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 24 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/21/24
    30 Year Conventional Purchase 6.82% 11/21/24
    30 Year Conventional Refi 6.99% 11/21/24
    30 Year Cash-out Refi 6.89% 11/21/24
    30 Year FHA Purchase 6.27% 11/21/24
    30 Year FHA Refi 6.27% 11/21/24
    30 Year VA Purchase 6.27% 11/21/24
    30 Year USDA Purchase 6.71% 11/21/24
    15 Year Conventional Purchase 6.92% 11/21/24
    15 Year Conventional Refi 6.86% 11/21/24
    15 Year Cash-out Refi 6.86% 11/21/24
    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

    2,055

    Origination Dollar Volume (All Markets)

    $266,965,000

    Employee count

    651 Show all (10) 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) 520 $75,480,000 $145,154 $2,507 4.92%
    Outside of Metro Areas 445 $54,485,000 $122,438 $1,911 5.03%
    Farmington, MO (FHA|USDA|VA) 414 $50,660,000 $122,367 $1,960 5.04%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 178 $27,480,000 $154,382 $2,355 4.89%
    Lebanon, MO (FHA|USDA|VA) 179 $21,495,000 $120,084 $2,170 5.11%
    COLUMBIA, MO (FHA|USDA|VA) 68 $11,540,000 $169,706 $2,191 5.09%
    Sikeston, MO (FHA|USDA|VA) 55 $7,055,000 $128,273 $2,496 5.13%
    Mexico, MO (FHA|USDA|VA) 35 $3,055,000 $87,286 $1,812 4.99%
    Moberly, MO (FHA|USDA|VA) 28 $3,030,000 $108,214 $1,314 5.85%
    SPRINGFIELD, MO (FHA|USDA|VA) 23 $2,795,000 $121,522 $2,288 4.97%
    Rolla, MO (FHA|USDA|VA) 22 $2,610,000 $118,636 $1,243 5.39%
    Kennett, MO (FHA|USDA|VA) 37 $2,035,000 $55,000 $1,545 5.67%
    Branson, MO (FHA|USDA|VA) 7 $1,735,000 $247,857 $1,513 4.79%
    Marshall, MO (FHA|USDA|VA) 19 $1,265,000 $66,579 $2,119 4.80%
    JEFFERSON CITY, MO (FHA|USDA|VA) 6 $540,000 $90,000 $2,377 4.66%
    Fort Leonard Wood, MO (FHA|USDA|VA) 7 $395,000 $56,429 $1,222 5.53%
    Poplar Bluff, MO (FHA|USDA|VA) 4 $300,000 $75,000 $4,509 4.57%
    Morehead City, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.35%
    Mountain Home, AR (FHA|USDA|VA) 1 $245,000 $245,000 $1,642 4.97%
    Kirksville, MO (FHA|USDA|VA) 2 $190,000 $95,000 $0 5.34%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.99%
    Paragould, AR (FHA|USDA|VA) 1 $85,000 $85,000 $1,332 5.09%
    Hannibal, MO (FHA|USDA|VA) 1 $35,000 $35,000 $1,149 3.89%
    Blytheville, AR (FHA|USDA|VA) 1 $25,000 $25,000 $1,124 7.64%
    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)
  • Arkansas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Illinois (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.

    WEST COMMUNITY
    Similarity Rank: 235
    Hawthorn Bank
    Similarity Rank: 255
    United Bank of Union
    Similarity Rank: 275
    Jefferson Bank of Missouri
    Similarity Rank: 280
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 302
    ELECTRO SAVINGS CREDIT UNION
    Similarity Rank: 396
    Dieterich Bank
    Similarity Rank: 442
    CapGrow Home Mortgage, LLC
    Similarity Rank: 450
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 515
    Flanagan State Bank
    Similarity Rank: 612

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,568 $231,120,000 $147,398 $2,025 4.88%
    HELOC 423 $28,265,000 $66,820 n/a 5.76%
    USDA 64 $7,580,000 $118,438 $3,647 3.70%

    For 2019, First State Community Bank's most frequently originated type of loan was Conventional, with 1,568 originations. Their 2nd most popular type was HELOC, with 423 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 981 $140,685,000 $143,410 $2,261 4.92%
    Refi 560 $85,370,000 $152,446 $1,875 4.95%
    Home Improvement 219 $10,945,000 $49,977 $1,174 5.68%
    Other 168 $9,780,000 $58,214 $1,401 5.78%
    Cash Out Refi 127 $20,185,000 $158,937 $2,619 4.00%

    For 2019, First State Community Bank's most frequently cited loan purpose was Home Purchase, with 981 originations. The 2nd most popular reason was Refi, with 560 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 729 $123,605,000 $169,554 $2,395 4.28%
    10 Year 446 $27,500,000 $61,659 $1,191 5.78%
    20 Year 331 $40,515,000 $122,402 $1,537 5.37%
    15 Year 247 $29,885,000 $120,992 $1,921 4.79%
    Other 171 $28,585,000 $167,164 $1,365 5.47%
    1 Year 103 $12,515,000 $121,505 $2,599 5.50%
    5 Year 19 $3,685,000 $193,947 $827 5.95%
    3 Year 9 $675,000 $75,000 $684 5.46%

    For 2019, First State Community Bank's most frequently cited loan duration was 30 Year, with 729 originations. The 2nd most popular length was 10 Year, with 446 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 596 $77,510,000 $130,050
    $1k-2k 515 $86,215,000 $167,408
    $2k-3k 10 $2,790,000 $279,000
    $4k-5k 1 $315,000 $315,000

    First State Community Bank's average total fees were $2,395, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 596 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 687 $75,955,000 $110,560
    4-5% 572 $89,020,000 $155,629
    3-4% 470 $82,440,000 $175,404
    6-7% 230 $14,110,000 $61,348
    7-8% 73 $4,165,000 $57,055
    Over 8% 18 $490,000 $27,222
    2.5-3% 5 $785,000 $157,000

    During 2019, First State Community Bank's average interest rate for loans was 4.28%, while their most frequently originated rate bucket for loans was 5-6%, with 687 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,056 $55,170,000 $52,244 $1,607 5.49%
    $100k-200k 631 $88,995,000 $141,038 $2,246 4.58%
    $200k-400k 310 $81,670,000 $263,452 $2,586 4.41%
    $400k-600k 43 $19,995,000 $465,000 $3,372 4.67%
    $1MM+ 10 $17,300,000 $1,730,000 $4,109 4.70%
    $600k-1MM 5 $3,835,000 $767,000 $2,648 4.72%

    2019 saw First State Community Bank place emphasis on $100,000 or less loans with 1,056 originations, totaling $55,170,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 464 $35,170,000 $75,797 $1,968 5.11%
    $50k-75k 407 $44,305,000 $108,857 $2,154 4.93%
    $100k-150k 298 $41,830,000 $140,369 $2,205 5.02%
    $75k-100k 295 $38,945,000 $132,017 $2,157 4.90%
    $150k-250k 135 $25,145,000 $186,259 $2,338 4.89%
    $250k+ 43 $10,795,000 $251,047 $2,189 5.13%

    First State Community Bank lent most frequently to those with incomes in the $50k or less range, with 464 originations. The second most popular income band? $50k-75k, with 407 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 380 $43,080,000 $113,368 $2,105 4.86%
    30-36% 315 $39,325,000 $124,841 $2,241 4.75%
    <20% 232 $21,310,000 $91,853 $1,779 5.04%
    36% 61 $8,535,000 $139,918 $2,324 5.02%
    39% 58 $7,960,000 $137,241 $2,062 4.65%
    37% 56 $7,280,000 $130,000 $2,127 4.98%
    40% 49 $6,445,000 $131,531 $2,340 4.70%
    41% 43 $6,725,000 $156,395 $2,182 4.50%
    38% 42 $6,570,000 $156,429 $2,126 4.55%
    42% 39 $5,705,000 $146,282 $1,978 4.65%
    43% 29 $3,575,000 $123,276 $2,169 4.75%
    44% 28 $4,480,000 $160,000 $2,177 4.53%
    46% 22 $3,750,000 $170,455 $3,020 4.42%
    47% 20 $3,590,000 $179,500 $2,673 4.38%
    45% 20 $2,980,000 $149,000 $2,491 4.30%
    49% 20 $2,530,000 $126,500 $2,465 4.87%
    48% 15 $2,495,000 $166,333 $2,590 4.64%
    50-60% 13 $1,085,000 $83,462 $1,449 5.75%
    >60% 6 $790,000 $131,667 $2,333 6.28%

    First State Community Bank lent most frequently to those with DTI ratios of 20-30%, with 380 originations. The next most common DTI ratio? 30-36%, with 315 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,747 $212,855,000 $121,840 $2,117 4.96%
    Not applicable 264 $46,770,000 $177,159 $2,355 5.44%
    Not provided 21 $3,485,000 $165,952 $2,612 4.77%
    Asian 6 $1,990,000 $331,667 $1,633 4.78%
    Black 16 $1,730,000 $108,125 $1,714 5.62%
    Other Asian 1 $135,000 $135,000 $0 5.99%

    Approval Rates

    Total approvals of all applications
    86.13%

    First State Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.88%

    First State Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    118.0 4 $150,000 $37,500
    118.5 4 $60,000 $15,000
    NA 2,047 $266,755,000 $130,315

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 5 $2,395,000 $479,000
    Multifamily:Site-Built 57 $22,765,000 $399,386
    Single Family (1-4 Units):Manufactured 97 $6,235,000 $64,278
    Single Family (1-4 Units):Site-Built 1,896 $235,570,000 $124,246

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 278 $21,300,000 $76,619 $1,491 5.48%
    40-60% 293 $33,005,000 $112,645 $1,738 5.09%
    60-80% 725 $110,855,000 $152,903 $2,050 4.84%
    80-100% 516 $90,980,000 $176,318 $2,545 4.61%
    Over 100% 4 $2,870,000 $717,500 $2,470 5.45%
    Under 20% 239 $7,955,000 $33,285 $963 5.87%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST COMMUNITY MORTGAGE, INC. VA mortgage Closing on a mortgage 1 50.0%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Struggling to pay mortgage 1 50.0%

    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 $44,233
    First State Community Bank 100 South 4th Street Moberly, MO 65270 Full Service B&M $31,659
    First State Community Bank 101 West Commercial Street Lebanon, MO 65536 Full Service B&M $198,885
    First State Community Bank 1015 Highway 84 East Street Hayti, MO 63851 Full Service B&M $11,403
    First State Community Bank 1022 North Highway 47 Warrenton, MO 63383 Full Service B&M $34,941
    First State Community Bank 1035 S. Cherokee Dr. Marshall, MO 65340 Full Service B&M $26,548
    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 $21,600
    First State Community Bank 114 Independence Avenue Kennett, MO 63857 Full Service B&M $33,377
    First State Community Bank 1214 North Douglas Malden, MO 63863 Full Service B&M $39,575
    First State Community Bank 1401 St. Joe Drive Park Hills, MO 63601 Full Service B&M $0
    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 $29,938
    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 $97,801
    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 $65,724
    First State Community Bank 20 Wildcat Drive Wright City, MO 63390 Full Service B&M $24,096
    First State Community Bank 200 East Main Street Portageville, MO 63873 Full Service B&M $21,361
    First State Community Bank 201 East Columbia Street Farmington, MO 63640 Full Service B&M $345,446
    First State Community Bank 201 North Main Sikeston, MO 63801 Full Service B&M $47,195
    First State Community Bank 210 West 8th Street Rolla, MO 65401 Full Service B&M $78,487
    First State Community Bank 222 South Jefferson Street Mexico, MO 65265 Full Service B&M $15,206
    First State Community Bank 231 South Main Street Ironton, MO 63650 Full Service B&M $65,828
    First State Community Bank 2527 William Street Cape Girardeau, MO 63701 Full Service B&M $119,479
    First State Community Bank 3 East Springfield Sullivan, MO 63080 Full Service B&M $75,674
    First State Community Bank 300 Diego Drive Columbia, MO 65203 Full Service B&M $79,901
    First State Community Bank 301 West Washington Richland, MO 65556 Full Service B&M $16,182
    First State Community Bank 302 West St Louis Street Pacific, MO 63069 Full Service B&M $15,583
    First State Community Bank 308 W. Lincoln Owensville, MO 65066 Full Service Cyber Office $28,574
    First State Community Bank 320 West Main Street Jackson, MO 63755 Full Service B&M $74,513
    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 $72,517
    First State Community Bank 406 North Perryville Boulevard Perryville, MO 63775 Full Service B&M $75,024
    First State Community Bank 412 Main Street Boonville, MO 65233 Full Service B&M $23,380
    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 $18,275
    First State Community Bank 4767 State Road B Hillsboro, MO 63050 Full Service B&M $41,179
    First State Community Bank 602 West Jefferson Avenue Conway, MO 65632 Full Service B&M $19,994
    First State Community Bank 6021 W Outer Road Imperial, MO 63052 Full Service B&M $44,294
    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 $49,172
    First State Community Bank 74 Rue Terre Bonne Bonne Terre, MO 63628 Full Service B&M $12,650
    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 Highway A And Collins Road Festus, MO 63028 Full Service B&M $33,511
    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 $96,114

    For 2019, First State Community Bank had 52 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $109,941
    Net interest income $88,630
    Total noninterest income $37,702
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $10,238
    Trading account gains and fees $0
    Additional Noninterest Income $27,464
    Pre-tax net operating income $48,418
    Securities gains (or losses, -) $47
    Income before extraordinary items $39,669
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $39,669
    Minority interest net income $5
    Net income $39,664
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $39,630

    First State Community Bank's gross interest income from loans was $109,941,000.
    First State Community Bank's net interest income from loans was $88,630,000.
    First State Community Bank's fee based income from loans was $10,238,000.
    First State Community Bank's net income from loans was $39,664,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $21,311
    Provision for credit losses $2,068
    Total noninterest expense $75,846
    Salaries and employee benefits $42,741
    Premises and equipment expense $10,020
    Additional noninterest expense $23,085
    Applicable income taxes $8,796
    Net charge-offs $1,682
    Cash dividends $14,057

    First State Community Bank's interest expense for loans was $21,311,000.
    First State Community Bank's payroll and benefits expense were $42,741,000.
    First State Community Bank's property, plant and equipment expenses $10,020,000.

    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 $2,194,368
    Deposits held in domestic offices $2,194,368
    Deposits by Individuals, partnerships, and corporations $1,755,205
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $438,909
    Deposits by Commercial banks and other depository institutions in U.S. $254
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $207,721
    Demand deposits $116,372
    Nontransaction accounts $1,986,647
    Money market deposit accounts (MMDAs) $400,973
    Other savings deposits (excluding MMDAs) $1,016,991
    Total time deposits $568,683
    Total time and savings deposits $2,077,996
    Noninterest-bearing deposits $409,542
    Interest-bearing deposits $1,784,826
    Retail deposits $1,963,178
    IRAs and Keogh plan accounts $71,657
    Brokered deposits $70,793
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,622,768
    Cash & Balances due from depository institutions $95,371
    Interest-bearing balances $61,592
    Total securities $299,801
    Federal funds sold & reverse repurchase $357
    Net loans and leases $1,998,253
    Loan and leases loss allowance $19,213
    Trading account assets $0
    Bank premises and fixed assets $69,862
    Other real estate owned $1,417
    Goodwill and other intangibles $49,426
    All other assets $108,281

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,622,768
    Total Liabilities $2,300,804
    Total deposits $2,194,368
    Interest-bearing deposits $1,784,826
    Deposits held in domestic offices $2,194,368
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $5,839
    Trading liabilities $0
    Other borrowed funds $90,000
    Subordinated debt $0
    All other liabilities $10,597

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,998,253
    Loan and leases loss allowance $19,213
    Total loans and leases (domestic) $2,017,466
    All real estate loans $1,701,742
    Real estate loans in domestic offices $1,701,742
    Construction and development loans $194,651
    Residential 1-4 family construction $72,472
    Other construction, all land development and other land $122,179
    Loans secured by nonfarm nonresidential properties $651,965
    Nonfarm nonresidential secured by owner-occupied properties $312,512
    Commercial real estate & other non-farm, non-residential $339,453
    Multifamily residential real estate $90,730
    1-4 family residential loans $611,660
    Farmland loans $152,736
    Loans held in foreign offices $0
    Farm loans $23,203
    Commercial and industrial loans $160,696
    To non-U.S. addressees $0
    Loans to individuals $55,155
    Credit card loans $4,837
    Related Plans $115
    Consumer Auto Loans $32,429
    Other loans to individuals $17,774
    All other loans & leases $76,670
    Loans to foreign governments and official institutions $0
    Other loans $5,185
    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 $1,303
    Non 1-4 family restructured loans & leases $869
    Total loans and leases (foreign) $0

    First State Community Bank had $1,998,253,000 of loans outstanding in 2019. $1,701,742,000 of loans were in real estate loans. $194,651,000 of loans were in development loans. $90,730,000 of loans were in multifamily mortgage loans. $611,660,000 of loans were in 1-4 family mortgage loans. $23,203,000 of loans were in farm loans. $4,837,000 of loans were in credit card loans. $32,429,000 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 1,310 $244,485 $186,630
    Nonfarm, nonresidential loans - <$100k 424 $18,235 $43,007
    Nonfarm, nonresidential loans - $100-250k 432 $54,406 $125,940
    Nonfarm, nonresidential loans - $250k-1MM 454 $171,844 $378,511
    Commercial & Industrial, US addressed loans - <$1MM 1,674 $98,879 $59,068
    Commercial & Industrial, US addressed loans - <$100k 1,244 $28,288 $22,740
    Commercial & Industrial, US addressed loans - $100-250k 267 $25,690 $96,217
    Commercial & Industrial, US addressed loans - $250k-1MM 163 $44,901 $275,466
    Farmland loans - <$1MM 679 $76,877 $113,221
    Farmland loans - <$100k 288 $11,547 $40,094
    Farmland loans - $100-250k 277 $34,387 $124,141
    Farmland loans - $250k-1MM 114 $30,943 $271,430
    Agriculture operations loans - <$1MM 588 $20,921 $35,580
    Agriculture operations loans - <$100k 510 $9,474 $18,576
    Agriculture operations loans - $100-250k 55 $5,335 $97,000
    Agriculture operations loans - $250k-1MM 23 $6,112 $265,739