-4 family mortgage loans. $1,928,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,148,000 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 | 149 | $25,189 | $169,054 |
| Nonfarm, nonresidential loans - <$100k | 38 | $1,885 | $49,605 |
| Nonfarm, nonresidential loans - $100-250k | 65 | $7,063 | $108,662 |
| Nonfarm, nonresidential loans - $250k-1MM | 46 | $16,241 | $353,065 |
| Commercial & Industrial, US addressed loans - <$1MM | 415 | $18,217 | $43,896 |
| Commercial & Industrial, US addressed loans - <$100k | 345 | $7,546 | $21,872 |
| Commercial & Industrial, US addressed loans - $100-250k | 46 | $4,858 | $105,609 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 24 | $5,813 | $242,208 |
| Farmland loans - <$1MM | 47 | $5,891 | $125,340 |
| Farmland loans - <$100k | 15 | $599 | $39,933 |
| Farmland loans - $100-250k | 22 | $3,208 | $145,818 |
| Farmland loans - $250k-1MM | 10 | $2,084 | $208,400 |
| Agriculture operations loans - <$1MM | 61 | $1,928 | $31,607 |
| Agriculture operations loans - <$100k | 56 | $1,074 | $19,179 |
| Agriculture operations loans - $100-250k | 3 | $158 | $52,667 |
| Agriculture operations loans - $250k-1MM | 2 | $696 | $348,000 |