First Bank Mortgage Rates, Fees & Info

Creve Coeur, MO

LEI: 549300DT7WZ1SOTNFJ62

Tax ID: 43-0231490

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Mortgage Data

Bank Data

Review & Overview

First Bank is a small bank specializing in Refi and Home Purchase loans. First 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: St. Louis, Los Angeles, Kansas City, San Francisco, and Omaha among others. We have data for 182 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Bank 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. First 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) 5.56% 3/28/24
30 Year Conventional Purchase 6.43% 3/28/24
30 Year Conventional Refi 6.35% 3/28/24
30 Year Cash-out Refi 6.57% 3/28/24
30 Year FHA Purchase 7.36% 3/28/24
30 Year FHA Refi 7.08% 3/28/24
30 Year VA Purchase 6.23% 3/28/24
30 Year USDA Purchase 6.61% 3/28/24
15 Year Conventional Purchase 6.17% 3/28/24
15 Year Conventional Refi 5.98% 3/28/24
15 Year Cash-out Refi 5.98% 3/28/24
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.

First Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from First 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

5,596

Origination Dollar Volume (All Markets)

$1,495,000,000

Employee count

926 Show all (16) 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
ST. LOUIS, MO-IL (FHA|USDA|VA) 1,582 $299,700,000 $189,444 $2,840 3.09%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 659 $246,655,000 $374,287 $4,742 3.14%
KANSAS CITY, MO-KS (FHA|USDA|VA) 736 $185,050,000 $251,427 $3,224 3.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 394 $175,190,000 $444,645 $4,798 3.19%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 656 $152,700,000 $232,774 $2,886 3.01%
LINCOLN, NE (FHA|USDA|VA) 256 $52,460,000 $204,922 $3,203 3.02%
VALLEJO, CA (FHA|USDA|VA) 128 $37,910,000 $296,172 $4,772 3.12%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 132 $34,420,000 $260,758 $5,103 3.14%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 129 $33,815,000 $262,132 $4,229 3.12%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 89 $30,115,000 $338,371 $4,098 3.08%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 68 $29,870,000 $439,265 $3,779 3.10%
Outside of Metro Areas 141 $23,175,000 $164,362 $3,089 3.10%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 67 $21,535,000 $321,418 $4,752 3.05%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 46 $14,920,000 $324,348 $4,424 3.04%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 37 $11,595,000 $313,378 $4,612 3.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 10 $7,880,000 $788,000 $3,457 3.25%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 17 $7,055,000 $415,000 $3,377 3.20%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 26 $6,640,000 $255,385 $2,840 3.14%
TULSA, OK (FHA|USDA|VA) 2 $5,700,000 $2,850,000 $2,941 2.81%
STOCKTON, CA (FHA|USDA|VA) 18 $4,730,000 $262,778 $5,475 2.86%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $3,935,000 $437,222 $3,756 3.11%
NAPA, CA (FHA|USDA|VA) 9 $3,775,000 $419,444 $3,682 2.97%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $3,475,000 $315,909 $4,163 2.92%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $3,320,000 $553,333 $5,245 2.90%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 11 $3,285,000 $298,636 $4,999 2.90%
Outside of Metro Areas 1 $3,155,000 $3,155,000 $15,917 2.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 12 $3,070,000 $255,833 $4,893 2.97%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 10 $2,800,000 $280,000 $4,999 2.78%
RENO, NV (FHA|USDA|VA) 5 $2,225,000 $445,000 $3,310 3.40%
SALINAS, CA (FHA|USDA|VA) 5 $2,165,000 $433,000 $4,477 2.85%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $2,120,000 $353,333 $4,000 3.00%
BAKERSFIELD, CA (FHA|USDA|VA) 9 $2,115,000 $235,000 $4,044 2.89%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 6 $2,090,000 $348,333 $3,666 3.02%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $1,995,000 $285,000 $3,483 3.18%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $1,885,000 $269,286 $3,611 2.96%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $1,885,000 $377,000 $3,775 3.43%
MODESTO, CA (FHA|USDA|VA) 6 $1,850,000 $308,333 $6,339 2.88%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 6 $1,850,000 $308,333 $4,351 3.23%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 7 $1,795,000 $256,429 $3,567 2.88%
CHICO, CA (FHA|USDA|VA) 4 $1,690,000 $422,500 $5,931 3.06%
LAWRENCE, KS (FHA|USDA|VA) 6 $1,670,000 $278,333 $4,290 2.90%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,670,000 $417,500 $4,949 3.19%
COLUMBIA, MO (FHA|USDA|VA) 7 $1,665,000 $237,857 $1,989 3.11%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $1,475,000 $491,667 $3,990 3.28%
Breckenridge, CO (FHA|USDA|VA) 2 $1,330,000 $665,000 $3,743 3.25%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,295,000 $431,667 $3,749 3.38%
Farmington, MO (FHA|USDA|VA) 9 $1,275,000 $141,667 $2,370 2.77%
TUCSON, AZ (FHA|USDA|VA) 3 $1,245,000 $415,000 $3,874 2.83%
Fremont, NE (FHA|USDA|VA) 8 $1,210,000 $151,250 $2,428 2.77%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $1,205,000 $401,667 $7,618 2.83%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,175,000 $235,000 $3,353 2.93%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,100,000 $275,000 $2,662 2.81%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,055,000 $351,667 $5,181 2.46%
ST. GEORGE, UT (FHA|USDA|VA) 3 $1,035,000 $345,000 $3,359 3.33%
TOPEKA, KS (FHA|USDA|VA) 4 $1,020,000 $255,000 $3,086 3.09%
YUBA CITY, CA (FHA|USDA|VA) 3 $1,015,000 $338,333 $5,921 3.00%
SPRINGFIELD, MO (FHA|USDA|VA) 5 $995,000 $199,000 $2,070 2.80%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $995,000 $331,667 $3,845 3.08%
FRESNO, CA (FHA|USDA|VA) 3 $925,000 $308,333 $4,160 3.08%
BOULDER, CO (FHA|USDA|VA) 2 $900,000 $450,000 $5,118 3.31%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 5 $895,000 $179,000 $2,361 3.40%
SALT LAKE CITY, UT (FHA|USDA|VA) 3 $875,000 $291,667 $3,091 3.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $870,000 $435,000 $8,543 3.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $800,000 $200,000 $2,460 2.97%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $800,000 $200,000 $2,151 3.22%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $780,000 $390,000 $2,466 3.54%
LOUISVILLE, KY (FHA|USDA|VA) 2 $740,000 $370,000 $2,790 3.19%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $690,000 $345,000 $3,190 2.18%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $665,000 $221,667 $2,767 3.33%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $640,000 $320,000 $3,593 3.00%
BOISE CITY, ID (FHA|USDA|VA) 2 $630,000 $315,000 $4,190 2.81%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $620,000 $310,000 $2,901 3.00%
Beatrice, NE (FHA|USDA|VA) 2 $580,000 $290,000 $3,322 3.06%
Sonora, CA (FHA|USDA|VA) 2 $570,000 $285,000 $3,929 2.75%
REDDING, CA (FHA|USDA|VA) 2 $570,000 $285,000 $6,676 2.69%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $570,000 $285,000 $2,637 2.88%
MADERA, CA (FHA|USDA|VA) 4 $530,000 $132,500 $0 4.75%
Seneca, SC (FHA|USDA|VA) 1 $505,000 $505,000 $4,121 2.63%
Hutchinson, KS (FHA|USDA|VA) 1 $495,000 $495,000 $4,240 2.75%
Columbus, NE (FHA|USDA|VA) 4 $480,000 $120,000 $2,422 2.56%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $470,000 $235,000 $4,605 3.00%
Branson, MO (FHA|USDA|VA) 3 $455,000 $151,667 $2,527 2.83%
Warrensburg, MO (FHA|USDA|VA) 2 $450,000 $225,000 $7,701 2.94%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $435,000 $435,000 $3,593 3.25%
Heber, UT (FHA|USDA|VA) 1 $435,000 $435,000 $3,675 2.88%
MONTGOMERY, AL (FHA|USDA|VA) 2 $430,000 $215,000 $3,949 2.63%
Vineyard Haven, MA (FHA|USDA|VA) 1 $425,000 $425,000 $4,149 2.75%
Sevierville, TN (FHA|USDA|VA) 1 $425,000 $425,000 $3,804 2.63%
GRAND ISLAND, NE (FHA|USDA|VA) 3 $425,000 $141,667 $2,352 2.88%
RACINE, WI (FHA|USDA|VA) 1 $415,000 $415,000 $2,660 2.75%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $410,000 $205,000 $1,816 2.75%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $405,000 $405,000 $5,131 3.25%
SAVANNAH, GA (FHA|USDA|VA) 1 $395,000 $395,000 $3,760 3.38%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $395,000 $395,000 $2,119 3.38%
AKRON, OH (FHA|USDA|VA) 1 $395,000 $395,000 $4,072 3.25%
Quincy, IL-MO (FHA|USDA|VA) 3 $385,000 $128,333 $2,837 3.00%
SPARTANBURG, SC (FHA|USDA|VA) 1 $385,000 $385,000 $3,487 3.13%
Taos, NM (FHA|USDA|VA) 1 $375,000 $375,000 $5,219 2.88%
CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $375,000 $125,000 $3,705 3.50%
EL PASO, TX (FHA|USDA|VA) 2 $370,000 $185,000 $3,986 4.19%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $365,000 $365,000 $3,638 2.88%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $365,000 $365,000 $2,287 2.88%
Alexander City, AL (FHA|USDA|VA) 1 $365,000 $365,000 $3,313 2.63%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $335,000 $335,000 $3,754 3.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $325,000 $325,000 $3,622 2.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $315,000 $315,000 $4,262 3.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $315,000 $315,000 $2,553 3.25%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $305,000 $305,000 $6,881 2.88%
FORT COLLINS, CO (FHA|USDA|VA) 1 $295,000 $295,000 $4,139 3.63%
Key West, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,720 3.38%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $295,000 $98,333 $2,819 3.08%
North Platte, NE (FHA|USDA|VA) 2 $290,000 $145,000 $3,369 2.81%
HINESVILLE, GA (FHA|USDA|VA) 1 $285,000 $285,000 $12,403 2.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $285,000 $285,000 $4,002 2.88%
Traverse City, MI (FHA|USDA|VA) 1 $285,000 $285,000 $3,555 2.50%
Show Low, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $2,245 3.00%
Red Bluff, CA (FHA|USDA|VA) 1 $285,000 $285,000 $9,048 3.25%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $280,000 $140,000 $3,505 3.56%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $275,000 $275,000 $5,036 3.13%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $275,000 $275,000 $2,852 2.50%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $275,000 $275,000 $9,387 2.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $275,000 $275,000 $2,609 2.88%
Maryville, MO (FHA|USDA|VA) 1 $275,000 $275,000 $2,086 3.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $270,000 $135,000 $2,712 3.38%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $270,000 $135,000 $2,660 2.88%
Wilson, NC (FHA|USDA|VA) 1 $265,000 $265,000 $7,355 2.75%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $265,000 $265,000 $2,961 3.00%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $255,000 $255,000 $3,057 3.25%
Lexington, NE (FHA|USDA|VA) 1 $255,000 $255,000 $2,638 3.88%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $250,000 $125,000 $2,207 2.69%
PEORIA, IL (FHA|USDA|VA) 3 $245,000 $81,667 $1,761 2.13%
Norfolk, NE (FHA|USDA|VA) 1 $235,000 $235,000 $935 2.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $235,000 $235,000 $3,525 2.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $235,000 $235,000 $6,771 2.38%
PANAMA CITY, FL (FHA|USDA|VA) 1 $235,000 $235,000 $8,240 2.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $235,000 $235,000 $2,547 2.63%
EL CENTRO, CA (FHA|USDA|VA) 1 $235,000 $235,000 $4,953 3.13%
Durant, OK (FHA|USDA|VA) 1 $225,000 $225,000 $3,429 3.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $5,549 3.00%
RAPID CITY, SD (FHA|USDA|VA) 1 $225,000 $225,000 $5,199 3.25%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $215,000 $215,000 $1,355 2.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,303 3.38%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,829 3.13%
KNOXVILLE, TN (FHA|USDA|VA) 1 $205,000 $205,000 $2,231 2.75%
Clearlake, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 1.73%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $195,000 $195,000 $5,186 3.38%
DUBUQUE, IA (FHA|USDA|VA) 1 $195,000 $195,000 $3,171 3.25%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $195,000 $195,000 $3,735 3.13%
Morehead City, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,779 2.63%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $195,000 $195,000 $2,258 2.50%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $185,000 $185,000 $3,276 3.00%
Coffeyville, KS (FHA|USDA|VA) 1 $185,000 $185,000 $3,653 3.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $185,000 $185,000 $3,474 3.38%
Dixon, IL (FHA|USDA|VA) 2 $180,000 $90,000 $2,528 3.50%
ROCHESTER, MN (FHA|USDA|VA) 1 $175,000 $175,000 $2,943 2.50%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $4,666 3.00%
Sterling, IL (FHA|USDA|VA) 1 $165,000 $165,000 $3,139 3.63%
Parsons, KS (FHA|USDA|VA) 1 $165,000 $165,000 $3,616 3.25%
Pahrump, NV (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.88%
Centralia, IL (FHA|USDA|VA) 2 $160,000 $80,000 $3,323 3.87%
Tupelo, MS (FHA|USDA|VA) 1 $155,000 $155,000 $3,906 2.50%
Owatonna, MN (FHA|USDA|VA) 1 $155,000 $155,000 $2,471 3.25%
Rolla, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,782 3.25%
Susanville, CA (FHA|USDA|VA) 1 $145,000 $145,000 $3,896 3.13%
Aberdeen, WA (FHA|USDA|VA) 1 $145,000 $145,000 $2,692 2.88%
LANCASTER, PA (FHA|USDA|VA) 1 $145,000 $145,000 $6,058 2.50%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $135,000 $135,000 $1,028 3.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,275 2.88%
Fernley, NV (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $120,000 $60,000 $0 4.25%
ROCKFORD, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,292 2.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $115,000 $115,000 $3,095 3.38%
WICHITA, KS (FHA|USDA|VA) 1 $115,000 $115,000 $1,956 3.13%
Scottsbluff, NE (FHA|USDA|VA) 1 $105,000 $105,000 $3,110 2.75%
JOPLIN, MO (FHA|USDA|VA) 1 $105,000 $105,000 $1,877 2.50%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $105,000 $105,000 $2,675 2.75%
Athens, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,312 2.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,105 3.25%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $75,000 $75,000 $2,346 3.13%
Mexico, MO (FHA|USDA|VA) 1 $65,000 $65,000 $1,721 3.00%
First Bank's top markets include St. Louis, Los Angeles, Kansas City, San Francisco, and Omaha among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,011 $1,162,905,000 $289,929 $3,173 3.09%
    HELOC 1,001 $184,075,000 $183,891 n/a 3.16%
    VA 321 $88,355,000 $275,249 $3,701 2.76%
    FHA 259 $59,045,000 $227,973 $7,177 2.95%
    USDA 4 $620,000 $155,000 $4,514 3.19%

    For 2020, First Bank's most frequently originated type of loan was Conventional, with 4,011 originations. Their 2nd most popular type was HELOC, with 1,001 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,463 $707,135,000 $287,103 $2,874 3.01%
    Home Purchase 1,512 $409,570,000 $270,880 $4,219 3.01%
    Cash Out Refi 904 $260,240,000 $287,876 $3,601 3.26%
    Other 572 $98,530,000 $172,255 $3,221 3.25%
    Home Improvement 145 $19,525,000 $134,655 $594 3.25%

    For 2020, First Bank's most frequently cited loan purpose was Refi, with 2,463 originations. The 2nd most popular reason was Home Purchase, with 1,512 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,526 $1,055,430,000 $299,328 $3,697 3.13%
    Other 1,044 $197,230,000 $188,918 $2,972 3.16%
    15 Year 572 $128,290,000 $224,283 $2,774 2.84%
    20 Year 327 $83,065,000 $254,021 $2,749 2.99%
    10 Year 114 $20,340,000 $178,421 $1,840 2.15%
    5 Year 13 $10,645,000 $818,846 $0 3.71%

    For 2020, First Bank's most frequently cited loan duration was 30 Year, with 3,526 originations. The 2nd most popular length was Other, with 1,044 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,998 $576,240,000 $288,408
    $<1k 1,799 $444,915,000 $247,312
    $2k-3k 247 $78,295,000 $316,984
    $3k-4k 115 $46,465,000 $404,043
    $5k+ 82 $45,780,000 $558,293
    $4k-5k 48 $28,950,000 $603,125

    First Bank's average total fees were $3,697, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,998 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,344 $628,260,000 $268,029
    3-4% 2,173 $632,585,000 $291,111
    <2.5% 652 $150,810,000 $231,304
    4-5% 414 $80,730,000 $195,000
    5-6% 13 $2,615,000 $201,154

    During 2020, First Bank's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,344 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,243 $634,315,000 $282,798 $3,481 3.03%
    $100k-200k 1,634 $247,520,000 $151,481 $2,837 3.12%
    $100,000 or less 750 $44,540,000 $59,387 $2,068 3.08%
    $400k-600k 730 $344,530,000 $471,959 $4,458 3.06%
    $600k-1MM 189 $140,995,000 $746,005 $5,865 3.28%
    $1MM+ 50 $83,100,000 $1,662,000 $8,315 3.31%

    2020 saw First Bank place emphasis on $200k-400k loans with 2,243 originations, totaling $634,315,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,354 $360,260,000 $266,071 $3,577 3.11%
    $150k-250k 961 $317,645,000 $330,536 $3,747 3.09%
    $50k-75k 948 $169,080,000 $178,354 $3,346 3.08%
    $75k-100k 901 $206,245,000 $228,907 $3,431 3.05%
    $250k+ 604 $290,510,000 $480,977 $4,257 3.15%
    $50k or less 564 $71,250,000 $126,330 $3,043 3.05%

    First Bank lent most frequently to those with incomes in the $100k-150k range, with 1,354 originations. The second most popular income band? $150k-250k, with 961 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,409 $353,715,000 $251,040 $3,127 3.06%
    30-36% 999 $257,335,000 $257,593 $3,365 3.10%
    <20% 683 $174,815,000 $255,952 $2,980 3.04%
    45% 271 $63,055,000 $232,675 $3,870 3.13%
    44% 198 $56,850,000 $287,121 $4,379 3.13%
    42% 186 $55,690,000 $299,409 $3,638 3.16%
    36% 178 $46,620,000 $261,910 $3,538 3.04%
    37% 177 $46,385,000 $262,062 $3,557 3.12%
    43% 176 $45,840,000 $260,455 $3,887 3.08%
    38% 175 $55,745,000 $318,543 $3,479 3.16%
    40% 173 $48,695,000 $281,474 $3,818 3.15%
    41% 173 $50,485,000 $291,821 $3,660 3.05%
    39% 154 $44,340,000 $287,922 $4,076 3.17%
    49% 109 $32,765,000 $300,596 $4,077 3.25%
    50-60% 94 $25,540,000 $271,702 $6,141 2.78%
    46% 92 $26,870,000 $292,065 $4,237 3.17%
    48% 92 $27,270,000 $296,413 $4,336 3.05%
    47% 81 $22,125,000 $273,148 $3,742 3.14%
    >60% 1 $325,000 $325,000 $8,906 3.25%

    First Bank lent most frequently to those with DTI ratios of 20-30%, with 1,409 originations. The next most common DTI ratio? 30-36%, with 999 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,351 $1,113,955,000 $256,023 $3,327 3.07%
    Asian 430 $158,710,000 $369,093 $4,016 3.15%
    Not provided 481 $124,045,000 $257,890 $3,822 3.14%
    Black 224 $48,250,000 $215,402 $4,339 3.01%
    Not applicable 15 $17,345,000 $1,156,333 $0 3.60%
    Native Hawaiian or Islander 20 $9,460,000 $473,000 $4,733 3.15%
    Asian Indian 20 $8,040,000 $402,000 $3,414 2.80%
    American Indian 30 $7,590,000 $253,000 $4,291 2.94%
    Chinese 10 $3,380,000 $338,000 $3,957 2.80%
    Other Asian 6 $1,440,000 $240,000 $3,891 3.23%
    Filipino 4 $1,210,000 $302,500 $4,258 2.80%
    Vietnamese 3 $1,035,000 $345,000 $4,691 3.04%
    Other Pacific Islander 2 $540,000 $270,000 $1,927 3.44%

    Approval Rates

    Total approvals of all applications
    86.85%

    First Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.67%

    First Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,596 $1,495,000,000 $267,155

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $14,355,000 $1,595,000
    Single Family (1-4 Units):Manufactured 11 $1,445,000 $131,364
    Single Family (1-4 Units):Site-Built 5,576 $1,479,200,000 $265,280

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 680 $176,180,000 $259,088 $3,295 3.08%
    40-60% 962 $294,670,000 $306,310 $3,081 3.01%
    60-80% 1,857 $548,585,000 $295,415 $3,219 3.16%
    80-100% 1,495 $400,115,000 $267,635 $3,916 3.06%
    Over 100% 31 $9,215,000 $297,258 $9,809 2.83%
    Under 20% 571 $66,235,000 $115,998 $1,705 3.01%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 3 20.0%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 13.3%
    FIRST HORIZON BANK Other type of mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Bank 1 First Missouri Center Saint Louis, MO 63141 Full Service B&M $92,185
    First Bank 1000 Taraval Street San Francisco, CA 94116 Full Service B&M $87,277
    First Bank 104 East Ontario Avenue Corona, CA 92879 Full Service B&M $45,055
    First Bank 10710 Veterans Memorial Parkway Lake Saint Louis, MO 63367 Full Service B&M $60,886
    First Bank 11 E Lockwood Webster Groves, MO 63119 Full Service B&M $29,440
    First Bank 11010 Limonite Avenue Jurupa Valley, CA 91752 Full Service B&M $33,136
    First Bank 11481 Olive Boulevard Creve Coeur, MO 63141 Full Service B&M $14,011
    First Bank 116 Springstowne Center Vallejo, CA 94591 Full Service B&M $106,635
    First Bank 117-121 South State Street Jerseyville, IL 62052 Full Service B&M $75,101
    First Bank 11728 Bluff Road Marthasville, MO 63357 Full Service B&M $43,641
    First Bank 1190 Meramec Station Ballwin, MO 63021 Full Service B&M $54,718
    First Bank 11901 Olive Boulevard Creve Coeur, MO 63141 Full Service B&M $566,394
    First Bank 120 Jefferson Street St. Charles, MO 63301 Full Service B&M $29,181
    First Bank 120 South First Street Owensville, MO 65066 Full Service B&M $45,060
    First Bank 1211 East Valley Boulevard Alhambra, CA 91801 Full Service B&M $40,523
    First Bank 1281 Graham Road Florissant, MO 63031 Full Service B&M $21,266
    First Bank 12855 Tesson Ferry Road Saint Louis, MO 63128 Full Service B&M $46,945
    First Bank 13830-A San Pablo Avenue San Pablo, CA 94806 Full Service B&M $42,951
    First Bank 14001 Manchester Road Manchester, MO 63011 Full Service B&M $69,540
    First Bank 1405 North Illlinois Rt 3 Waterloo, IL 62298 Full Service B&M $21,477
    First Bank 1411 South Main Street Red Bud, IL 62278 Full Service B&M $59,090
    First Bank 14376 Culver Drive Irvine, CA 92604 Full Service B&M $73,487
    First Bank 15300 Veterans Memorial Parkway Wentzville, MO 63385 Full Service B&M $57,659
    First Bank 15965 Manchester Road Ellisville, MO 63011 Full Service B&M $58,031
    First Bank 1625 Douglas Boulevard Roseville, CA 95661 Full Service B&M $106,905
    First Bank 1644 West Redondo Beach Blvd Gardena, CA 90247 Full Service B&M $57,592
    First Bank 16900 Goldenwest Street Huntington Beach, CA 92647 Full Service B&M $85,438
    First Bank 1700 N Broadway, Suite 100 Walnut Creek, CA 94596 Full Service B&M $130,961
    First Bank 1730 Clarkson Road Chesterfield, MO 63017 Full Service B&M $44,820
    First Bank 17801 Ventura Boulevard, First Floor Encino, CA 91316 Full Service B&M $72,483
    First Bank 1816 Highway A Washington, MO 63090 Full Service B&M $32,611
    First Bank 18431 Yorba Linda Blvd, Suite 2 Yorba Linda, CA 92886 Full Service B&M $105,894
    First Bank 18906 East Gale Avenue Rowland Heights, CA 91748 Full Service B&M $26,433
    First Bank 1992 Old Mission Drive, Suite 150 Solvang, CA 93463 Full Service B&M $52,617
    First Bank 2021 Zumbehl Road Saint Charles, MO 63303 Full Service B&M $21,569
    First Bank 2027 A South Broadway Santa Maria, CA 93454 Full Service B&M $30,773
    First Bank 208 East First Street Hermann, MO 65041 Full Service B&M $65,689
    First Bank 21705 Hawthorne Blvd Torrance, CA 90503 Full Service B&M $37,377
    First Bank 21757 Erwin Street Woodland Hills, CA 91367 Full Service B&M $142,457
    First Bank 218 North Main Street Columbia, IL 62236 Full Service B&M $42,361
    First Bank 221 Salt Lick Road Saint Peters, MO 63376 Full Service B&M $23,892
    First Bank 222 North Highway 67 Florissant, MO 63031 Full Service B&M $15,875
    First Bank 2231 State Street Chester, IL 62233 Full Service B&M $43,082
    First Bank 2314 Proctor Valley Road Chula Vista, CA 91914 Full Service B&M $88,708
    First Bank 24 E 4th Avenue San Mateo, CA 94401 Full Service B&M $56,206
    First Bank 2462 Taylor Road Wildwood, MO 63040 Full Service B&M $8,921
    First Bank 2494 Roll Drive San Diego, CA 92154 Full Service B&M $86,614
    First Bank 2516 Lemay Ferry Road Mehlville, MO 63125 Full Service B&M $28,119
    First Bank 26562 Moulton Pkwy, Suite 62b Laguna Hills, CA 92653 Full Service B&M $36,886
    First Bank 2797 Agoura Road Westlake Village, CA 91361 Full Service B&M $88,467
    First Bank 2979 Highway K O Fallon, MO 63368 Full Service B&M $25,914
    First Bank 3001 Harbor Boulevard, Suite C Costa Mesa, CA 92626 Full Service B&M $54,856
    First Bank 301 S. Kirkwood Rd Kirkwood, MO 63122 Full Service B&M $30,484
    First Bank 3101 Zinfandel Drive Suite 100 Rancho Cordova, CA 95670 Full Service B&M $67,103
    First Bank 318 Fourth Avenue Chula Vista, CA 91910 Full Service B&M $49,805
    First Bank 3304 State Street Santa Barbara, CA 93105 Full Service B&M $77,862
    First Bank 340 South Main Street Gerald, MO 63037 Full Service B&M $46,229
    First Bank 350 Riverpark Drive East Saint Louis, IL 62201 Full Service B&M $12,789
    First Bank 3600 Nameoki Road Granite City, IL 62040 Full Service B&M $58,836
    First Bank 3822 Cross Creek Road, Ste 3850 Malibu, CA 90265 Full Service B&M $94,605
    First Bank 383 Lamp And Lantern Village Chesterfield, MO 63017 Full Service B&M $42,138
    First Bank 3850 Jeffco Boulevard Arnold, MO 63010 Full Service B&M $37,108
    First Bank 401 Vernon Street Roseville, CA 95678 Full Service B&M $39,201
    First Bank 4040 Atlantic Avenue Long Beach, CA 90807 Full Service B&M $66,713
    First Bank 4040 Green Mount Crossing Drive Shiloh, IL 62269 Full Service B&M $13,086
    First Bank 4090 North Highway 67 Florissant, MO 63034 Full Service B&M $30,825
    First Bank 4206 Lincoln Boulevard Marina Del Rey, CA 90292 Full Service B&M $76,878
    First Bank 4301 Macarthur Boulevard Newport Beach, CA 92660 Full Service B&M $430,370
    First Bank 4387 North Illinois Street Swansea, IL 62226 Full Service B&M $56,025
    First Bank 460 Montgomery Street San Francisco, CA 94104 Full Service B&M $77,785
    First Bank 501 Main Street Suite H Huntington Beach, CA 92648 Full Service B&M $51,130
    First Bank 5195 Lakewood Blvd Lakewood, CA 90712 Full Service B&M $39,755
    First Bank 550 North Second Street Breese, IL 62230 Full Service B&M $66,369
    First Bank 556 N. 7th Street, Unit 101 Saint Louis, MO 63101 Full Service B&M $9,223
    First Bank 5808 East Telephone Road Ventura, CA 93003 Full Service B&M $52,113
    First Bank 600 James S. Mcdonnell Blvd. Hazelwood, MO 63042 Full Service Cyber Office $243,913
    First Bank 607 North Highway 47 Warrenton, MO 63383 Full Service B&M $37,748
    First Bank 6200 East Pacific Coast Highway Long Beach, CA 90803 Full Service B&M $103,650
    First Bank 6211 Mid-Rivers Mall Drive Saint Charles, MO 63304 Full Service B&M $25,780
    First Bank 710 Park Wood Drive Sainte Genevieve, MO 63670 Full Service B&M $98,196
    First Bank 725 North Broadway Los Angeles, CA 90012 Full Service B&M $46,270
    First Bank 7256 Gravois Avenue Saint Louis, MO 63116 Full Service B&M $10,761
    First Bank 7495 Watson Road Saint Louis, MO 63119 Full Service B&M $38,419
    First Bank 7710 Limonite Avenue Jurupa Valley, CA 92509 Full Service B&M $52,845
    First Bank 7833 Highway N Dardenne Prairie, MO 63368 Full Service B&M $23,646
    First Bank 790 East Campbell Avenue Campbell, CA 95008 Full Service B&M $51,050
    First Bank 804 W Us Highway 50 O Fallon, IL 62269 Full Service B&M $175,520
    First Bank 8201 Maryland Avenue Clayton, MO 63105 Full Service B&M $61,844
    First Bank 8251 Westminster Avenue Westminster, CA 92683 Full Service B&M $40,277
    First Bank 8450 Eager Road Saint Louis, MO 63144 Full Service B&M $8,788
    First Bank 848 Duarte Road Arcadia, CA 91007 Full Service B&M $51,475
    First Bank 8820 Wilshire Blvd, Ste 100 Beverly Hills, CA 90211 Full Service B&M $172,753
    First Bank 8917 Riverview Drive Saint Louis, MO 63137 Full Service B&M $7,270
    First Bank 9901 Manchester Saint Louis, MO 63122 Full Service B&M $12,284

    For 2020, First Bank had 94 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $202,452
    Net interest income $182,756
    Total noninterest income $152,738
    Gross Fiduciary activities income $5,419
    Service charges on deposit accounts $16,215
    Trading account gains and fees $619
    Additional Noninterest Income $130,485
    Pre-tax net operating income $152,779
    Securities gains (or losses, -) $-1,355
    Income before extraordinary items $110,518
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $110,518
    Minority interest net income $0
    Net income $110,518
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $111,588

    First Bank's gross interest income from loans was $202,452,000.
    First Bank's net interest income from loans was $182,756,000.
    First Bank's fee based income from loans was $16,215,000.
    First Bank's net income from loans was $110,518,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $19,696
    Provision for credit losses $13,600
    Total noninterest expense $169,115
    Salaries and employee benefits $106,675
    Premises and equipment expense $23,916
    Additional noninterest expense $38,524
    Applicable income taxes $40,906
    Net charge-offs $-938
    Cash dividends $105,000

    First Bank's interest expense for loans was $19,696,000.
    First Bank's payroll and benefits expense were $106,675,000.
    First Bank's property, plant and equipment expenses $23,916,000.

    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 1.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    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 $5,833,808
    Deposits held in domestic offices $5,833,808
    Deposits by Individuals, partnerships, and corporations $5,270,628
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $547,629
    Deposits by Commercial banks and other depository institutions in U.S. $15,549
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $688,056
    Demand deposits $688,056
    Nontransaction accounts $5,145,752
    Money market deposit accounts (MMDAs) $4,272,799
    Other savings deposits (excluding MMDAs) $271,716
    Total time deposits $601,237
    Total time and savings deposits $5,145,752
    Noninterest-bearing deposits $1,897,756
    Interest-bearing deposits $3,936,052
    Retail deposits $5,538,493
    IRAs and Keogh plan accounts $52,275
    Brokered deposits $145,067
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,580,061
    Cash & Balances due from depository institutions $425,762
    Interest-bearing balances $358,121
    Total securities $2,015,029
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,892,016
    Loan and leases loss allowance $51,899
    Trading account assets $6,218
    Bank premises and fixed assets $58,062
    Other real estate owned $516
    Goodwill and other intangibles $16,117
    All other assets $166,341

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,580,061
    Total Liabilities $5,897,916
    Total deposits $5,833,808
    Interest-bearing deposits $3,936,052
    Deposits held in domestic offices $5,833,808
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $64,108

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,892,016
    Loan and leases loss allowance $51,899
    Total loans and leases (domestic) $3,943,915
    All real estate loans $2,892,192
    Real estate loans in domestic offices $2,892,192
    Construction and development loans $112,908
    Residential 1-4 family construction $17,577
    Other construction, all land development and other land $95,331
    Loans secured by nonfarm nonresidential properties $1,624,045
    Nonfarm nonresidential secured by owner-occupied properties $689,036
    Commercial real estate & other non-farm, non-residential $935,009
    Multifamily residential real estate $161,447
    1-4 family residential loans $987,335
    Farmland loans $6,457
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $1,038,068
    To non-U.S. addressees $14,782
    Loans to individuals $16,864
    Credit card loans $0
    Related Plans $13,466
    Consumer Auto Loans $2,195
    Other loans to individuals $1,203
    All other loans & leases $5,689
    Loans to foreign governments and official institutions $0
    Other loans $5,387
    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 $5,447
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    First Bank had $3,892,016,000 of loans outstanding in 2020. $2,892,192,000 of loans were in real estate loans. $112,908,000 of loans were in development loans. $161,447,000 of loans were in multifamily mortgage loans. $987,335,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $2,195,000 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 474 $162,406 $342,629
    Nonfarm, nonresidential loans - <$100k 49 $1,668 $34,041
    Nonfarm, nonresidential loans - $100-250k 91 $10,416 $114,462
    Nonfarm, nonresidential loans - $250k-1MM 334 $150,322 $450,066
    Commercial & Industrial, US addressed loans - <$1MM 4,078 $272,988 $66,942
    Commercial & Industrial, US addressed loans - <$100k 3,108 $75,961 $24,440
    Commercial & Industrial, US addressed loans - $100-250k 521 $61,564 $118,165
    Commercial & Industrial, US addressed loans - $250k-1MM 449 $135,463 $301,699
    Farmland loans - <$1MM 5 $452 $90,400
    Farmland loans - <$100k 2 $35 $17,500
    Farmland loans - $100-250k 3 $417 $139,000