First State Community Bank Mortgage Rates, Fees & Info

Farmington, MO

LEI: 549300F04B6FGYBJY412

Tax ID: 43-0688689

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

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

    First State Community Bank is a smaller bank specializing in Home Purchase and Refi loans. First State Community Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Farmington, Cape Girardeau, Lebanon, and Columbia among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First State Community 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 State Community 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) 6.27% 11/17/24
    30 Year Conventional Purchase 6.82% 11/17/24
    30 Year Conventional Refi 6.99% 11/17/24
    30 Year Cash-out Refi 6.89% 11/17/24
    30 Year FHA Purchase 6.27% 11/17/24
    30 Year FHA Refi 6.27% 11/17/24
    30 Year VA Purchase 6.27% 11/17/24
    30 Year USDA Purchase 6.71% 11/17/24
    15 Year Conventional Purchase 6.92% 11/17/24
    15 Year Conventional Refi 6.86% 11/17/24
    15 Year Cash-out Refi 6.86% 11/17/24
    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 State Community Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from First State Community 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

    2,069

    Origination Dollar Volume (All Markets)

    $243,125,000

    Employee count

    649 Show all (18) 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) 436 $69,360,000 $159,083 $2,231 5.10%
    Farmington, MO (FHA|USDA|VA) 424 $45,630,000 $107,618 $1,819 5.11%
    Outside of Metro Areas 482 $44,650,000 $92,635 $1,748 5.21%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 172 $19,660,000 $114,302 $2,188 5.03%
    Lebanon, MO (FHA|USDA|VA) 165 $17,875,000 $108,333 $1,741 5.20%
    COLUMBIA, MO (FHA|USDA|VA) 82 $16,850,000 $205,488 $1,866 5.13%
    Sikeston, MO (FHA|USDA|VA) 62 $5,910,000 $95,323 $2,314 5.15%
    Rolla, MO (FHA|USDA|VA) 41 $5,595,000 $136,463 $1,499 5.43%
    Mexico, MO (FHA|USDA|VA) 66 $5,160,000 $78,182 $2,007 5.21%
    Moberly, MO (FHA|USDA|VA) 39 $3,575,000 $91,667 $1,551 5.45%
    Kennett, MO (FHA|USDA|VA) 42 $2,830,000 $67,381 $1,684 5.40%
    SPRINGFIELD, MO (FHA|USDA|VA) 29 $2,365,000 $81,552 $1,792 5.52%
    JEFFERSON CITY, MO (FHA|USDA|VA) 7 $1,575,000 $225,000 $2,062 5.29%
    Marshall, MO (FHA|USDA|VA) 7 $505,000 $72,143 $2,575 5.05%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $370,000 $185,000 $1,608 4.45%
    Poplar Bluff, MO (FHA|USDA|VA) 3 $325,000 $108,333 $1,954 5.04%
    Sedalia, MO (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.75%
    Hannibal, MO (FHA|USDA|VA) 2 $220,000 $110,000 $1,382 4.86%
    Fort Leonard Wood, MO (FHA|USDA|VA) 4 $170,000 $42,500 $1,618 6.78%
    Kirksville, MO (FHA|USDA|VA) 2 $110,000 $55,000 $0 5.71%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.10%
    First State Community Bank's top markets include St. Louis, Farmington, Cape Girardeau, Lebanon, and Columbia among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against First State Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Missouri State Bank of Cape County
    Similarity Rank: 55
    Community Bank of Trenton
    Similarity Rank: 108
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 110
    First National Bank of Waterloo
    Similarity Rank: 200
    Hawthorn Bank
    Similarity Rank: 210
    ONLINE CENTRAL INC
    Similarity Rank: 216
    MISSOURI Credit Union
    Similarity Rank: 228
    RELIANCE BANK
    Similarity Rank: 238
    Exchange Bank of Missouri
    Similarity Rank: 240
    CapGrow Home Mortgage, LLC
    Similarity Rank: 272

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,476 $203,170,000 $137,649 $1,780 5.17%
    HELOC 508 $30,480,000 $60,000 n/a 5.29%
    USDA 85 $9,475,000 $111,471 $3,410 4.28%

    For 2018, First State Community Bank's most frequently originated type of loan was Conventional, with 1,476 originations. Their 2nd most popular type was HELOC, with 508 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,038 $139,160,000 $134,066 $2,107 5.09%
    Refi 449 $66,585,000 $148,296 $1,499 5.16%
    Home Improvement 245 $10,065,000 $41,082 $976 5.53%
    Other 230 $12,100,000 $52,609 $1,127 5.36%
    Cash Out Refi 107 $15,215,000 $142,196 $2,335 4.62%

    For 2018, First State Community Bank's most frequently cited loan purpose was Home Purchase, with 1,038 originations. The 2nd most popular reason was Refi, with 449 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 660 $105,790,000 $160,288 $2,176 4.74%
    10 Year 550 $28,450,000 $51,727 $1,149 5.37%
    20 Year 326 $40,120,000 $123,067 $1,632 5.32%
    15 Year 261 $24,265,000 $92,969 $1,709 5.19%
    Other 157 $26,195,000 $166,847 $1,076 5.62%
    1 Year 85 $9,315,000 $109,588 $1,347 5.41%
    5 Year 21 $8,295,000 $395,000 $787 5.77%
    3 Year 9 $695,000 $77,222 $606 5.62%

    For 2018, First State Community Bank's most frequently cited loan duration was 30 Year, with 660 originations. The 2nd most popular length was 10 Year, with 550 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 995 $132,405,000 $133,070
    $1k-2k 40 $6,360,000 $159,000
    $2k-3k 4 $910,000 $227,500
    $3k-4k 4 $990,000 $247,500
    $4k-5k 1 $285,000 $285,000
    $5k+ 1 $225,000 $225,000

    First State Community Bank's average total fees were $2,176, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 995 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,062 $152,670,000 $143,757
    5-6% 651 $60,805,000 $93,402
    6-7% 187 $11,325,000 $60,561
    3-4% 89 $14,445,000 $162,303
    7-8% 48 $2,790,000 $58,125
    Over 8% 30 $900,000 $30,000
    2.5-3% 1 $125,000 $125,000
    <2.5% 1 $65,000 $65,000

    During 2018, First State Community Bank's average interest rate for loans was 4.74%, while their most frequently originated rate bucket for loans was 4-5%, with 1,062 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,227 $60,185,000 $49,051 $1,569 5.40%
    $100k-200k 552 $77,270,000 $139,982 $2,158 4.87%
    $200k-400k 242 $63,120,000 $260,826 $2,224 4.69%
    $400k-600k 32 $14,810,000 $462,813 $2,007 4.78%
    $600k-1MM 9 $6,765,000 $751,667 $2,254 5.07%
    $1MM+ 7 $20,975,000 $2,996,429 $5,515 4.82%

    2018 saw First State Community Bank place emphasis on $100,000 or less loans with 1,227 originations, totaling $60,185,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 548 $37,300,000 $68,066 $1,903 5.27%
    $50k-75k 454 $42,780,000 $94,229 $1,981 5.18%
    $75k-100k 300 $32,220,000 $107,400 $1,917 5.07%
    $100k-150k 254 $32,580,000 $128,268 $1,924 5.04%
    $150k-250k 102 $16,270,000 $159,510 $1,818 4.97%
    $250k+ 46 $9,860,000 $214,348 $1,873 5.09%

    First State Community Bank lent most frequently to those with incomes in the $50k or less range, with 548 originations. The second most popular income band? $50k-75k, with 454 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 433 $40,895,000 $94,446 $1,900 5.02%
    30-36% 318 $35,760,000 $112,453 $1,980 5.02%
    <20% 222 $17,980,000 $80,991 $1,798 5.02%
    36% 61 $6,195,000 $101,557 $2,030 5.18%
    42% 45 $6,125,000 $136,111 $2,030 5.03%
    38% 43 $4,585,000 $106,628 $1,960 4.99%
    39% 43 $4,575,000 $106,395 $1,945 5.36%
    41% 38 $4,510,000 $118,684 $2,036 4.86%
    37% 35 $3,575,000 $102,143 $1,771 5.13%
    40% 33 $4,165,000 $126,212 $1,999 5.27%
    45% 25 $3,425,000 $137,000 $2,028 5.27%
    50-60% 23 $2,255,000 $98,043 $1,115 5.27%
    46% 22 $3,160,000 $143,636 $2,255 4.86%
    43% 21 $2,205,000 $105,000 $2,224 4.77%
    49% 20 $3,300,000 $165,000 $2,285 4.86%
    44% 19 $2,435,000 $128,158 $2,279 4.81%
    47% 18 $2,410,000 $133,889 $2,013 4.97%
    48% 16 $2,810,000 $175,625 $2,196 4.82%
    >60% 11 $915,000 $83,182 $1,234 5.63%

    First State Community Bank lent most frequently to those with DTI ratios of 20-30%, with 433 originations. The next most common DTI ratio? 30-36%, with 318 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,766 $182,270,000 $103,211 $1,914 5.13%
    Not applicable 256 $55,770,000 $217,852 $1,800 5.37%
    Not provided 20 $2,490,000 $124,500 $2,006 5.18%
    Black 14 $980,000 $70,000 $1,460 6.09%
    Asian 6 $830,000 $138,333 $2,649 4.89%
    American Indian 7 $785,000 $112,143 $1,805 4.76%

    Approval Rates

    Total approvals of all applications
    87.22%

    First State Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.28%

    First State Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    118.0 6 $110,000 $18,333
    NA 2,063 $243,015,000 $117,797

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 7 $3,005,000 $429,286
    Multifamily:Site-Built 53 $31,565,000 $595,566
    Single Family (1-4 Units):Manufactured 114 $5,620,000 $49,298
    Single Family (1-4 Units):Site-Built 1,895 $202,935,000 $107,090

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 272 $17,930,000 $65,919 $1,461 5.23%
    40-60% 281 $30,815,000 $109,662 $1,669 5.19%
    60-80% 704 $111,930,000 $158,991 $1,862 5.17%
    80-100% 494 $70,370,000 $142,449 $2,246 4.93%
    Over 100% 6 $500,000 $83,333 $3,008 6.39%
    Under 20% 310 $11,470,000 $37,000 $841 5.39%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Trouble during payment process 1 33.3%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Closing on a mortgage 1 33.3%
    FIRST COMMUNITY MORTGAGE, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First State Community Bank #1 Black Knight Drive Farmington, MO 63640 Full Service B&M $0
    First State Community Bank 100 Hwy P, Suite A Potosi, MO 63664 Full Service B&M $43,001
    First State Community Bank 100 South 4th Street Moberly, MO 65270 Full Service B&M $34,333
    First State Community Bank 101 West Commercial Street Lebanon, MO 65536 Full Service B&M $204,070
    First State Community Bank 1015 Highway 84 East Street Hayti, MO 63851 Full Service B&M $10,982
    First State Community Bank 1022 North Highway 47 Warrenton, MO 63383 Full Service B&M $34,593
    First State Community Bank 1035 S. Cherokee Dr. Marshall, MO 65340 Full Service B&M $26,790
    First State Community Bank 107 W Camden Ave Richland, MO 65556 Limited, Drive-thru $0
    First State Community Bank 1135 North Desloge Drive Desloge, MO 63601 Full Service B&M $21,000
    First State Community Bank 114 Independence Avenue Kennett, MO 63857 Full Service B&M $24,777
    First State Community Bank 1214 North Douglas Malden, MO 63863 Full Service B&M $37,968
    First State Community Bank 1401 St. Joe Drive Park Hills, MO 63601 Full Service B&M $73,150
    First State Community Bank 1419 South Jefferson Lebanon, MO 65536 Full Service B&M $0
    First State Community Bank 15 South Fifth Street Columbia, MO 65201 Full Service B&M $0
    First State Community Bank 1602 North Kingshighway Cape Girardeau, MO 63701 Full Service B&M $0
    First State Community Bank 1612 Maffry Street Macon, MO 63552 Full Service B&M $28,405
    First State Community Bank 1800 South Jefferson Lebanon, MO 65536 Full Service Retail $0
    First State Community Bank 1801 Bedford Center Drive Washington, MO 63090 Full Service B&M $78,713
    First State Community Bank 1801 Old Boyd Street De Soto, MO 63020 Full Service B&M $0
    First State Community Bank 20 East School Street Bonne Terre, MO 63628 Full Service B&M $67,219
    First State Community Bank 20 Wildcat Drive Wright City, MO 63390 Full Service B&M $24,225
    First State Community Bank 200 East Main Street Portageville, MO 63873 Full Service B&M $20,982
    First State Community Bank 201 East Columbia Street Farmington, MO 63640 Full Service B&M $328,197
    First State Community Bank 201 North Main Sikeston, MO 63801 Full Service B&M $41,229
    First State Community Bank 210 West 8th Street Rolla, MO 65401 Full Service B&M $55,741
    First State Community Bank 222 South Jefferson Street Mexico, MO 65265 Full Service B&M $14,029
    First State Community Bank 231 South Main Street Ironton, MO 63650 Full Service B&M $62,698
    First State Community Bank 2527 William Street Cape Girardeau, MO 63701 Full Service B&M $120,093
    First State Community Bank 3 East Springfield Sullivan, MO 63080 Full Service B&M $71,014
    First State Community Bank 300 Diego Drive Columbia, MO 65203 Full Service B&M $72,906
    First State Community Bank 301 West Washington Richland, MO 65556 Full Service B&M $14,349
    First State Community Bank 302 West St Louis Street Pacific, MO 63069 Full Service B&M $1,654
    First State Community Bank 308 W. Lincoln Owensville, MO 65066 Full Service Cyber Office $24,195
    First State Community Bank 320 West Main Street Jackson, MO 63755 Full Service B&M $89,282
    First State Community Bank 3200 Golden Bear Drive Columbia, MO 65202 Full Service B&M $0
    First State Community Bank 365 West Main Street Park Hills, MO 63601 Full Service B&M $0
    First State Community Bank 406 North Perryville Boulevard Perryville, MO 63775 Full Service B&M $72,557
    First State Community Bank 412 Main Street Boonville, MO 65233 Full Service B&M $23,763
    First State Community Bank 420 North Morley Street Moberly, MO 65270 Full Service B&M $0
    First State Community Bank 4551 Highway 21 Imperial, MO 63052 Full Service B&M $17,062
    First State Community Bank 4767 State Road B Hillsboro, MO 63050 Full Service B&M $42,547
    First State Community Bank 602 West Jefferson Avenue Conway, MO 65632 Full Service B&M $19,404
    First State Community Bank 6021 W Outer Road Imperial, MO 63052 Full Service B&M $44,297
    First State Community Bank 702 North Washington Street Farmington, MO 63640 Limited, Drive-thru $0
    First State Community Bank 713 West Main Street Fredericktown, MO 63645 Full Service B&M $45,176
    First State Community Bank 74 Rue Terre Bonne Bonne Terre, MO 63628 Full Service B&M $12,583
    First State Community Bank 900 Elmont Road Sullivan, MO 63080 Full Service B&M $0
    First State Community Bank 950 Lynn Street Lebanon, MO 65536 Full Service B&M $0
    First State Community Bank 998 Mulberry Street Saint Mary, MO 63673 Full Service B&M $0
    First State Community Bank Highway A And Collins Road Festus, MO 63028 Full Service B&M $31,638
    First State Community Bank Knob And Russell Streets Ironton, MO 63650 Limited, Drive-thru $0
    First State Community Bank Maple Valley Drive And Market Street Farmington, MO 63640 Full Service B&M $0
    First State Community Bank Plaza Square De Soto, MO 63020 Full Service B&M $88,580

    For 2018, First State Community Bank had 53 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $98,127
    Net interest income $82,345
    Total noninterest income $34,167
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $9,745
    Trading account gains and fees $0
    Additional Noninterest Income $24,422
    Pre-tax net operating income $41,962
    Securities gains (or losses, -) $132
    Income before extraordinary items $35,721
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $35,721
    Minority interest net income $5
    Net income $35,716
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $35,608

    First State Community Bank's gross interest income from loans was $98,127,000.
    First State Community Bank's net interest income from loans was $82,345,000.
    First State Community Bank's fee based income from loans was $9,745,000.
    First State Community Bank's net income from loans was $35,716,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $15,782
    Provision for credit losses $3,172
    Total noninterest expense $71,378
    Salaries and employee benefits $39,865
    Premises and equipment expense $9,506
    Additional noninterest expense $22,007
    Applicable income taxes $6,373
    Net charge-offs $1,727
    Cash dividends $15,074

    First State Community Bank's interest expense for loans was $15,782,000.
    First State Community Bank's payroll and benefits expense were $39,865,000.
    First State Community Bank's property, plant and equipment expenses $9,506,000.

    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 $2,089,792
    Deposits held in domestic offices $2,089,792
    Deposits by Individuals, partnerships, and corporations $1,673,689
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $415,931
    Deposits by Commercial banks and other depository institutions in U.S. $172
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $191,144
    Demand deposits $110,232
    Nontransaction accounts $1,898,648
    Money market deposit accounts (MMDAs) $361,947
    Other savings deposits (excluding MMDAs) $965,028
    Total time deposits $571,673
    Total time and savings deposits $1,979,560
    Noninterest-bearing deposits $389,341
    Interest-bearing deposits $1,700,451
    Retail deposits $1,865,480
    IRAs and Keogh plan accounts $71,982
    Brokered deposits $79,312
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,465,224
    Cash & Balances due from depository institutions $67,641
    Interest-bearing balances $29,855
    Total securities $256,019
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,904,284
    Loan and leases loss allowance $18,827
    Trading account assets $0
    Bank premises and fixed assets $69,871
    Other real estate owned $1,592
    Goodwill and other intangibles $47,403
    All other assets $118,414

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,465,224
    Total Liabilities $2,179,238
    Total deposits $2,089,792
    Interest-bearing deposits $1,700,451
    Deposits held in domestic offices $2,089,792
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $12,818
    Trading liabilities $0
    Other borrowed funds $66,100
    Subordinated debt $0
    All other liabilities $10,528

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,904,284
    Loan and leases loss allowance $18,827
    Total loans and leases (domestic) $1,923,111
    All real estate loans $1,639,307
    Real estate loans in domestic offices $1,639,307
    Construction and development loans $198,645
    Residential 1-4 family construction $68,358
    Other construction, all land development and other land $130,287
    Loans secured by nonfarm nonresidential properties $606,096
    Nonfarm nonresidential secured by owner-occupied properties $249,016
    Commercial real estate & other non-farm, non-residential $357,080
    Multifamily residential real estate $77,452
    1-4 family residential loans $613,112
    Farmland loans $144,002
    Loans held in foreign offices $0
    Farm loans $22,798
    Commercial and industrial loans $139,560
    To non-U.S. addressees $0
    Loans to individuals $51,455
    Credit card loans $2,992
    Related Plans $124
    Consumer Auto Loans $32,684
    Other loans to individuals $15,655
    All other loans & leases $69,991
    Loans to foreign governments and official institutions $0
    Other loans $4,555
    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 $1,747
    Non 1-4 family restructured loans & leases $863
    Total loans and leases (foreign) $0

    First State Community Bank had $1,904,284,000 of loans outstanding in 2018. $1,639,307,000 of loans were in real estate loans. $198,645,000 of loans were in development loans. $77,452,000 of loans were in multifamily mortgage loans. $613,112,000 of loans were in 1-4 family mortgage loans. $22,798,000 of loans were in farm loans. $2,992,000 of loans were in credit card loans. $32,684,000 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 1,254 $220,993 $176,230
    Nonfarm, nonresidential loans - <$100k 420 $17,253 $41,079
    Nonfarm, nonresidential loans - $100-250k 418 $50,673 $121,227
    Nonfarm, nonresidential loans - $250k-1MM 416 $153,067 $367,950
    Commercial & Industrial, US addressed loans - <$1MM 1,557 $88,882 $57,085
    Commercial & Industrial, US addressed loans - <$100k 1,168 $26,169 $22,405
    Commercial & Industrial, US addressed loans - $100-250k 241 $23,523 $97,606
    Commercial & Industrial, US addressed loans - $250k-1MM 148 $39,190 $264,797
    Farmland loans - <$1MM 674 $74,776 $110,944
    Farmland loans - <$100k 294 $12,067 $41,044
    Farmland loans - $100-250k 273 $34,195 $125,256
    Farmland loans - $250k-1MM 107 $28,514 $266,486
    Agriculture operations loans - <$1MM 558 $20,024 $35,885
    Agriculture operations loans - <$100k 490 $9,190 $18,755
    Agriculture operations loans - $100-250k 50 $5,543 $110,860
    Agriculture operations loans - $250k-1MM 18 $5,291 $293,944