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, Columbia, and Lebanon 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

    2,826

    Origination Dollar Volume (All Markets)

    $485,000,000

    Employee count

    721 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) 720 $144,750,000 $201,042 $2,344 3.60%
    Outside of Metro Areas 626 $98,920,000 $158,019 $1,975 3.70%
    Farmington, MO (FHA|USDA|VA) 555 $75,485,000 $136,009 $2,001 3.79%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 302 $57,290,000 $189,702 $2,429 3.48%
    COLUMBIA, MO (FHA|USDA|VA) 120 $36,890,000 $307,417 $1,706 3.66%
    Lebanon, MO (FHA|USDA|VA) 187 $24,995,000 $133,663 $1,992 3.81%
    Sikeston, MO (FHA|USDA|VA) 64 $15,560,000 $243,125 $2,367 3.70%
    Kennett, MO (FHA|USDA|VA) 58 $5,290,000 $91,207 $1,614 3.79%
    Rolla, MO (FHA|USDA|VA) 33 $4,775,000 $144,697 $1,565 3.91%
    Moberly, MO (FHA|USDA|VA) 47 $4,435,000 $94,362 $1,462 3.95%
    SPRINGFIELD, MO (FHA|USDA|VA) 28 $3,970,000 $141,786 $1,828 3.48%
    Mexico, MO (FHA|USDA|VA) 30 $3,470,000 $115,667 $1,577 3.80%
    JEFFERSON CITY, MO (FHA|USDA|VA) 15 $2,415,000 $161,000 $2,331 3.76%
    Poplar Bluff, MO (FHA|USDA|VA) 4 $2,150,000 $537,500 $1,327 3.96%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $980,000 $245,000 $2,276 3.45%
    Fort Leonard Wood, MO (FHA|USDA|VA) 9 $925,000 $102,778 $1,106 4.15%
    Marshall, MO (FHA|USDA|VA) 12 $910,000 $75,833 $1,280 4.09%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $420,000 $105,000 $2,160 3.47%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.10%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $245,000 $245,000 $3,151 3.63%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.64%
    Kirksville, MO (FHA|USDA|VA) 3 $205,000 $68,333 $2,064 4.14%
    Dyersburg, TN (FHA|USDA|VA) 1 $195,000 $195,000 $2,893 3.88%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.20%
    First State Community Bank's top markets include St. Louis, Farmington, Cape Girardeau, Columbia, and Lebanon among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (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 Midwest Bank of Dexter
    Similarity Rank: 156
    HNB National Bank
    Similarity Rank: 165
    United Bank of Union
    Similarity Rank: 245
    CapGrow Home Mortgage, LLC
    Similarity Rank: 352
    Prairie State Bank and Trust
    Similarity Rank: 360
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 428
    Jefferson Bank of Missouri
    Similarity Rank: 720
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 825
    Flanagan State Bank
    Similarity Rank: 840
    Central Bank of Boone County
    Similarity Rank: 861

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,273 $438,265,000 $192,813 $2,024 3.65%
    HELOC 482 $37,970,000 $78,776 n/a 3.99%
    USDA 71 $8,765,000 $123,451 $3,929 2.61%

    For 2020, First State Community Bank's most frequently originated type of loan was Conventional, with 2,273 originations. Their 2nd most popular type was HELOC, with 482 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,127 $195,065,000 $173,083 $2,246 3.82%
    Refi 1,029 $218,425,000 $212,269 $1,847 3.51%
    Cash Out Refi 266 $47,600,000 $178,947 $2,595 3.20%
    Home Improvement 228 $11,840,000 $51,930 $1,174 4.07%
    Other 176 $12,070,000 $68,580 $1,415 4.06%

    For 2020, First State Community Bank's most frequently cited loan purpose was Home Purchase, with 1,127 originations. The 2nd most popular reason was Refi, with 1,029 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,111 $208,085,000 $187,295 $2,379 3.36%
    10 Year 521 $43,865,000 $84,194 $973 4.02%
    15 Year 467 $67,595,000 $144,743 $1,985 3.34%
    20 Year 430 $81,920,000 $190,512 $1,559 4.03%
    Other 192 $62,880,000 $327,500 $913 4.24%
    1 Year 80 $9,760,000 $122,000 $0 4.45%
    5 Year 21 $8,815,000 $419,762 $952 5.19%
    3 Year 4 $2,080,000 $520,000 $0 3.89%

    For 2020, First State Community Bank's most frequently cited loan duration was 30 Year, with 1,111 originations. The 2nd most popular length was 10 Year, with 521 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,057 $166,555,000 $157,573
    $1k-2k 724 $132,980,000 $183,674
    $2k-3k 22 $4,760,000 $216,364
    $3k-4k 8 $2,010,000 $251,250
    $5k+ 8 $2,450,000 $306,250
    $4k-5k 3 $925,000 $308,333

    First State Community Bank's average total fees were $2,379, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,057 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,360 $261,450,000 $192,243
    2.5-3% 585 $102,895,000 $175,889
    4-5% 506 $78,850,000 $155,830
    5-6% 157 $12,545,000 $79,904
    <2.5% 138 $24,450,000 $177,174
    6-7% 49 $3,525,000 $71,939
    7-8% 16 $910,000 $56,875
    Over 8% 15 $375,000 $25,000

    During 2020, First State Community Bank's average interest rate for loans was 3.36%, while their most frequently originated rate bucket for loans was 3-4%, with 1,360 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,141 $62,595,000 $54,860 $1,580 4.08%
    $100k-200k 990 $141,060,000 $142,485 $2,133 3.46%
    $200k-400k 577 $154,545,000 $267,842 $2,493 3.31%
    $400k-600k 69 $32,415,000 $469,783 $2,739 3.42%
    $1MM+ 26 $77,120,000 $2,966,154 $3,193 3.89%
    $600k-1MM 23 $17,265,000 $750,652 $2,208 3.98%

    2020 saw First State Community Bank place emphasis on $100,000 or less loans with 1,141 originations, totaling $62,595,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 575 $76,425,000 $132,913 $2,179 3.64%
    $50k or less 562 $49,770,000 $88,559 $2,065 3.73%
    $100k-150k 441 $76,115,000 $172,596 $2,246 3.58%
    $75k-100k 421 $59,325,000 $140,914 $2,107 3.63%
    $150k-250k 181 $34,495,000 $190,580 $2,069 3.65%
    $250k+ 115 $34,225,000 $297,609 $2,093 3.72%

    First State Community Bank lent most frequently to those with incomes in the $50k-75k range, with 575 originations. The second most popular income band? $50k or less, with 562 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 601 $82,735,000 $137,662 $2,053 3.49%
    30-36% 458 $65,990,000 $144,083 $2,262 3.48%
    <20% 342 $40,500,000 $118,421 $1,690 3.55%
    41% 80 $13,660,000 $170,750 $2,292 3.51%
    37% 74 $13,620,000 $184,054 $2,314 3.24%
    39% 73 $12,175,000 $166,781 $2,302 3.43%
    42% 71 $11,045,000 $155,563 $1,953 3.67%
    36% 71 $11,015,000 $155,141 $2,341 3.48%
    38% 67 $9,205,000 $137,388 $2,008 3.62%
    40% 64 $9,980,000 $155,938 $2,167 3.60%
    43% 49 $7,495,000 $152,959 $2,692 3.38%
    44% 42 $7,740,000 $184,286 $2,523 3.64%
    45% 40 $7,930,000 $198,250 $2,504 3.61%
    46% 36 $6,500,000 $180,556 $2,590 3.34%
    50-60% 33 $4,615,000 $139,848 $1,415 4.01%
    47% 27 $4,265,000 $157,963 $2,493 3.21%
    48% 27 $4,055,000 $150,185 $2,662 3.47%
    49% 21 $4,485,000 $213,571 $2,442 3.21%
    >60% 12 $1,780,000 $148,333 $1,475 4.00%

    First State Community Bank lent most frequently to those with DTI ratios of 20-30%, with 601 originations. The next most common DTI ratio? 30-36%, with 458 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,454 $365,330,000 $148,871 $2,101 3.61%
    Not applicable 299 $108,355,000 $362,391 $1,250 4.28%
    Not provided 43 $7,675,000 $178,488 $2,229 3.41%
    Asian 9 $1,815,000 $201,667 $2,789 3.70%
    Black 17 $1,395,000 $82,059 $1,463 4.13%
    American Indian 2 $180,000 $90,000 $0 5.12%
    Asian Indian 1 $155,000 $155,000 $2,825 2.88%
    Other Pacific Islander 1 $95,000 $95,000 $0 3.20%

    Approval Rates

    Total approvals of all applications
    86.85%

    First State Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.04%

    First State Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    118.5 10 $230,000 $23,000
    137.0 1 $25,000 $25,000
    NA 2,815 $484,745,000 $172,201

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 17 $13,835,000 $813,824
    Multifamily:Site-Built 74 $75,210,000 $1,016,351
    Single Family (1-4 Units):Manufactured 108 $7,690,000 $71,204
    Single Family (1-4 Units):Site-Built 2,627 $388,265,000 $147,798

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 310 $26,960,000 $86,968 $1,416 3.87%
    40-60% 401 $86,395,000 $215,449 $1,799 3.65%
    60-80% 1,144 $221,790,000 $193,872 $2,056 3.66%
    80-100% 681 $127,885,000 $187,790 $2,512 3.50%
    Over 100% 8 $5,780,000 $722,500 $3,104 3.72%
    Under 20% 282 $16,190,000 $57,411 $885 4.07%

    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 Other type of mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK Other type of mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 13.3%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%
    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 Conventional home mortgage Trouble during payment process 4 26.7%
    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 State Community Bank 301 West Washington Richland, MO 65556 Full Service B&M $16,613
    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 $49,784
    First State Community Bank 100 South 4th Street Moberly, MO 65270 Full Service B&M $34,282
    First State Community Bank 101 West Commercial Street Lebanon, MO 65536 Full Service B&M $228,585
    First State Community Bank 1015 Highway 84 East Street Hayti, MO 63851 Full Service B&M $12,192
    First State Community Bank 1022 North Highway 47 Warrenton, MO 63383 Full Service B&M $45,812
    First State Community Bank 1035 S. Cherokee Dr. Marshall, MO 65340 Full Service B&M $26,744
    First State Community Bank 1135 North Desloge Drive Desloge, MO 63601 Full Service B&M $26,513
    First State Community Bank 114 Independence Avenue Kennett, MO 63857 Full Service B&M $28,641
    First State Community Bank 1214 North Douglas Malden, MO 63863 Full Service B&M $42,378
    First State Community Bank 1401 St. Joe Drive Park Hills, MO 63601 Full Service B&M $88,790
    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 $33,337
    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 $97,927
    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 $84,435
    First State Community Bank 20 Wildcat Drive Wright City, MO 63390 Full Service B&M $29,757
    First State Community Bank 200 East Main Street Portageville, MO 63873 Full Service B&M $22,858
    First State Community Bank 201 East Columbia Street Farmington, MO 63640 Full Service B&M $356,006
    First State Community Bank 201 North Main Sikeston, MO 63801 Full Service B&M $57,558
    First State Community Bank 210 West 8th Street Rolla, MO 65401 Full Service B&M $80,516
    First State Community Bank 222 South Jefferson Street Mexico, MO 65265 Full Service B&M $17,137
    First State Community Bank 231 South Main Street Ironton, MO 63650 Full Service B&M $81,876
    First State Community Bank 2527 William Street Cape Girardeau, MO 63701 Full Service B&M $141,976
    First State Community Bank 3 East Springfield Sullivan, MO 63080 Full Service B&M $95,962
    First State Community Bank 300 Diego Drive Columbia, MO 65203 Full Service B&M $110,795
    First State Community Bank 302 West St Louis Street Pacific, MO 63069 Full Service B&M $28,132
    First State Community Bank 308 W. Lincoln Owensville, MO 65066 Full Service Cyber Office $33,456
    First State Community Bank 320 West Main Street Jackson, MO 63755 Full Service B&M $82,692
    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 $97,297
    First State Community Bank 412 Main Street Boonville, MO 65233 Full Service B&M $26,622
    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 $21,812
    First State Community Bank 4767 State Road B Hillsboro, MO 63050 Full Service B&M $56,438
    First State Community Bank 602 West Jefferson Avenue Conway, MO 65632 Full Service B&M $23,414
    First State Community Bank 6021 W Outer Road Imperial, MO 63052 Full Service B&M $55,761
    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 $63,601
    First State Community Bank 74 Rue Terre Bonne Bonne Terre, MO 63628 Full Service B&M $15,021
    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 $41,037
    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 $111,767

    For 2020, First State Community Bank had 51 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $112,695
    Net interest income $98,090
    Total noninterest income $44,554
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $8,770
    Trading account gains and fees $0
    Additional Noninterest Income $35,784
    Pre-tax net operating income $52,733
    Securities gains (or losses, -) $845
    Income before extraordinary items $43,806
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $43,806
    Minority interest net income $5
    Net income $43,801
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $43,113

    First State Community Bank's gross interest income from loans was $112,695,000.
    First State Community Bank's net interest income from loans was $98,090,000.
    First State Community Bank's fee based income from loans was $8,770,000.
    First State Community Bank's net income from loans was $43,801,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $14,605
    Provision for credit losses $5,560
    Total noninterest expense $84,351
    Salaries and employee benefits $47,683
    Premises and equipment expense $10,384
    Additional noninterest expense $26,284
    Applicable income taxes $9,772
    Net charge-offs $1,124
    Cash dividends $10,915

    First State Community Bank's interest expense for loans was $14,605,000.
    First State Community Bank's payroll and benefits expense were $47,683,000.
    First State Community Bank's property, plant and equipment expenses $10,384,000.

    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 $2,933,323
    Deposits held in domestic offices $2,933,323
    Deposits by Individuals, partnerships, and corporations $2,388,701
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $544,593
    Deposits by Commercial banks and other depository institutions in U.S. $29
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $298,369
    Demand deposits $171,312
    Nontransaction accounts $2,634,954
    Money market deposit accounts (MMDAs) $606,701
    Other savings deposits (excluding MMDAs) $1,506,912
    Total time deposits $521,341
    Total time and savings deposits $2,762,011
    Noninterest-bearing deposits $677,369
    Interest-bearing deposits $2,255,954
    Retail deposits $2,814,071
    IRAs and Keogh plan accounts $78,708
    Brokered deposits $13,980
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,396,765
    Cash & Balances due from depository institutions $208,931
    Interest-bearing balances $168,776
    Total securities $519,988
    Federal funds sold & reverse repurchase $31,690
    Net loans and leases $2,356,077
    Loan and leases loss allowance $23,649
    Trading account assets $93
    Bank premises and fixed assets $70,166
    Other real estate owned $2,474
    Goodwill and other intangibles $81,529
    All other assets $125,817

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,396,765
    Total Liabilities $3,024,641
    Total deposits $2,933,323
    Interest-bearing deposits $2,255,954
    Deposits held in domestic offices $2,933,323
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $6,963
    Trading liabilities $93
    Other borrowed funds $68,000
    Subordinated debt $0
    All other liabilities $16,262

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,356,077
    Loan and leases loss allowance $23,649
    Total loans and leases (domestic) $2,379,726
    All real estate loans $1,901,236
    Real estate loans in domestic offices $1,901,236
    Construction and development loans $215,517
    Residential 1-4 family construction $66,492
    Other construction, all land development and other land $149,025
    Loans secured by nonfarm nonresidential properties $692,892
    Nonfarm nonresidential secured by owner-occupied properties $333,100
    Commercial real estate & other non-farm, non-residential $359,792
    Multifamily residential real estate $105,490
    1-4 family residential loans $747,474
    Farmland loans $139,863
    Loans held in foreign offices $0
    Farm loans $23,794
    Commercial and industrial loans $282,910
    To non-U.S. addressees $0
    Loans to individuals $54,291
    Credit card loans $0
    Related Plans $169
    Consumer Auto Loans $35,569
    Other loans to individuals $18,553
    All other loans & leases $117,495
    Loans to foreign governments and official institutions $0
    Other loans $5,049
    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 $25,672
    Non 1-4 family restructured loans & leases $25,118
    Total loans and leases (foreign) $0

    First State Community Bank had $2,356,077,000 of loans outstanding in 2020. $1,901,236,000 of loans were in real estate loans. $215,517,000 of loans were in development loans. $105,490,000 of loans were in multifamily mortgage loans. $747,474,000 of loans were in 1-4 family mortgage loans. $23,794,000 of loans were in farm loans. $0 of loans were in credit card loans. $35,569,000 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 1,361 $259,349 $190,558
    Nonfarm, nonresidential loans - <$100k 415 $17,063 $41,116
    Nonfarm, nonresidential loans - $100-250k 449 $56,572 $125,996
    Nonfarm, nonresidential loans - $250k-1MM 497 $185,714 $373,670
    Commercial & Industrial, US addressed loans - <$1MM 2,723 $157,489 $57,837
    Commercial & Industrial, US addressed loans - <$100k 2,125 $53,614 $25,230
    Commercial & Industrial, US addressed loans - $100-250k 390 $43,161 $110,669
    Commercial & Industrial, US addressed loans - $250k-1MM 208 $60,714 $291,894
    Farmland loans - <$1MM 679 $79,597 $117,227
    Farmland loans - <$100k 273 $11,400 $41,758
    Farmland loans - $100-250k 271 $32,110 $118,487
    Farmland loans - $250k-1MM 135 $36,087 $267,311
    Agriculture operations loans - <$1MM 571 $18,459 $32,327
    Agriculture operations loans - <$100k 493 $8,765 $17,779
    Agriculture operations loans - $100-250k 61 $5,886 $96,492
    Agriculture operations loans - $250k-1MM 17 $3,808 $224,000