Leader Bank Mortgage Rates, Fees & Info

Arlington, MA

LEI: 549300FK3AFCFVAPH234

Tax ID: 04-3557920

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
  • 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

    Leader Bank is a small bank specializing in Home Purchase loans. Leader Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Boston, Worcester, Providence, Bridgeport, and Barnstable Town among others. We have data for 59 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Leader Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Leader 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) 6.18% 12/16/24
    30 Year Conventional Purchase 6.12% 12/16/24
    30 Year Conventional Refi 6.24% 12/16/24
    30 Year Cash-out Refi 6.41% 12/16/24
    30 Year FHA Purchase 6.81% 12/16/24
    30 Year FHA Refi 6.27% 12/16/24
    30 Year VA Purchase 5.95% 12/16/24
    30 Year VA Refi 5.62% 12/16/24
    15 Year Conventional Purchase 5.30% 12/16/24
    15 Year Conventional Refi 5.78% 12/16/24
    15 Year Cash-out Refi 5.78% 12/16/24
    15 Year FHA Purchase 5.68% 12/16/24
    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.

    Leader Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Leader 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

    4,674

    Origination Dollar Volume (All Markets)

    $1,911,890,000

    Employee count

    243 Show all (13) 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
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3,686 $1,582,910,000 $429,438 $3,940 4.40%
    WORCESTER, MA-CT (FHA|USDA|VA) 277 $83,795,000 $302,509 $3,416 4.52%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 191 $55,485,000 $290,497 $3,712 4.47%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 96 $52,360,000 $545,417 $5,868 4.33%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 81 $30,335,000 $374,506 $3,748 4.39%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 89 $25,275,000 $283,989 $4,023 4.41%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 41 $11,245,000 $274,268 $3,688 4.44%
    Outside of Metro Areas 29 $10,205,000 $351,897 $3,410 4.44%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $7,345,000 $565,000 $5,510 4.50%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 21 $7,085,000 $337,381 $3,916 4.61%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 12 $4,610,000 $384,167 $4,106 4.59%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 7 $4,215,000 $602,143 $5,800 4.71%
    SPRINGFIELD, MA (FHA|USDA|VA) 18 $3,730,000 $207,222 $4,561 4.41%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 13 $3,335,000 $256,538 $4,179 4.43%
    Lebanon, NH-VT (FHA|USDA|VA) 12 $2,850,000 $237,500 $3,049 4.33%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 9 $2,255,000 $250,556 $3,587 4.46%
    Laconia, NH (FHA|USDA|VA) 8 $1,870,000 $233,750 $3,183 4.52%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $1,825,000 $365,000 $4,559 4.40%
    PITTSFIELD, MA (FHA|USDA|VA) 5 $1,465,000 $293,000 $3,542 4.28%
    Berlin, NH (FHA|USDA|VA) 2 $1,260,000 $630,000 $5,783 4.44%
    Torrington, CT (FHA|USDA|VA) 5 $1,215,000 $243,000 $3,194 4.33%
    Keene, NH (FHA|USDA|VA) 3 $1,045,000 $348,333 $4,783 4.54%
    GLENS FALLS, NY (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $5,502 3.88%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,005,000 $335,000 $4,388 4.67%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $995,000 $995,000 $4,958 4.50%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $905,000 $905,000 $9,212 4.25%
    Concord, NH (FHA|USDA|VA) 4 $830,000 $207,500 $3,113 4.63%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $795,000 $265,000 $3,743 4.54%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $760,000 $380,000 $3,567 4.44%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $685,000 $685,000 $7,072 3.88%
    RICHMOND, VA (FHA|USDA|VA) 1 $645,000 $645,000 $4,596 4.25%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $585,000 $585,000 $3,684 4.63%
    Barre, VT (FHA|USDA|VA) 3 $565,000 $188,333 $3,271 4.58%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $495,000 $495,000 $2,209 4.88%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $490,000 $245,000 $6,206 4.38%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $480,000 $240,000 $3,780 3.81%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $405,000 $405,000 $4,294 4.50%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $370,000 $185,000 $3,789 4.38%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $335,000 $335,000 $4,292 4.25%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $335,000 $335,000 $3,713 4.38%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $315,000 $315,000 $3,610 4.38%
    COLUMBIA, SC (FHA|USDA|VA) 1 $295,000 $295,000 $3,328 4.63%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $295,000 $295,000 $6,489 3.75%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,318 4.88%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $275,000 $275,000 $3,195 4.38%
    WILMINGTON, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,186 4.38%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $4,003 4.75%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,929 3.25%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $265,000 $265,000 $3,070 4.00%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $255,000 $255,000 $3,237 3.88%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $245,000 $245,000 $3,618 4.75%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $225,000 $225,000 $4,302 4.25%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $215,000 $215,000 $2,774 3.38%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $3,892 4.50%
    Rutland, VT (FHA|USDA|VA) 1 $205,000 $205,000 $3,042 4.50%
    Bennington, VT (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.50%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $160,000 $80,000 $3,097 4.13%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.13%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $105,000 $105,000 $3,405 4.38%
    Leader Bank's top markets include Boston, Worcester, Providence, Bridgeport, and Barnstable Town among others.

    Their top states include:
  • Massachusetts (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
  • Rhode Island (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

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

    Westport Federal Credit Union
    Similarity Rank: 23
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    Similarity Rank: 36
    Notre Dame Community Federal Credit Union
    Similarity Rank: 38
    GREYLOCK
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    N C P D Federal Credit Union
    Similarity Rank: 55
    PAWTUCKET
    Similarity Rank: 60
    Bogota Savings Bank
    Similarity Rank: 63
    Union County Savings Bank
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    Bank of Easton
    Similarity Rank: 66
    Stafford Savings Bank
    Similarity Rank: 68

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,105 $1,785,295,000 $434,907 $3,703 4.43%
    HELOC 393 $57,835,000 $147,163 n/a 4.29%
    FHA 109 $42,335,000 $388,394 $10,224 4.24%
    VA 65 $25,945,000 $399,154 $6,726 4.17%
    USDA 2 $480,000 $240,000 $5,154 4.81%

    For 2018, Leader Bank's most frequently originated type of loan was Conventional, with 4,105 originations. Their 2nd most popular type was HELOC, with 393 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,630 $1,541,090,000 $424,543 $4,070 4.44%
    Cash Out Refi 420 $205,050,000 $488,214 $3,399 4.50%
    Refi 281 $106,525,000 $379,093 $3,077 4.19%
    Other 217 $36,155,000 $166,613 $2,503 4.15%
    Home Improvement 126 $23,070,000 $183,095 $3,196 4.24%

    For 2018, Leader Bank's most frequently cited loan purpose was Home Purchase, with 3,630 originations. The 2nd most popular reason was Cash Out Refi, with 420 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,837 $1,639,905,000 $427,392 $4,022 4.44%
    Other 407 $71,695,000 $176,155 $3,365 4.32%
    15 Year 309 $155,595,000 $503,544 $2,887 4.05%
    20 Year 88 $27,770,000 $315,568 $3,175 4.31%
    1 Year 18 $13,430,000 $746,111 $0 6.56%
    10 Year 15 $3,495,000 $233,000 $2,987 4.15%

    For 2018, Leader Bank's most frequently cited loan duration was 30 Year, with 3,837 originations. The 2nd most popular length was Other, with 407 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,648 $874,010,000 $330,064
    $1k-2k 977 $633,985,000 $648,910
    $2k-3k 114 $52,870,000 $463,772
    $5k+ 49 $33,505,000 $683,776
    $3k-4k 43 $23,495,000 $546,395
    $4k-5k 38 $19,740,000 $519,474

    Leader Bank's average total fees were $4,022, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,648 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 3,038 $1,302,080,000 $428,598
    3-4% 1,152 $447,480,000 $388,438
    5-6% 361 $139,575,000 $386,634
    6-7% 100 $21,400,000 $214,000
    <2.5% 19 $165,000 $8,684
    2.5-3% 2 $430,000 $215,000
    7-8% 2 $760,000 $380,000

    During 2018, Leader Bank's average interest rate for loans was 4.44%, while their most frequently originated rate bucket for loans was 4-5%, with 3,038 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,883 $574,755,000 $305,234 $3,559 4.42%
    $400k-600k 1,363 $656,025,000 $481,310 $4,223 4.39%
    $600k-1MM 507 $363,755,000 $717,465 $5,225 4.33%
    $100k-200k 506 $76,810,000 $151,798 $2,802 4.45%
    $100,000 or less 283 $17,275,000 $61,042 $944 4.52%
    $1MM+ 132 $223,270,000 $1,691,439 $6,846 4.35%

    2018 saw Leader Bank place emphasis on $200k-400k loans with 1,883 originations, totaling $574,755,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,410 $596,500,000 $423,050 $3,997 4.42%
    $100k-150k 1,236 $441,280,000 $357,023 $3,936 4.40%
    $250k+ 732 $432,750,000 $591,189 $4,577 4.38%
    $75k-100k 665 $201,455,000 $302,940 $3,630 4.36%
    $50k-75k 478 $120,030,000 $251,109 $3,550 4.35%
    $50k or less 74 $11,940,000 $161,351 $2,920 4.30%

    Leader Bank lent most frequently to those with incomes in the $150k-250k range, with 1,410 originations. The second most popular income band? $100k-150k, with 1,236 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,136 $451,870,000 $397,773 $3,751 4.34%
    30-36% 985 $406,215,000 $412,401 $3,933 4.39%
    <20% 296 $110,710,000 $374,020 $3,533 4.26%
    42% 215 $91,265,000 $424,488 $4,217 4.38%
    38% 209 $82,065,000 $392,656 $3,766 4.43%
    39% 205 $88,055,000 $429,537 $4,171 4.43%
    40% 200 $76,210,000 $381,050 $3,738 4.31%
    36% 185 $72,765,000 $393,324 $3,978 4.45%
    37% 175 $76,755,000 $438,600 $4,070 4.41%
    41% 171 $68,475,000 $400,439 $3,903 4.49%
    43% 153 $50,275,000 $328,595 $3,904 4.48%
    44% 121 $42,085,000 $347,810 $3,976 4.44%
    49% 108 $36,690,000 $339,722 $4,068 4.43%
    47% 101 $33,565,000 $332,327 $4,442 4.43%
    48% 101 $34,905,000 $345,594 $4,142 4.47%
    45% 96 $31,260,000 $325,625 $3,794 4.43%
    46% 94 $32,400,000 $344,681 $4,521 4.40%
    50-60% 30 $11,430,000 $381,000 $7,941 4.34%
    >60% 1 $515,000 $515,000 $13,916 4.25%

    Leader Bank lent most frequently to those with DTI ratios of 20-30%, with 1,136 originations. The next most common DTI ratio? 30-36%, with 985 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,407 $1,335,515,000 $391,991 $3,913 4.40%
    Asian 759 $308,795,000 $406,845 $3,874 4.37%
    Not provided 339 $129,045,000 $380,664 $4,254 4.38%
    Not applicable 76 $106,680,000 $1,403,684 $0 5.73%
    Black 87 $29,615,000 $340,402 $4,383 4.36%
    American Indian 3 $1,345,000 $448,333 $3,909 4.00%
    Asian Indian 2 $510,000 $255,000 $3,409 4.18%
    Japanese 1 $385,000 $385,000 $3,506 4.38%

    Approval Rates

    Total approvals of all applications
    96.69%

    Leader Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    83.59%

    Leader Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,674 $1,911,890,000 $409,048

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 22 $72,420,000 $3,291,818
    Single Family (1-4 Units):Site-Built 4,652 $1,839,470,000 $395,415

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 345 $87,895,000 $254,768 $2,942 4.19%
    40-60% 545 $221,395,000 $406,229 $3,512 4.30%
    60-80% 1,753 $862,205,000 $491,845 $3,955 4.47%
    80-100% 1,666 $704,320,000 $422,761 $4,339 4.42%
    Over 100% 5 $2,295,000 $459,000 $14,513 4.30%
    Under 20% 360 $33,780,000 $93,833 $839 4.50%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Leader Bank, National Association 1201 Massachusetts Avenue Arlington, MA 2476 Full Service B&M $85,790
    Leader Bank, National Association 141 Massachusetts Avenue Arlington, MA 2476 Full Service B&M $297,252
    Leader Bank, National Association 363 Pleasant St Belmont, MA 2478 Full Service B&M $295,600
    Leader Bank, National Association 449 Massachusetts Avenue Arlington, MA 2474 Full Service B&M $58,872
    Leader Bank, National Association 48 Northern Avenue Boston, MA 2210 Full Service Retail $132,218
    Leader Bank, National Association 50 Mall Rd Burlington, MA 1803 Full Service B&M $89,575
    Leader Bank, National Association 675 Massachusetts Avenue Cambridge, MA 2139 Full Service B&M $176,296

    For 2018, Leader Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $58,321
    Net interest income $43,128
    Total noninterest income $23,601
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $357
    Trading account gains and fees $0
    Additional Noninterest Income $23,244
    Pre-tax net operating income $28,071
    Securities gains (or losses, -) $270
    Income before extraordinary items $21,146
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $21,146
    Minority interest net income $0
    Net income $21,146
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $20,932

    Leader Bank's gross interest income from loans was $58,321,000.
    Leader Bank's net interest income from loans was $43,128,000.
    Leader Bank's fee based income from loans was $357,000.
    Leader Bank's net income from loans was $21,146,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $15,193
    Provision for credit losses $3,798
    Total noninterest expense $34,860
    Salaries and employee benefits $23,540
    Premises and equipment expense $3,866
    Additional noninterest expense $7,454
    Applicable income taxes $7,195
    Net charge-offs $2,893
    Cash dividends $2,650

    Leader Bank's interest expense for loans was $15,193,000.
    Leader Bank's payroll and benefits expense were $23,540,000.
    Leader Bank's property, plant and equipment expenses $3,866,000.

    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 3.0%
    Personal loans 21.0%
    Credit card loans 0.0%
    Other individual loans 21.0%
    Auto loans 0.0%
    Other consumer loans 24.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $948,250
    Deposits held in domestic offices $948,250
    Deposits by Individuals, partnerships, and corporations $844,849
    Deposits by U.S. Government $106
    Deposits by States and political subdivisions in the U.S. $96,215
    Deposits by Commercial banks and other depository institutions in U.S. $7,080
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $239,165
    Demand deposits $182,488
    Nontransaction accounts $709,085
    Money market deposit accounts (MMDAs) $277,067
    Other savings deposits (excluding MMDAs) $123,558
    Total time deposits $308,460
    Total time and savings deposits $765,762
    Noninterest-bearing deposits $182,488
    Interest-bearing deposits $765,762
    Retail deposits $765,156
    IRAs and Keogh plan accounts $14,360
    Brokered deposits $96,396
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,348,132
    Cash & Balances due from depository institutions $30,783
    Interest-bearing balances $18,664
    Total securities $53,719
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,219,798
    Loan and leases loss allowance $9,660
    Trading account assets $0
    Bank premises and fixed assets $16,554
    Other real estate owned $0
    Goodwill and other intangibles $4,258
    All other assets $23,020

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,348,132
    Total Liabilities $1,189,641
    Total deposits $948,250
    Interest-bearing deposits $765,762
    Deposits held in domestic offices $948,250
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $234,679
    Subordinated debt $0
    All other liabilities $6,712

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,219,798
    Loan and leases loss allowance $9,660
    Total loans and leases (domestic) $1,229,458
    All real estate loans $1,194,488
    Real estate loans in domestic offices $1,194,488
    Construction and development loans $30,359
    Residential 1-4 family construction $19,835
    Other construction, all land development and other land $10,524
    Loans secured by nonfarm nonresidential properties $362,611
    Nonfarm nonresidential secured by owner-occupied properties $83,901
    Commercial real estate & other non-farm, non-residential $278,710
    Multifamily residential real estate $176,162
    1-4 family residential loans $625,356
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $34,575
    To non-U.S. addressees $0
    Loans to individuals $360
    Credit card loans $0
    Related Plans $6
    Consumer Auto Loans $36
    Other loans to individuals $318
    All other loans & leases $35
    Loans to foreign governments and official institutions $0
    Other loans $35
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,831
    Non 1-4 family restructured loans & leases $4,874
    Total loans and leases (foreign) $0

    Leader Bank had $1,219,798,000 of loans outstanding in 2018. $1,194,488,000 of loans were in real estate loans. $30,359,000 of loans were in development loans. $176,162,000 of loans were in multifamily mortgage loans. $625,356,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $36,000 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 231 $82,822 $358,537
    Nonfarm, nonresidential loans - <$100k 10 $709 $70,900
    Nonfarm, nonresidential loans - $100-250k 59 $9,018 $152,847
    Nonfarm, nonresidential loans - $250k-1MM 162 $73,095 $451,204
    Commercial & Industrial, US addressed loans - <$1MM 304 $23,430 $77,072
    Commercial & Industrial, US addressed loans - <$100k 199 $3,315 $16,658
    Commercial & Industrial, US addressed loans - $100-250k 54 $4,182 $77,444
    Commercial & Industrial, US addressed loans - $250k-1MM 51 $15,933 $312,412