Leader Bank Mortgage Rates, Fees & Info

Arlington, MA

LEI: 549300FK3AFCFVAPH234

Tax ID: 04-3557920

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Mortgage Data

Bank Data

Review & Overview

Leader Bank is a mid-sized bank specializing in Home Purchase and Refi 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.) Their top markets by origination volume include: Boston, Worcester, Providence, Barnstable Town, and Bridgeport among others. We have data for 73 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

6,847

Origination Dollar Volume (All Markets)

$3,010,425,000

Employee count

243 Show all (16) 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) 5,515 $2,549,685,000 $462,318 $3,606 3.93%
WORCESTER, MA-CT (FHA|USDA|VA) 360 $122,700,000 $340,833 $3,333 3.96%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 268 $89,440,000 $333,731 $3,699 3.98%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 162 $62,420,000 $385,309 $3,376 3.89%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 59 $35,375,000 $599,576 $4,977 3.78%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 118 $32,590,000 $276,186 $3,902 3.81%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 64 $19,080,000 $298,125 $3,226 3.90%
Outside of Metro Areas 41 $13,755,000 $335,488 $3,138 3.81%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 29 $11,455,000 $395,000 $3,289 3.96%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 15 $6,905,000 $460,333 $4,969 4.10%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 17 $5,995,000 $352,647 $4,259 3.85%
SPRINGFIELD, MA (FHA|USDA|VA) 25 $5,625,000 $225,000 $3,139 4.10%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 13 $5,065,000 $389,615 $4,244 4.05%
Lebanon, NH-VT (FHA|USDA|VA) 20 $4,460,000 $223,000 $3,128 3.83%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 9 $3,305,000 $367,222 $4,651 3.83%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 11 $3,175,000 $288,636 $3,326 3.70%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 7 $2,915,000 $416,429 $3,684 3.96%
Concord, NH (FHA|USDA|VA) 9 $2,735,000 $303,889 $2,912 3.71%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $2,285,000 $761,667 $7,243 3.83%
Laconia, NH (FHA|USDA|VA) 6 $2,270,000 $378,333 $3,347 3.79%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,780,000 $445,000 $4,969 3.56%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $1,660,000 $276,667 $4,397 4.13%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $1,545,000 $515,000 $3,918 3.75%
Keene, NH (FHA|USDA|VA) 4 $1,490,000 $372,500 $3,264 4.19%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,365,000 $273,000 $3,701 3.90%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $1,160,000 $193,333 $3,351 3.96%
Vineyard Haven, MA (FHA|USDA|VA) 2 $990,000 $495,000 $4,893 3.81%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $970,000 $485,000 $4,712 3.44%
PITTSFIELD, MA (FHA|USDA|VA) 4 $940,000 $235,000 $3,269 4.09%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $915,000 $305,000 $3,686 4.04%
Torrington, CT (FHA|USDA|VA) 3 $825,000 $275,000 $3,175 4.00%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $790,000 $395,000 $3,616 3.75%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $730,000 $365,000 $4,943 4.19%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $695,000 $231,667 $4,134 4.54%
THE VILLAGES, FL (FHA|USDA|VA) 2 $680,000 $340,000 $5,219 4.00%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $660,000 $330,000 $4,328 4.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $585,000 $585,000 $4,076 3.88%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $575,000 $575,000 $6,088 3.25%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $545,000 $181,667 $2,865 3.54%
GLENS FALLS, NY (FHA|USDA|VA) 1 $545,000 $545,000 $5,602 3.13%
BOULDER, CO (FHA|USDA|VA) 1 $505,000 $505,000 $8,831 4.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $470,000 $235,000 $8,117 4.00%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $465,000 $465,000 $6,080 4.00%
Barre, VT (FHA|USDA|VA) 2 $460,000 $230,000 $3,317 3.69%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $445,000 $445,000 $6,076 3.63%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $445,000 $445,000 $3,321 3.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $425,000 $425,000 $3,563 3.88%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $420,000 $210,000 $2,478 3.69%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $410,000 $205,000 $3,968 4.00%
Edwards, CO (FHA|USDA|VA) 1 $405,000 $405,000 $2,971 3.63%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $365,000 $365,000 $0 4.13%
FORT COLLINS, CO (FHA|USDA|VA) 1 $315,000 $315,000 $2,981 3.88%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $305,000 $305,000 $2,363 3.38%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $305,000 $305,000 $2,646 3.50%
TUCSON, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $4,773 3.88%
LANCASTER, PA (FHA|USDA|VA) 1 $275,000 $275,000 $4,300 3.38%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $275,000 $275,000 $6,607 4.63%
ROCHESTER, NY (FHA|USDA|VA) 1 $275,000 $275,000 $3,890 4.13%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $275,000 $275,000 $4,474 3.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $255,000 $255,000 $4,176 3.38%
ASHEVILLE, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,821 3.63%
FLORENCE, SC (FHA|USDA|VA) 1 $225,000 $225,000 $3,760 4.63%
Breckenridge, CO (FHA|USDA|VA) 1 $225,000 $225,000 $2,821 3.63%
Berlin, NH (FHA|USDA|VA) 1 $215,000 $215,000 $2,990 3.50%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $215,000 $215,000 $7,328 4.50%
PITTSBURGH, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,622 4.50%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $2,680 4.63%
Greeneville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $3,024 4.13%
TULSA, OK (FHA|USDA|VA) 1 $165,000 $165,000 $4,096 4.13%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $155,000 $155,000 $3,191 3.50%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $145,000 $145,000 $2,852 4.25%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $115,000 $115,000 $3,653 3.63%
Bennington, VT (FHA|USDA|VA) 1 $105,000 $105,000 $2,717 4.88%
Leader Bank's top markets include Boston, Worcester, Providence, Barnstable Town, and Bridgeport among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,347 $2,877,425,000 $453,352 $3,439 3.91%
    HELOC 295 $48,445,000 $164,220 n/a 4.41%
    FHA 120 $48,940,000 $407,833 $10,434 3.68%
    VA 85 $35,615,000 $419,000 $5,724 3.55%

    For 2019, Leader Bank's most frequently originated type of loan was Conventional, with 6,347 originations. Their 2nd most popular type was HELOC, with 295 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,602 $1,608,530,000 $446,566 $4,142 3.98%
    Refi 2,257 $1,028,395,000 $455,647 $2,951 3.78%
    Cash Out Refi 780 $334,640,000 $429,026 $3,180 3.99%
    Other 155 $28,455,000 $183,581 $2,848 4.26%
    Home Improvement 53 $10,405,000 $196,321 $2,231 4.41%

    For 2019, Leader Bank's most frequently cited loan purpose was Home Purchase, with 3,602 originations. The 2nd most popular reason was Refi, with 2,257 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,788 $2,610,670,000 $451,049 $3,676 3.92%
    15 Year 464 $191,250,000 $412,177 $2,941 3.69%
    Other 365 $78,065,000 $213,877 $2,754 4.30%
    20 Year 183 $73,105,000 $399,481 $3,110 3.63%
    1 Year 23 $16,165,000 $702,826 $0 6.55%
    10 Year 20 $38,840,000 $1,942,000 $2,670 3.56%
    30+ year 3 $2,255,000 $751,667 $12,060 4.83%
    5 Year 1 $75,000 $75,000 $0 7.50%

    For 2019, Leader Bank's most frequently cited loan duration was 30 Year, with 5,788 originations. The 2nd most popular length was 15 Year, with 464 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,315 $1,542,405,000 $357,452
    $1k-2k 1,536 $1,057,120,000 $688,229
    $2k-3k 128 $67,650,000 $528,516
    $5k+ 43 $27,475,000 $638,953
    $3k-4k 41 $22,605,000 $551,341
    $4k-5k 25 $14,635,000 $585,400

    Leader Bank's average total fees were $3,676, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,315 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 4,889 $2,168,335,000 $443,513
    4-5% 1,652 $708,310,000 $428,759
    5-6% 108 $50,800,000 $470,370
    6-7% 101 $17,945,000 $177,673
    2.5-3% 81 $60,905,000 $751,914
    <2.5% 9 $325,000 $36,111
    7-8% 7 $3,805,000 $543,571

    During 2019, Leader Bank's average interest rate for loans was 3.92%, while their most frequently originated rate bucket for loans was 3-4%, with 4,889 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,714 $851,400,000 $313,707 $3,215 3.89%
    $400k-600k 2,398 $1,146,900,000 $478,274 $3,639 3.88%
    $600k-1MM 903 $657,045,000 $727,625 $4,700 3.90%
    $100k-200k 475 $72,245,000 $152,095 $2,832 4.11%
    $100,000 or less 182 $11,600,000 $63,736 $1,243 4.75%
    $1MM+ 175 $271,235,000 $1,549,914 $5,999 3.85%

    2019 saw Leader Bank place emphasis on $200k-400k loans with 2,714 originations, totaling $851,400,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 2,154 $978,600,000 $454,318 $3,597 3.92%
    $100k-150k 1,935 $753,145,000 $389,222 $3,515 3.91%
    $250k+ 1,205 $734,865,000 $609,846 $4,194 3.90%
    $75k-100k 872 $289,940,000 $332,500 $3,320 3.86%
    $50k-75k 491 $131,215,000 $267,240 $3,357 3.89%
    $50k or less 89 $16,515,000 $185,562 $3,233 4.01%

    Leader Bank lent most frequently to those with incomes in the $150k-250k range, with 2,154 originations. The second most popular income band? $100k-150k, with 1,935 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,871 $830,185,000 $443,712 $3,423 3.85%
    30-36% 1,575 $689,975,000 $438,079 $3,552 3.92%
    <20% 534 $222,010,000 $415,749 $3,293 3.78%
    38% 279 $121,855,000 $436,756 $3,691 3.94%
    36% 276 $121,970,000 $441,920 $3,652 4.00%
    41% 254 $103,730,000 $408,386 $3,603 3.90%
    37% 254 $118,770,000 $467,598 $3,827 3.94%
    39% 244 $107,820,000 $441,885 $3,785 3.93%
    40% 237 $104,055,000 $439,051 $3,710 3.95%
    42% 228 $100,850,000 $442,325 $3,956 4.01%
    43% 174 $66,000,000 $379,310 $3,461 3.93%
    44% 166 $61,270,000 $369,096 $3,493 3.94%
    45% 147 $57,845,000 $393,503 $3,742 3.99%
    49% 129 $47,905,000 $371,357 $4,377 3.89%
    46% 125 $49,925,000 $399,400 $4,155 3.95%
    48% 111 $42,125,000 $379,505 $3,919 4.00%
    47% 107 $41,705,000 $389,766 $3,828 3.94%
    50-60% 27 $11,455,000 $424,259 $9,624 3.76%

    Leader Bank lent most frequently to those with DTI ratios of 20-30%, with 1,871 originations. The next most common DTI ratio? 30-36%, with 1,575 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,139 $2,202,885,000 $428,660 $3,584 3.91%
    Asian 947 $418,325,000 $441,737 $3,575 3.89%
    Not provided 571 $247,195,000 $432,916 $3,740 3.90%
    Not applicable 96 $104,460,000 $1,088,125 $0 5.28%
    Black 84 $33,750,000 $401,786 $4,599 3.92%
    American Indian 6 $2,280,000 $380,000 $4,220 3.69%
    Native Hawaiian or Islander 3 $1,055,000 $351,667 $2,786 4.25%
    Other Asian 1 $475,000 $475,000 $3,176 4.05%

    Approval Rates

    Total approvals of all applications
    98.01%

    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
    87.26%

    Leader Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,847 $3,010,425,000 $439,671

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 35 $68,485,000 $1,956,714
    Single Family (1-4 Units):Manufactured 1 $285,000 $285,000
    Single Family (1-4 Units):Site-Built 6,811 $2,941,655,000 $431,898

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 398 $138,180,000 $347,186 $3,007 3.88%
    40-60% 1,001 $420,005,000 $419,585 $3,125 3.79%
    60-80% 2,940 $1,424,990,000 $484,690 $3,477 3.92%
    80-100% 2,235 $993,575,000 $444,553 $4,096 3.92%
    Over 100% 8 $3,210,000 $401,250 $11,076 3.72%
    Under 20% 265 $30,465,000 $114,962 $1,378 4.62%

    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 $98,183
    Leader Bank, National Association 141 Massachusetts Avenue Arlington, MA 2476 Full Service B&M $336,318
    Leader Bank, National Association 363 Pleasant St Belmont, MA 2478 Full Service B&M $205,785
    Leader Bank, National Association 4 Hill Road Belmont, MA 2478 Full Service B&M $0
    Leader Bank, National Association 449 Massachusetts Avenue Arlington, MA 2474 Full Service B&M $63,751
    Leader Bank, National Association 48 Northern Avenue Boston, MA 2210 Full Service Retail $170,145
    Leader Bank, National Association 50 Mall Rd Burlington, MA 1803 Full Service B&M $112,925
    Leader Bank, National Association 675 Massachusetts Avenue Cambridge, MA 2139 Full Service B&M $175,151

    For 2019, Leader Bank had 8 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $65,285
    Net interest income $44,827
    Total noninterest income $31,537
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $422
    Trading account gains and fees $0
    Additional Noninterest Income $31,115
    Pre-tax net operating income $37,856
    Securities gains (or losses, -) $1,339
    Income before extraordinary items $28,935
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $28,935
    Minority interest net income $0
    Net income $28,935
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $27,877

    Leader Bank's gross interest income from loans was $65,285,000.
    Leader Bank's net interest income from loans was $44,827,000.
    Leader Bank's fee based income from loans was $422,000.
    Leader Bank's net income from loans was $28,935,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $20,458
    Provision for credit losses $2,637
    Total noninterest expense $35,871
    Salaries and employee benefits $24,246
    Premises and equipment expense $4,100
    Additional noninterest expense $7,525
    Applicable income taxes $10,260
    Net charge-offs $681
    Cash dividends $4,800

    Leader Bank's interest expense for loans was $20,458,000.
    Leader Bank's payroll and benefits expense were $24,246,000.
    Leader Bank's property, plant and equipment expenses $4,100,000.

    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 15.0%
    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 $1,184,013
    Deposits held in domestic offices $1,184,013
    Deposits by Individuals, partnerships, and corporations $1,033,465
    Deposits by U.S. Government $95
    Deposits by States and political subdivisions in the U.S. $140,708
    Deposits by Commercial banks and other depository institutions in U.S. $9,745
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $348,783
    Demand deposits $241,668
    Nontransaction accounts $835,230
    Money market deposit accounts (MMDAs) $342,708
    Other savings deposits (excluding MMDAs) $167,170
    Total time deposits $325,352
    Total time and savings deposits $942,345
    Noninterest-bearing deposits $348,783
    Interest-bearing deposits $835,230
    Retail deposits $1,003,953
    IRAs and Keogh plan accounts $15,162
    Brokered deposits $58,262
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,583,299
    Cash & Balances due from depository institutions $53,600
    Interest-bearing balances $41,975
    Total securities $71,483
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,410,869
    Loan and leases loss allowance $11,616
    Trading account assets $0
    Bank premises and fixed assets $15,801
    Other real estate owned $0
    Goodwill and other intangibles $3,333
    All other assets $28,213

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,583,299
    Total Liabilities $1,402,895
    Total deposits $1,184,013
    Interest-bearing deposits $835,230
    Deposits held in domestic offices $1,184,013
    % insured (estimated) $55
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $206,709
    Subordinated debt $0
    All other liabilities $12,173

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,410,869
    Loan and leases loss allowance $11,616
    Total loans and leases (domestic) $1,422,485
    All real estate loans $1,399,845
    Real estate loans in domestic offices $1,399,845
    Construction and development loans $38,892
    Residential 1-4 family construction $18,198
    Other construction, all land development and other land $20,694
    Loans secured by nonfarm nonresidential properties $376,999
    Nonfarm nonresidential secured by owner-occupied properties $91,961
    Commercial real estate & other non-farm, non-residential $285,038
    Multifamily residential real estate $187,787
    1-4 family residential loans $796,167
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $22,276
    To non-U.S. addressees $0
    Loans to individuals $319
    Credit card loans $0
    Related Plans $3
    Consumer Auto Loans $20
    Other loans to individuals $296
    All other loans & leases $45
    Loans to foreign governments and official institutions $0
    Other loans $45
    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 $4,255
    Non 1-4 family restructured loans & leases $3,597
    Total loans and leases (foreign) $0

    Leader Bank had $1,410,869,000 of loans outstanding in 2019. $1,399,845,000 of loans were in real estate loans. $38,892,000 of loans were in development loans. $187,787,000 of loans were in multifamily mortgage loans. $796,167,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $20,000 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 245 $89,048 $363,461
    Nonfarm, nonresidential loans - <$100k 12 $802 $66,833
    Nonfarm, nonresidential loans - $100-250k 57 $8,486 $148,877
    Nonfarm, nonresidential loans - $250k-1MM 176 $79,760 $453,182
    Commercial & Industrial, US addressed loans - <$1MM 375 $20,180 $53,813
    Commercial & Industrial, US addressed loans - <$100k 228 $2,844 $12,474
    Commercial & Industrial, US addressed loans - $100-250k 86 $4,449 $51,733
    Commercial & Industrial, US addressed loans - $250k-1MM 61 $12,887 $211,262