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™
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    • 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 Jefferson City among others. We have data for 28 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% 11/22/24
    30 Year Conventional Purchase 6.82% 11/22/24
    30 Year Conventional Refi 6.99% 11/22/24
    30 Year Cash-out Refi 6.89% 11/22/24
    30 Year FHA Purchase 6.27% 11/22/24
    30 Year FHA Refi 6.27% 11/22/24
    30 Year VA Purchase 6.27% 11/22/24
    30 Year USDA Purchase 6.71% 11/22/24
    15 Year Conventional Purchase 6.92% 11/22/24
    15 Year Conventional Refi 6.86% 11/22/24
    15 Year Cash-out Refi 6.86% 11/22/24
    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

    2,509

    Origination Dollar Volume (All Markets)

    $456,245,000

    Employee count

    716 Show all (11) 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) 583 $124,075,000 $212,822 $2,531 3.33%
    Outside of Metro Areas 643 $89,805,000 $139,666 $1,984 3.38%
    Farmington, MO (FHA|USDA|VA) 477 $72,815,000 $152,652 $2,138 3.49%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 232 $41,560,000 $179,138 $2,304 3.26%
    COLUMBIA, MO (FHA|USDA|VA) 110 $36,760,000 $334,182 $1,978 3.28%
    JEFFERSON CITY, MO (FHA|USDA|VA) 9 $26,925,000 $2,991,667 $2,339 3.23%
    Lebanon, MO (FHA|USDA|VA) 154 $19,510,000 $126,688 $1,740 3.70%
    Sikeston, MO (FHA|USDA|VA) 62 $7,900,000 $127,419 $1,875 3.55%
    Moberly, MO (FHA|USDA|VA) 41 $7,135,000 $174,024 $1,502 3.62%
    Mexico, MO (FHA|USDA|VA) 53 $6,985,000 $131,792 $1,693 3.51%
    SPRINGFIELD, MO (FHA|USDA|VA) 24 $5,160,000 $215,000 $2,683 3.14%
    Rolla, MO (FHA|USDA|VA) 30 $4,340,000 $144,667 $1,347 3.75%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $3,290,000 $1,645,000 $0 3.50%
    Kennett, MO (FHA|USDA|VA) 42 $2,990,000 $71,190 $1,397 3.96%
    Marshall, MO (FHA|USDA|VA) 17 $1,165,000 $68,529 $1,740 3.34%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $1,065,000 $213,000 $2,893 3.47%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $1,040,000 $520,000 $0 3.45%
    Fort Leonard Wood, MO (FHA|USDA|VA) 4 $700,000 $175,000 $1,603 3.35%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $545,000 $181,667 $2,496 2.83%
    Kirksville, MO (FHA|USDA|VA) 2 $410,000 $205,000 $4,495 2.56%
    Branson, MO (FHA|USDA|VA) 3 $405,000 $135,000 $1,517 3.31%
    Morehead City, NC (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.20%
    Poplar Bluff, MO (FHA|USDA|VA) 2 $280,000 $140,000 $1,184 3.29%
    Hannibal, MO (FHA|USDA|VA) 4 $230,000 $57,500 $599 3.68%
    Sedalia, MO (FHA|USDA|VA) 1 $225,000 $225,000 $2,971 2.75%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,766 3.40%
    Cullowhee, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.65%
    First State Community Bank's top markets include St. Louis, Farmington, Cape Girardeau, Columbia, and Jefferson City among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • North Carolina (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.

    The Callaway Bank
    Similarity Rank: 198
    MISSOURI Credit Union
    Similarity Rank: 266
    Town & Country Bank
    Similarity Rank: 328
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 380
    CapGrow Home Mortgage, LLC
    Similarity Rank: 552
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 627
    Flanagan State Bank
    Similarity Rank: 632
    Wood & Huston Bank
    Similarity Rank: 648
    JERSEY STATE BANK
    Similarity Rank: 725
    HNB National Bank
    Similarity Rank: 910

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,989 $397,845,000 $200,023 $2,041 3.40%
    HELOC 447 $48,725,000 $109,004 n/a 3.63%
    USDA 73 $9,675,000 $132,534 $4,073 2.58%

    For 2021, First State Community Bank's most frequently originated type of loan was Conventional, with 1,989 originations. Their 2nd most popular type was HELOC, with 447 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,198 $243,800,000 $203,506 $2,290 3.43%
    Refi 705 $147,905,000 $209,794 $1,855 3.30%
    Home Improvement 232 $13,660,000 $58,879 $915 3.78%
    Cash Out Refi 202 $34,930,000 $172,921 $2,622 3.07%
    Other 172 $15,950,000 $92,733 $1,218 3.67%

    For 2021, First State Community Bank's most frequently cited loan purpose was Home Purchase, with 1,198 originations. The 2nd most popular reason was Refi, with 705 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 979 $191,065,000 $195,163 $2,377 3.18%
    10 Year 491 $78,255,000 $159,379 $1,254 3.65%
    20 Year 435 $72,875,000 $167,529 $1,664 3.57%
    15 Year 380 $54,660,000 $143,842 $2,049 3.14%
    Other 116 $36,650,000 $315,948 $876 3.98%
    1 Year 83 $16,705,000 $201,265 $1,721 4.05%
    5 Year 17 $4,585,000 $269,706 $1,076 4.74%
    3 Year 8 $1,450,000 $181,250 $0 4.20%

    For 2021, First State Community Bank's most frequently cited loan duration was 30 Year, with 979 originations. The 2nd most popular length was 10 Year, with 491 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 782 $125,140,000 $160,026
    $1k-2k 750 $138,540,000 $184,720
    $2k-3k 17 $3,335,000 $196,176
    $5k+ 8 $2,530,000 $316,250
    $3k-4k 4 $820,000 $205,000
    $4k-5k 2 $360,000 $180,000

    First State Community Bank's average total fees were $2,377, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 782 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,340 $276,330,000 $206,216
    2.5-3% 618 $110,820,000 $179,320
    4-5% 273 $35,105,000 $128,590
    <2.5% 190 $28,480,000 $149,895
    6-7% 37 $3,155,000 $85,270
    5-6% 35 $1,835,000 $52,429
    Over 8% 12 $260,000 $21,667
    7-8% 4 $260,000 $65,000

    During 2021, First State Community Bank's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 1,340 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,016 $57,410,000 $56,506 $1,643 3.68%
    $100k-200k 879 $125,245,000 $142,486 $2,255 3.23%
    $200k-400k 472 $128,500,000 $272,246 $2,469 3.20%
    $400k-600k 91 $42,865,000 $471,044 $2,235 3.32%
    $600k-1MM 28 $20,800,000 $742,857 $2,473 3.57%
    $1MM+ 23 $81,425,000 $3,540,217 $2,722 3.51%

    2021 saw First State Community Bank place emphasis on $100,000 or less loans with 1,016 originations, totaling $57,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 559 $52,555,000 $94,016 $2,120 3.42%
    $50k-75k 497 $63,875,000 $128,521 $2,196 3.36%
    $75k-100k 382 $55,480,000 $145,236 $2,239 3.37%
    $100k-150k 351 $61,815,000 $176,111 $2,162 3.37%
    $150k-250k 190 $41,430,000 $218,053 $2,270 3.30%
    $250k+ 85 $33,635,000 $395,706 $1,799 3.40%

    First State Community Bank lent most frequently to those with incomes in the $50k or less range, with 559 originations. The second most popular income band? $50k-75k, with 497 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 493 $68,635,000 $139,219 $2,132 3.25%
    30-36% 404 $61,150,000 $151,361 $2,267 3.18%
    <20% 289 $34,575,000 $119,637 $1,739 3.25%
    37% 73 $13,415,000 $183,767 $2,031 3.30%
    36% 71 $11,415,000 $160,775 $2,215 3.45%
    40% 67 $10,435,000 $155,746 $2,481 3.09%
    38% 63 $8,565,000 $135,952 $2,442 3.51%
    39% 62 $9,730,000 $156,935 $2,241 3.42%
    41% 54 $8,640,000 $160,000 $2,401 3.41%
    42% 48 $8,580,000 $178,750 $2,363 3.22%
    43% 46 $7,850,000 $170,652 $2,359 3.10%
    45% 40 $7,620,000 $190,500 $2,682 3.15%
    50-60% 34 $5,720,000 $168,235 $1,828 3.95%
    44% 29 $5,855,000 $201,897 $2,903 3.56%
    48% 24 $4,340,000 $180,833 $2,361 2.98%
    47% 23 $5,155,000 $224,130 $2,673 3.02%
    46% 21 $3,495,000 $166,429 $2,382 3.22%
    49% 18 $2,890,000 $160,556 $2,275 3.23%
    >60% 17 $2,475,000 $145,588 $1,629 3.78%

    First State Community Bank lent most frequently to those with DTI ratios of 20-30%, with 493 originations. The next most common DTI ratio? 30-36%, with 404 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,133 $325,625,000 $152,661 $2,131 3.36%
    Not applicable 281 $115,065,000 $409,484 $0 3.86%
    Not provided 67 $11,435,000 $170,672 $2,413 3.31%
    Asian Indian 3 $1,435,000 $478,333 $1,812 3.63%
    Black 14 $1,400,000 $100,000 $1,997 3.30%
    Asian 7 $885,000 $126,429 $2,148 3.25%
    Other Pacific Islander 1 $145,000 $145,000 $2,677 2.38%
    American Indian 2 $130,000 $65,000 $1,962 3.55%
    Other Asian 1 $125,000 $125,000 $0 3.85%

    Approval Rates

    Total approvals of all applications
    86.93%

    First State Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    74.97%

    First State Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    118.5 9 $205,000 $22,778
    NA 2,500 $456,040,000 $182,416

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,509 $456,245,000 $181,843

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 339 $34,955,000 $103,112 $1,569 3.58%
    40-60% 412 $68,320,000 $165,825 $1,908 3.39%
    60-80% 932 $217,970,000 $233,873 $2,109 3.41%
    80-100% 592 $124,080,000 $209,595 $2,539 3.25%
    Over 100% 4 $920,000 $230,000 $3,589 3.78%
    Under 20% 230 $10,000,000 $43,478 $786 3.65%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Trouble during payment process 4 66.7%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 16.7%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Struggling to pay mortgage 1 16.7%

    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 $54,714
    First State Community Bank 100 South 4th Street Moberly, MO 65270 Full Service B&M $36,316
    First State Community Bank 101 West Commercial Street Lebanon, MO 65536 Full Service B&M $248,530
    First State Community Bank 1015 Highway 84 East Street Hayti, MO 63851 Full Service B&M $14,352
    First State Community Bank 1022 North Highway 47 Warrenton, MO 63383 Full Service B&M $76,511
    First State Community Bank 1035 S. Cherokee Dr. Marshall, MO 65340 Full Service B&M $31,259
    First State Community Bank 1135 North Desloge Drive Desloge, MO 63601 Full Service B&M $31,669
    First State Community Bank 114 Independence Avenue Kennett, MO 63857 Full Service B&M $29,201
    First State Community Bank 11728 Bluff Road Marthasville, MO 63357 Full Service B&M $42,657
    First State Community Bank 1214 North Douglas Malden, MO 63863 Full Service B&M $45,089
    First State Community Bank 1401 St. Joe Drive Park Hills, MO 63601 Full Service B&M $121,576
    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 $31,763
    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 $131,178
    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 $112,653
    First State Community Bank 20 Wildcat Drive Wright City, MO 63390 Full Service B&M $35,625
    First State Community Bank 200 East Main Street Portageville, MO 63873 Full Service B&M $23,830
    First State Community Bank 201 East Columbia Street Farmington, MO 63640 Full Service B&M $351,371
    First State Community Bank 201 North Main Sikeston, MO 63801 Full Service B&M $63,955
    First State Community Bank 208 East First Street Hermann, MO 65041 Full Service B&M $66,770
    First State Community Bank 210 West 8th Street Rolla, MO 65401 Full Service B&M $88,945
    First State Community Bank 222 South Jefferson Street Mexico, MO 65265 Full Service B&M $20,894
    First State Community Bank 231 South Main Street Ironton, MO 63650 Full Service B&M $92,748
    First State Community Bank 2527 William Street Cape Girardeau, MO 63701 Full Service B&M $156,301
    First State Community Bank 3 East Springfield Sullivan, MO 63080 Full Service B&M $93,476
    First State Community Bank 300 Diego Drive Columbia, MO 65203 Full Service B&M $168,747
    First State Community Bank 301 West Washington Richland, MO 65556 Full Service B&M $18,418
    First State Community Bank 302 West St Louis Street Pacific, MO 63069 Full Service B&M $35,633
    First State Community Bank 308 W. Lincoln Owensville, MO 65066 Full Service Cyber Office $76,649
    First State Community Bank 320 West Main Street Jackson, MO 63755 Full Service B&M $90,026
    First State Community Bank 3200 Golden Bear Drive Columbia, MO 65202 Full Service B&M $0
    First State Community Bank 340 South Main Street Gerald, MO 63037 Full Service B&M $47,199
    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 $113,841
    First State Community Bank 412 Main Street Boonville, MO 65233 Full Service B&M $38,908
    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 $30,877
    First State Community Bank 4767 State Road B Hillsboro, MO 63050 Full Service B&M $62,502
    First State Community Bank 602 West Jefferson Avenue Conway, MO 65632 Full Service B&M $28,342
    First State Community Bank 6021 W Outer Road Imperial, MO 63052 Full Service B&M $61,980
    First State Community Bank 607 North Highway 47 Warrenton, MO 63383 Full Service B&M $0
    First State Community Bank 702 North Washington Street Farmington, MO 63640 Limited, Drive-thru $0
    First State Community Bank 710 Park Wood Drive Sainte Genevieve, MO 63670 Full Service B&M $100,706
    First State Community Bank 713 West Main Street Fredericktown, MO 63645 Full Service B&M $72,339
    First State Community Bank 74 Rue Terre Bonne Bonne Terre, MO 63628 Full Service B&M $17,885
    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 $49,097
    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 $139,830

    For 2021, First State Community Bank had 56 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $118,930
    Net interest income $111,556
    Total noninterest income $49,907
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $9,444
    Trading account gains and fees $0
    Additional Noninterest Income $40,463
    Pre-tax net operating income $67,466
    Securities gains (or losses, -) $517
    Income before extraordinary items $55,548
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $55,548
    Minority interest net income $5
    Net income $55,543
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $55,124

    First State Community Bank's gross interest income from loans was $118,930,000.
    First State Community Bank's net interest income from loans was $111,556,000.
    First State Community Bank's fee based income from loans was $9,444,000.
    First State Community Bank's net income from loans was $55,543,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,374
    Provision for credit losses $3,793
    Total noninterest expense $90,204
    Salaries and employee benefits $51,169
    Premises and equipment expense $10,402
    Additional noninterest expense $28,633
    Applicable income taxes $12,435
    Net charge-offs $966
    Cash dividends $16,760

    First State Community Bank's interest expense for loans was $7,374,000.
    First State Community Bank's payroll and benefits expense were $51,169,000.
    First State Community Bank's property, plant and equipment expenses $10,402,000.

    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 $3,389,970
    Deposits held in domestic offices $3,389,970
    Deposits by Individuals, partnerships, and corporations $2,770,369
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $619,564
    Deposits by Commercial banks and other depository institutions in U.S. $37
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $351,290
    Demand deposits $174,637
    Nontransaction accounts $3,038,680
    Money market deposit accounts (MMDAs) $712,388
    Other savings deposits (excluding MMDAs) $1,876,050
    Total time deposits $450,242
    Total time and savings deposits $3,215,333
    Noninterest-bearing deposits $834,603
    Interest-bearing deposits $2,555,367
    Retail deposits $3,291,389
    IRAs and Keogh plan accounts $71,274
    Brokered deposits $243
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,828,717
    Cash & Balances due from depository institutions $299,155
    Interest-bearing balances $254,428
    Total securities $646,656
    Federal funds sold & reverse repurchase $30,430
    Net loans and leases $2,581,752
    Loan and leases loss allowance $26,476
    Trading account assets $331
    Bank premises and fixed assets $65,903
    Other real estate owned $1,973
    Goodwill and other intangibles $80,134
    All other assets $122,383

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,828,717
    Total Liabilities $3,425,784
    Total deposits $3,389,970
    Interest-bearing deposits $2,555,367
    Deposits held in domestic offices $3,389,970
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $5,805
    Trading liabilities $331
    Other borrowed funds $16,000
    Subordinated debt $0
    All other liabilities $13,678

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,581,752
    Loan and leases loss allowance $26,476
    Total loans and leases (domestic) $2,608,228
    All real estate loans $2,109,287
    Real estate loans in domestic offices $2,109,287
    Construction and development loans $265,803
    Residential 1-4 family construction $75,778
    Other construction, all land development and other land $190,025
    Loans secured by nonfarm nonresidential properties $787,475
    Nonfarm nonresidential secured by owner-occupied properties $334,926
    Commercial real estate & other non-farm, non-residential $452,549
    Multifamily residential real estate $79,823
    1-4 family residential loans $813,908
    Farmland loans $162,278
    Loans held in foreign offices $0
    Farm loans $26,838
    Commercial and industrial loans $242,334
    To non-U.S. addressees $0
    Loans to individuals $70,635
    Credit card loans $0
    Related Plans $144
    Consumer Auto Loans $48,919
    Other loans to individuals $21,572
    All other loans & leases $159,134
    Loans to foreign governments and official institutions $0
    Other loans $4,101
    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 $3,605
    Non 1-4 family restructured loans & leases $3,503
    Total loans and leases (foreign) $0

    First State Community Bank had $2,581,752,000 of loans outstanding in 2021. $2,109,287,000 of loans were in real estate loans. $265,803,000 of loans were in development loans. $79,823,000 of loans were in multifamily mortgage loans. $813,908,000 of loans were in 1-4 family mortgage loans. $26,838,000 of loans were in farm loans. $0 of loans were in credit card loans. $48,919,000 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 1,395 $275,895 $197,774
    Nonfarm, nonresidential loans - <$100k 395 $16,054 $40,643
    Nonfarm, nonresidential loans - $100-250k 461 $58,531 $126,965
    Nonfarm, nonresidential loans - $250k-1MM 539 $201,310 $373,488
    Commercial & Industrial, US addressed loans - <$1MM 1,966 $117,100 $59,563
    Commercial & Industrial, US addressed loans - <$100k 1,475 $36,089 $24,467
    Commercial & Industrial, US addressed loans - $100-250k 329 $33,083 $100,556
    Commercial & Industrial, US addressed loans - $250k-1MM 162 $47,928 $295,852
    Farmland loans - <$1MM 674 $80,490 $119,421
    Farmland loans - <$100k 264 $10,522 $39,856
    Farmland loans - $100-250k 259 $29,753 $114,876
    Farmland loans - $250k-1MM 151 $40,215 $266,325
    Agriculture operations loans - <$1MM 619 $19,468 $31,451
    Agriculture operations loans - <$100k 545 $9,288 $17,042
    Agriculture operations loans - $100-250k 54 $5,778 $107,000
    Agriculture operations loans - $250k-1MM 20 $4,402 $220,100