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 Refi and 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.) Their top markets by origination volume include: Boston, Worcester, Providence, Barnstable Town, and Hartford among others. We have data for 71 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% 4/22/24
30 Year Conventional Purchase 6.12% 4/22/24
30 Year Conventional Refi 6.24% 4/22/24
30 Year Cash-out Refi 6.41% 4/22/24
30 Year FHA Purchase 6.81% 4/22/24
30 Year FHA Refi 6.27% 4/22/24
30 Year VA Purchase 5.95% 4/22/24
30 Year VA Refi 5.62% 4/22/24
15 Year Conventional Purchase 5.30% 4/22/24
15 Year Conventional Refi 5.78% 4/22/24
15 Year Cash-out Refi 5.78% 4/22/24
15 Year FHA Purchase 5.68% 4/22/24
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.

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

13,608

Origination Dollar Volume (All Markets)

$5,796,540,000

Employee count

316 Show all (22) 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) 11,018 $4,908,360,000 $445,486 $3,207 3.04%
WORCESTER, MA-CT (FHA|USDA|VA) 685 $235,335,000 $343,555 $2,996 3.01%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 526 $176,710,000 $335,951 $3,113 3.02%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 381 $145,605,000 $382,165 $3,199 2.94%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 289 $87,005,000 $301,055 $3,356 2.93%
Outside of Metro Areas 86 $30,000,000 $348,837 $3,597 2.80%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 94 $29,300,000 $311,702 $2,841 2.96%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 83 $27,425,000 $330,422 $3,127 2.90%
SPRINGFIELD, MA (FHA|USDA|VA) 64 $18,450,000 $288,281 $3,115 2.98%
Lebanon, NH-VT (FHA|USDA|VA) 60 $17,800,000 $296,667 $3,448 2.83%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 19 $10,875,000 $572,368 $5,214 3.24%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 24 $10,480,000 $436,667 $4,239 2.96%
Laconia, NH (FHA|USDA|VA) 19 $7,095,000 $373,421 $3,451 2.87%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 16 $7,050,000 $440,625 $3,719 3.35%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 14 $6,090,000 $435,000 $4,804 3.03%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 12 $5,720,000 $476,667 $4,462 3.13%
Vineyard Haven, MA (FHA|USDA|VA) 10 $5,670,000 $567,000 $3,810 3.14%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 18 $5,550,000 $308,333 $3,478 2.83%
Concord, NH (FHA|USDA|VA) 18 $5,300,000 $294,444 $3,050 2.74%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $4,915,000 $378,077 $4,347 2.72%
PITTSFIELD, MA (FHA|USDA|VA) 15 $4,035,000 $269,000 $3,682 2.98%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 10 $3,820,000 $382,000 $3,397 2.99%
Torrington, CT (FHA|USDA|VA) 11 $3,395,000 $308,636 $4,145 2.98%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 10 $3,140,000 $314,000 $4,109 2.60%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $3,000,000 $500,000 $9,151 3.04%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 7 $2,435,000 $347,857 $3,163 2.89%
Bennington, VT (FHA|USDA|VA) 6 $2,330,000 $388,333 $4,704 2.54%
Barre, VT (FHA|USDA|VA) 7 $2,275,000 $325,000 $4,006 2.45%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $2,245,000 $449,000 $4,459 2.95%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $1,935,000 $387,000 $3,596 3.03%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $1,805,000 $361,000 $4,395 2.98%
Keene, NH (FHA|USDA|VA) 7 $1,775,000 $253,571 $2,981 2.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,645,000 $329,000 $3,192 3.43%
Augusta-Waterville, ME (FHA|USDA|VA) 6 $1,430,000 $238,333 $3,636 2.65%
Rutland, VT (FHA|USDA|VA) 5 $1,405,000 $281,000 $4,017 2.58%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,175,000 $391,667 $3,662 3.08%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,060,000 $265,000 $3,542 2.97%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $980,000 $490,000 $4,662 2.50%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $965,000 $965,000 $6,675 2.88%
WILMINGTON, NC (FHA|USDA|VA) 2 $910,000 $455,000 $5,388 3.50%
Berlin, NH (FHA|USDA|VA) 2 $700,000 $350,000 $3,541 3.13%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $600,000 $300,000 $2,107 3.94%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $595,000 $595,000 $4,289 2.75%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $565,000 $188,333 $3,060 3.29%
BOULDER, CO (FHA|USDA|VA) 1 $495,000 $495,000 $2,648 3.38%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $485,000 $485,000 $5,721 3.75%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $455,000 $455,000 $2,967 3.13%
THE VILLAGES, FL (FHA|USDA|VA) 2 $420,000 $210,000 $3,784 3.25%
COLUMBIA, SC (FHA|USDA|VA) 2 $410,000 $205,000 $0 3.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $385,000 $385,000 $5,161 2.50%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $375,000 $375,000 $4,389 3.38%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $365,000 $365,000 $2,878 3.50%
RENO, NV (FHA|USDA|VA) 1 $355,000 $355,000 $3,672 3.75%
SYRACUSE, NY (FHA|USDA|VA) 1 $315,000 $315,000 $4,255 2.38%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $305,000 $305,000 $3,698 3.38%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $295,000 $295,000 $4,424 3.38%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.63%
FORT COLLINS, CO (FHA|USDA|VA) 1 $255,000 $255,000 $3,822 3.38%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,988 3.38%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $3,807 3.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $215,000 $215,000 $2,925 3.38%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $205,000 $205,000 $3,186 2.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $185,000 $185,000 $4,323 3.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $175,000 $175,000 $4,058 3.38%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $145,000 $145,000 $2,090 2.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,018 3.63%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.88%
ROME, GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,795 3.50%
Leader Bank's top markets include Boston, Worcester, Providence, Barnstable Town, and Hartford among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 13,203 $5,700,285,000 $431,742 $3,164 3.02%
    HELOC 274 $35,400,000 $129,197 n/a 3.33%
    VA 76 $33,470,000 $440,395 $4,995 3.01%
    FHA 55 $27,385,000 $497,909 $12,171 3.01%

    For 2020, Leader Bank's most frequently originated type of loan was Conventional, with 13,203 originations. Their 2nd most popular type was HELOC, with 274 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 7,337 $2,880,155,000 $392,552 $2,776 3.08%
    Home Purchase 4,637 $2,231,025,000 $481,135 $4,027 2.88%
    Cash Out Refi 1,503 $657,775,000 $437,641 $2,917 3.22%
    Other 85 $18,135,000 $213,353 $2,569 3.42%
    Home Improvement 46 $9,450,000 $205,435 $2,680 3.45%

    For 2020, Leader Bank's most frequently cited loan purpose was Refi, with 7,337 originations. The 2nd most popular reason was Home Purchase, with 4,637 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 10,656 $4,704,050,000 $441,446 $3,325 3.05%
    15 Year 1,423 $488,415,000 $343,229 $2,749 2.73%
    20 Year 749 $273,565,000 $365,240 $2,771 3.06%
    Other 711 $212,125,000 $298,347 $2,700 3.18%
    10 Year 55 $108,885,000 $1,979,727 $2,549 2.82%
    1 Year 12 $6,540,000 $545,000 $0 5.50%
    30+ year 2 $2,960,000 $1,480,000 $19,315 5.25%

    For 2020, Leader Bank's most frequently cited loan duration was 30 Year, with 10,656 originations. The 2nd most popular length was 15 Year, with 1,423 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 11,946 $5,138,110,000 $430,111
    $<1k 515 $148,985,000 $289,291
    $2k-3k 106 $52,040,000 $490,943
    $3k-4k 39 $20,185,000 $517,564
    $5k+ 31 $23,815,000 $768,226
    $4k-5k 19 $9,955,000 $523,947

    Leader Bank's average total fees were $3,325, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 11,946 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 6,058 $2,542,710,000 $419,728
    3-4% 5,381 $2,340,185,000 $434,898
    <2.5% 1,856 $809,430,000 $436,115
    4-5% 277 $94,535,000 $341,282
    6-7% 21 $3,725,000 $177,381
    5-6% 15 $5,955,000 $397,000

    During 2020, Leader Bank's average interest rate for loans was 3.05%, while their most frequently originated rate bucket for loans was 2.5-3%, with 6,058 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,777 $1,820,815,000 $315,183 $2,862 3.00%
    $400k-600k 5,228 $2,505,650,000 $479,275 $3,315 3.01%
    $600k-1MM 1,277 $907,795,000 $710,881 $4,468 3.07%
    $100k-200k 826 $131,070,000 $158,680 $2,539 3.04%
    $100,000 or less 256 $14,920,000 $58,281 $594 3.66%
    $1MM+ 244 $416,290,000 $1,706,107 $5,971 3.19%

    2020 saw Leader Bank place emphasis on $200k-400k loans with 5,777 originations, totaling $1,820,815,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 4,744 $2,066,650,000 $435,634 $3,217 3.05%
    $100k-150k 3,906 $1,512,890,000 $387,325 $3,105 3.01%
    $250k+ 2,391 $1,287,415,000 $538,442 $3,627 3.06%
    $75k-100k 1,597 $537,375,000 $336,490 $3,057 2.97%
    $50k-75k 769 $206,975,000 $269,148 $2,980 2.92%
    $50k or less 110 $21,280,000 $193,455 $2,756 2.95%

    Leader Bank lent most frequently to those with incomes in the $150k-250k range, with 4,744 originations. The second most popular income band? $100k-150k, with 3,906 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 4,643 $1,942,475,000 $418,366 $3,122 3.01%
    30-36% 2,759 $1,188,785,000 $430,875 $3,262 3.02%
    <20% 2,035 $785,205,000 $385,850 $2,990 2.96%
    37% 450 $192,520,000 $427,822 $3,295 3.06%
    36% 448 $196,070,000 $437,656 $3,349 3.06%
    38% 421 $184,565,000 $438,397 $3,395 3.06%
    40% 420 $183,930,000 $437,929 $3,525 3.08%
    39% 393 $167,435,000 $426,043 $3,276 3.06%
    42% 361 $149,235,000 $413,393 $3,390 3.02%
    41% 360 $149,190,000 $414,417 $3,403 3.08%
    44% 268 $107,680,000 $401,791 $3,485 3.00%
    43% 261 $103,045,000 $394,808 $3,436 3.06%
    45% 189 $76,025,000 $402,249 $3,231 3.05%
    46% 154 $63,210,000 $410,455 $3,485 3.16%
    47% 130 $50,340,000 $387,231 $3,808 3.16%
    48% 103 $38,475,000 $373,544 $3,534 3.04%
    49% 94 $38,280,000 $407,234 $3,617 3.08%
    50-60% 6 $2,590,000 $431,667 $3,846 3.31%
    >60% 3 $2,125,000 $708,333 $3,891 3.29%

    Leader Bank lent most frequently to those with DTI ratios of 20-30%, with 4,643 originations. The next most common DTI ratio? 30-36%, with 2,759 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10,313 $4,244,835,000 $411,600 $3,178 3.04%
    Asian 1,872 $811,750,000 $433,627 $3,293 2.96%
    Not provided 1,176 $515,000,000 $437,925 $3,333 2.99%
    Not applicable 90 $160,950,000 $1,788,333 $0 4.03%
    Black 145 $59,395,000 $409,621 $3,753 3.03%
    American Indian 9 $3,785,000 $420,556 $5,091 3.14%
    Native Hawaiian or Islander 3 $825,000 $275,000 $4,347 3.13%

    Approval Rates

    Total approvals of all applications
    98.09%

    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
    89.96%

    Leader Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 13,608 $5,796,540,000 $425,966

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 38 $134,190,000 $3,531,316
    Single Family (1-4 Units):Site-Built 13,570 $5,662,350,000 $417,270

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,019 $317,225,000 $311,310 $2,741 2.95%
    40-60% 3,341 $1,325,215,000 $396,652 $2,851 2.96%
    60-80% 5,954 $2,748,490,000 $461,621 $3,206 3.08%
    80-100% 2,901 $1,357,045,000 $467,785 $3,879 2.96%
    Over 100% 7 $2,935,000 $419,286 $15,489 3.18%
    Under 20% 386 $45,630,000 $118,212 $1,058 3.57%

    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 $123,646
    Leader Bank, National Association 141 Massachusetts Avenue Arlington, MA 2476 Full Service B&M $553,845
    Leader Bank, National Association 363 Pleasant St Belmont, MA 2478 Full Service B&M $200,398
    Leader Bank, National Association 449 Massachusetts Avenue Arlington, MA 2474 Full Service B&M $72,012
    Leader Bank, National Association 48 Northern Avenue Boston, MA 2210 Full Service Retail $305,713
    Leader Bank, National Association 50 Mall Rd Burlington, MA 1803 Full Service B&M $141,728
    Leader Bank, National Association 675 Massachusetts Avenue Cambridge, MA 2139 Full Service B&M $214,940

    For 2020, Leader Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $69,095
    Net interest income $52,006
    Total noninterest income $105,261
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $285
    Trading account gains and fees $0
    Additional Noninterest Income $104,976
    Pre-tax net operating income $95,996
    Securities gains (or losses, -) $3,181
    Income before extraordinary items $72,056
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $72,056
    Minority interest net income $0
    Net income $72,056
    Sale, conversion, retirement of capital stock, net $71,600
    Net operating income $69,543

    Leader Bank's gross interest income from loans was $69,095,000.
    Leader Bank's net interest income from loans was $52,006,000.
    Leader Bank's fee based income from loans was $285,000.
    Leader Bank's net income from loans was $72,056,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $17,089
    Provision for credit losses $9,545
    Total noninterest expense $51,726
    Salaries and employee benefits $35,263
    Premises and equipment expense $4,128
    Additional noninterest expense $12,335
    Applicable income taxes $27,121
    Net charge-offs $3,682
    Cash dividends $19,100

    Leader Bank's interest expense for loans was $17,089,000.
    Leader Bank's payroll and benefits expense were $35,263,000.
    Leader Bank's property, plant and equipment expenses $4,128,000.

    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 $1,739,887
    Deposits held in domestic offices $1,739,887
    Deposits by Individuals, partnerships, and corporations $1,431,059
    Deposits by U.S. Government $130
    Deposits by States and political subdivisions in the U.S. $285,241
    Deposits by Commercial banks and other depository institutions in U.S. $23,457
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $525,322
    Demand deposits $337,180
    Nontransaction accounts $1,214,565
    Money market deposit accounts (MMDAs) $716,794
    Other savings deposits (excluding MMDAs) $238,654
    Total time deposits $259,117
    Total time and savings deposits $1,402,707
    Noninterest-bearing deposits $525,322
    Interest-bearing deposits $1,214,565
    Retail deposits $1,585,945
    IRAs and Keogh plan accounts $12,515
    Brokered deposits $61,206
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,177,734
    Cash & Balances due from depository institutions $247,927
    Interest-bearing balances $232,448
    Total securities $126,537
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,724,229
    Loan and leases loss allowance $17,479
    Trading account assets $0
    Bank premises and fixed assets $15,176
    Other real estate owned $0
    Goodwill and other intangibles $19,132
    All other assets $44,733

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,177,734
    Total Liabilities $1,872,155
    Total deposits $1,739,887
    Interest-bearing deposits $1,214,565
    Deposits held in domestic offices $1,739,887
    % insured (estimated) $45
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $96,464
    Subordinated debt $0
    All other liabilities $35,804

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,724,229
    Loan and leases loss allowance $17,479
    Total loans and leases (domestic) $1,741,708
    All real estate loans $1,626,303
    Real estate loans in domestic offices $1,626,303
    Construction and development loans $42,570
    Residential 1-4 family construction $20,476
    Other construction, all land development and other land $22,094
    Loans secured by nonfarm nonresidential properties $430,542
    Nonfarm nonresidential secured by owner-occupied properties $95,030
    Commercial real estate & other non-farm, non-residential $335,512
    Multifamily residential real estate $195,121
    1-4 family residential loans $958,070
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $115,111
    To non-U.S. addressees $0
    Loans to individuals $239
    Credit card loans $0
    Related Plans $2
    Consumer Auto Loans $55
    Other loans to individuals $182
    All other loans & leases $55
    Loans to foreign governments and official institutions $0
    Other loans $55
    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 $684
    Non 1-4 family restructured loans & leases $415
    Total loans and leases (foreign) $0

    Leader Bank had $1,724,229,000 of loans outstanding in 2020. $1,626,303,000 of loans were in real estate loans. $42,570,000 of loans were in development loans. $195,121,000 of loans were in multifamily mortgage loans. $958,070,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $55,000 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 238 $84,311 $354,248
    Nonfarm, nonresidential loans - <$100k 15 $889 $59,267
    Nonfarm, nonresidential loans - $100-250k 51 $7,189 $140,961
    Nonfarm, nonresidential loans - $250k-1MM 172 $76,233 $443,215
    Commercial & Industrial, US addressed loans - <$1MM 1,562 $91,254 $58,421
    Commercial & Industrial, US addressed loans - <$100k 1,219 $27,998 $22,968
    Commercial & Industrial, US addressed loans - $100-250k 209 $21,729 $103,967
    Commercial & Industrial, US addressed loans - $250k-1MM 134 $41,527 $309,903