Central Bank Of The Midwest Mortgage Rates, Fees & Info

Lee's Summit, MO

LEI: 549300GTU4DSS0S14C42

Tax ID: 43-1365233

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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

    Central Bank Of The Midwest is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Central Bank Of The Midwest 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: Kansas City, Lawrence, St. Joseph, Warrensburg, and Key West among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Central Bank Of The Midwest 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. Central Bank Of The Midwest 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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    Originations

    928

    Origination Dollar Volume (All Markets)

    $250,910,000

    Employee count

    518

    Awards

    Central Bank of the Midwest 30 Year Conventional Loans silver Central Bank of the Midwest FHA Loans bronze Central Bank of the Midwest 30 Year Conventional Loans silver
    Show all (3) 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
    KANSAS CITY, MO-KS (FHA|USDA|VA) 802 $224,460,000 $279,875 $2,478 3.24%
    LAWRENCE, KS (FHA|USDA|VA) 44 $9,510,000 $216,136 $2,690 3.39%
    Outside of Metro Areas 24 $6,050,000 $252,083 $2,839 2.98%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 12 $1,960,000 $163,333 $2,748 3.77%
    Warrensburg, MO (FHA|USDA|VA) 8 $1,670,000 $208,750 $2,966 2.95%
    Key West, FL (FHA|USDA|VA) 2 $1,560,000 $780,000 $3,625 3.13%
    Ottawa, KS (FHA|USDA|VA) 8 $940,000 $117,500 $2,617 3.42%
    TOPEKA, KS (FHA|USDA|VA) 5 $885,000 $177,000 $5,458 3.08%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $840,000 $210,000 $2,598 2.84%
    COLUMBIA, MO (FHA|USDA|VA) 3 $445,000 $148,333 $2,701 3.21%
    BOULDER, CO (FHA|USDA|VA) 1 $375,000 $375,000 $2,618 3.00%
    Branson, MO (FHA|USDA|VA) 2 $360,000 $180,000 $2,634 3.44%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $275,000 $275,000 $2,438 2.63%
    Hays, KS (FHA|USDA|VA) 2 $270,000 $135,000 $2,498 2.94%
    MANHATTAN, KS (FHA|USDA|VA) 2 $240,000 $120,000 $2,033 3.75%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $235,000 $235,000 $3,055 2.50%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $175,000 $175,000 $5,863 3.25%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $165,000 $165,000 $2,100 2.63%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.88%
    Maryville, MO (FHA|USDA|VA) 1 $115,000 $115,000 $2,032 2.88%
    Kirksville, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.88%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $75,000 $75,000 $2,822 2.49%
    Pittsburg, KS (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.88%
    Central Bank Of The Midwest's top markets include Kansas City, Lawrence, St. Joseph, Warrensburg, and Key West among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)

    • Similar Lenders

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

    HNB National Bank
    Similarity Rank: 195
    Azura Credit Union
    Similarity Rank: 380
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 553
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 652
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 728
    UNITED CONSUMERS CREDIT UNION
    Similarity Rank: 825
    Central Bank of Warrensburg
    Similarity Rank: 1188
    CoreFirst Bank & Trust
    Similarity Rank: 1518
    Union Bank and Trust Company
    Similarity Rank: 1760
    Pinnacle Bank
    Similarity Rank: 2226

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 895 $244,825,000 $273,547 $2,407 3.25%
    FHA 24 $3,870,000 $161,250 $5,849 3.15%
    VA 5 $1,545,000 $309,000 $4,231 2.55%
    USDA 4 $670,000 $167,500 $4,460 2.88%

    For 2020, Central Bank Of The Midwest's most frequently originated type of loan was Conventional, with 895 originations. Their 2nd most popular type was FHA, with 24 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 356 $82,240,000 $231,011 $2,389 3.01%
    Home Purchase 351 $108,735,000 $309,786 $2,652 3.44%
    Cash Out Refi 201 $56,665,000 $281,915 $2,654 3.25%
    Home Improvement 13 $1,565,000 $120,385 $2,072 4.01%
    Other 7 $1,705,000 $243,571 $2,020 3.41%

    For 2020, Central Bank Of The Midwest's most frequently cited loan purpose was Refi, with 356 originations. The 2nd most popular reason was Home Purchase, with 351 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 560 $125,330,000 $223,804 $2,619 3.18%
    15 Year 185 $42,445,000 $229,432 $2,450 2.78%
    5 Year 63 $28,005,000 $444,524 $0 4.58%
    10 Year 37 $34,605,000 $935,270 $1,778 3.54%
    20 Year 35 $8,335,000 $238,143 $2,367 3.07%
    Other 33 $10,005,000 $303,182 $2,295 3.49%
    1 Year 15 $2,185,000 $145,667 $0 4.86%

    For 2020, Central Bank Of The Midwest's most frequently cited loan duration was 30 Year, with 560 originations. The 2nd most popular length was 15 Year, with 185 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 764 $175,240,000 $229,372
    $1k-2k 19 $4,085,000 $215,000
    $2k-3k 5 $655,000 $131,000
    $5k+ 2 $560,000 $280,000
    $3k-4k 1 $195,000 $195,000

    Central Bank Of The Midwest's average total fees were $2,619, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 764 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 424 $99,980,000 $235,802
    3-4% 325 $105,125,000 $323,462
    4-5% 92 $28,500,000 $309,783
    <2.5% 66 $14,570,000 $220,758
    5-6% 21 $2,735,000 $130,238

    During 2020, Central Bank Of The Midwest's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 2.5-3%, with 424 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 411 $60,895,000 $148,163 $2,500 3.27%
    $200k-400k 341 $95,355,000 $279,633 $2,638 3.06%
    $100,000 or less 93 $6,815,000 $73,280 $1,852 3.76%
    $400k-600k 58 $27,570,000 $475,345 $2,739 3.01%
    $1MM+ 14 $52,330,000 $3,737,857 $3,626 3.96%
    $600k-1MM 11 $7,945,000 $722,273 $3,207 3.71%

    2020 saw Central Bank Of The Midwest place emphasis on $100k-200k loans with 411 originations, totaling $60,895,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 194 $46,930,000 $241,907 $2,683 3.08%
    $75k-100k 155 $31,215,000 $201,387 $2,482 3.16%
    $50k-75k 153 $25,485,000 $166,569 $2,504 3.16%
    $150k-250k 121 $33,605,000 $277,727 $2,556 3.19%
    $50k or less 121 $15,555,000 $128,554 $2,243 3.21%
    $250k+ 49 $19,255,000 $392,959 $2,826 3.35%

    Central Bank Of The Midwest lent most frequently to those with incomes in the $100k-150k range, with 194 originations. The second most popular income band? $75k-100k, with 155 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 259 $54,325,000 $209,749 $2,484 3.06%
    30-36% 132 $28,230,000 $213,864 $2,624 3.21%
    <20% 110 $22,910,000 $208,273 $2,345 2.96%
    43% 30 $7,210,000 $240,333 $2,727 2.98%
    40% 28 $7,190,000 $256,786 $2,603 3.13%
    39% 23 $4,665,000 $202,826 $2,772 3.20%
    36% 22 $4,880,000 $221,818 $2,570 3.06%
    44% 22 $6,130,000 $278,636 $2,722 3.12%
    38% 21 $4,105,000 $195,476 $3,110 3.33%
    45% 20 $5,270,000 $263,500 $2,575 3.06%
    42% 19 $4,295,000 $226,053 $2,194 3.24%
    37% 19 $5,135,000 $270,263 $2,488 3.14%
    41% 19 $3,515,000 $185,000 $2,713 3.23%
    47% 19 $4,425,000 $232,895 $2,922 2.97%
    46% 14 $3,000,000 $214,286 $2,236 3.02%
    49% 11 $2,165,000 $196,818 $2,351 3.36%
    48% 9 $1,715,000 $190,556 $2,269 3.39%
    >60% 5 $2,785,000 $557,000 $2,703 3.15%
    50-60% 1 $305,000 $305,000 $2,466 3.00%

    Central Bank Of The Midwest lent most frequently to those with DTI ratios of 20-30%, with 259 originations. The next most common DTI ratio? 30-36%, with 132 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 752 $166,250,000 $221,077 $2,555 3.14%
    Not applicable 61 $60,045,000 $984,344 $0 4.58%
    Not provided 49 $10,845,000 $221,327 $2,583 3.19%
    Black 33 $6,245,000 $189,242 $2,065 3.21%
    Asian 24 $5,340,000 $222,500 $2,394 3.40%
    American Indian 6 $1,700,000 $283,333 $2,814 3.02%
    Asian Indian 3 $485,000 $161,667 $2,135 2.63%

    Approval Rates

    Total approvals of all applications
    93.58%

    Central Bank Of The Midwest has an average approval rate.

    Pick Rate

    Approvals leading to origination
    71.98%

    Central Bank Of The Midwest has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 928 $250,910,000 $270,377

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 17 $50,235,000 $2,955,000
    Single Family (1-4 Units):Manufactured 2 $240,000 $120,000
    Single Family (1-4 Units):Site-Built 909 $200,435,000 $220,501

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 55 $17,595,000 $319,909 $2,216 3.18%
    40-60% 171 $35,295,000 $206,404 $2,360 3.00%
    60-80% 414 $133,660,000 $322,850 $2,504 3.37%
    80-100% 278 $62,620,000 $225,252 $2,755 3.18%
    Over 100% 1 $505,000 $505,000 $0 4.00%
    Under 20% 9 $1,235,000 $137,222 $1,208 4.08%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CENTERSTATE BANK CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    CENTERSTATE BANK CORPORATION Conventional home mortgage Trouble during payment process 2 50.0%
    CENTERSTATE BANK CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Central Bank of The Midwest 100 South Hudson Buckner, MO 64016 Full Service B&M $69,084
    Central Bank of The Midwest 100 West Clay Avenue Plattsburg, MO 64477 Full Service B&M $32,196
    Central Bank of The Midwest 102 South 291 Highway Liberty, MO 64068 Full Service B&M $60,362
    Central Bank of The Midwest 10300 Metcalf Overland Park, KS 66212 Full Service B&M $76,972
    Central Bank of The Midwest 10801 East 23rd Street Independence, MO 64052 Full Service B&M $28,385
    Central Bank of The Midwest 11206 East 24 Hwy Sugar Creek, MO 64054 Full Service B&M $76,014
    Central Bank of The Midwest 1157 Burlington St Kansas City, MO 64116 Full Service B&M $19,528
    Central Bank of The Midwest 11900 College Boulevard Overland Park, KS 66210 Full Service B&M $124,499
    Central Bank of The Midwest 1201 Sw Oldham Parkway Lees Summit, MO 64081 Full Service B&M $21,073
    Central Bank of The Midwest 1305 Sw Arborwalk Blvd Lees Summit, MO 64082 Full Service B&M $14,567
    Central Bank of The Midwest 13446 Blackbob Road Olathe, KS 66062 Full Service B&M $39,778
    Central Bank of The Midwest 1402 Church St Eudora, KS 66025 Full Service Retail $11,993
    Central Bank of The Midwest 1444 Kasold Dr Lawrence, KS 66049 Full Service B&M $22,581
    Central Bank of The Midwest 1505 N 7 Hwy Blue Springs, MO 64014 Full Service B&M $68,809
    Central Bank of The Midwest 15100 Metcalf Overland Park, KS 66223 Full Service B&M $75,551
    Central Bank of The Midwest 15100 West 67th Street, Shawnee Mission Parkway And Lackman Shawnee, KS 66216 Full Service B&M $76,468
    Central Bank of The Midwest 16 West Franklin Street Liberty, MO 64068 Full Service B&M $56,425
    Central Bank of The Midwest 1603 S 169 Hwy Smithville, MO 64089 Full Service B&M $1,748
    Central Bank of The Midwest 204 Main Street Belton, MO 64012 Full Service B&M $61,132
    Central Bank of The Midwest 2210 Patsy Ln Excelsior Springs, MO 64024 Full Service B&M $13,201
    Central Bank of The Midwest 2400 Nw Prairie View Rd Platte City, MO 64079 Full Service B&M $176,448
    Central Bank of The Midwest 300 West 9th Street Lawrence, KS 66044 Full Service Cyber Office $37,838
    Central Bank of The Midwest 302 West Main Street Smithville, MO 64089 Limited, Drive-thru $137,856
    Central Bank of The Midwest 3101 Iowa Lawrence, KS 66046 Full Service B&M $23,983
    Central Bank of The Midwest 401 North Penn Street Lawson, MO 64062 Full Service B&M $34,602
    Central Bank of The Midwest 405 East Nelson Edgerton, KS 66021 Limited, Drive-thru $4,621
    Central Bank of The Midwest 4200 North Oak Street Trafficway Kansas City, MO 64116 Full Service B&M $25,559
    Central Bank of The Midwest 4209 East 50th Terrace Kansas City, MO 64130 Full Service B&M $586
    Central Bank of The Midwest 4315 S Noland Rd Independence, MO 64055 Full Service B&M $21,689
    Central Bank of The Midwest 4340 West Sixth Street Lawrence, KS 66049 Full Service B&M $27,493
    Central Bank of The Midwest 4438 N.W. Gateway Riverside, MO 64168 Full Service B&M $30,687
    Central Bank of The Midwest 445 East Highway 69 Kansas City, MO 64119 Full Service B&M $40,741
    Central Bank of The Midwest 4668 Blue Ridge Boulevard Kansas City, MO 64133 Full Service B&M $18,688
    Central Bank of The Midwest 4801 Town Center Drive Leawood, KS 66211 Full Service B&M $56,328
    Central Bank of The Midwest 500 S Broadway Oak Grove, MO 64075 Full Service B&M $76,630
    Central Bank of The Midwest 609 Ne 291 Hwy Lees Summit, MO 64086 Full Service B&M $181,056
    Central Bank of The Midwest 609 Northeast Missouri 291 Lees Summit, MO 64086 Full Service Cyber Office $16,758
    Central Bank of The Midwest 6114 Nieman Road Shawnee Mission, KS 66203 Full Service B&M $11,713
    Central Bank of The Midwest 6309 N Mo 9 Hwy Parkville, MO 64152 Full Service B&M $76,340
    Central Bank of The Midwest 6324 Northwest Barry Road Kansas City, MO 64154 Limited, Drive-thru $18,106
    Central Bank of The Midwest 639 Northeast Woods Chapel Road Lees Summit, MO 64064 Full Service B&M $34,048
    Central Bank of The Midwest 6410 N Prospect Kansas City, MO 64119 Full Service B&M $44,457
    Central Bank of The Midwest 711 West 23rd Street Lawrence, KS 66044 Full Service B&M $17,298
    Central Bank of The Midwest 7960 W 135th Street Overland Park, KS 66223 Full Service B&M $27,978
    Central Bank of The Midwest 79th And Metcalf Streets Overland Park, KS 66204 Full Service B&M $98,056
    Central Bank of The Midwest 8401 Nw Highway 45 Parkville, MO 64152 Full Service B&M $89,010
    Central Bank of The Midwest 8740 N Ambassador Dr Kansas City, MO 64154 Full Service B&M $38,299
    Central Bank of The Midwest 900 East Main Street Gardner, KS 66030 Full Service B&M $25,467
    Central Bank of The Midwest 909 South 7 Highway Blue Springs, MO 64014 Full Service B&M $146,592
    Central Bank of The Midwest 9200 Ne Barry Rd Kansas City, MO 64157 Full Service B&M $109,738
    Central Bank of The Midwest 9591 North Mcgee Street Kansas City, MO 64155 Full Service B&M $16,058
    Central Bank of The Midwest 9740 Wornall Road Kansas City, MO 64114 Full Service B&M $9,553
    Central Bank of The Midwest 9th And Kentucky Streets Lawrence, KS 66044 Full Service B&M $88,288
    Central Bank of The Midwest Highway 92 And Bellomondo Drive Platte City, MO 64079 Full Service B&M $39,511
    Central Bank of The Midwest Main And Center Streets Gardner, KS 66030 Full Service B&M $152,391
    Central Bank of The Midwest Second And Maple Leaf Dearborn, MO 64439 Full Service B&M $31,232

    For 2020, Central Bank Of The Midwest had 56 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $109,576
    Net interest income $104,566
    Total noninterest income $30,000
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $10,073
    Trading account gains and fees $0
    Additional Noninterest Income $19,927
    Pre-tax net operating income $49,275
    Securities gains (or losses, -) $-11
    Income before extraordinary items $38,286
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $38,286
    Minority interest net income $0
    Net income $38,286
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $38,294

    Central Bank Of The Midwest's gross interest income from loans was $109,576,000.
    Central Bank Of The Midwest's net interest income from loans was $104,566,000.
    Central Bank Of The Midwest's fee based income from loans was $10,073,000.
    Central Bank Of The Midwest's net income from loans was $38,286,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,010
    Provision for credit losses $9,133
    Total noninterest expense $76,158
    Salaries and employee benefits $35,333
    Premises and equipment expense $8,374
    Additional noninterest expense $32,451
    Applicable income taxes $10,978
    Net charge-offs $3,182
    Cash dividends $3,100

    Central Bank Of The Midwest's interest expense for loans was $5,010,000.
    Central Bank Of The Midwest's payroll and benefits expense were $35,333,000.
    Central Bank Of The Midwest's property, plant and equipment expenses $8,374,000.

    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 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 0.6%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 1.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,033,564
    Deposits held in domestic offices $3,033,564
    Deposits by Individuals, partnerships, and corporations $2,765,150
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $266,345
    Deposits by Commercial banks and other depository institutions in U.S. $2,069
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $286,657
    Demand deposits $219,747
    Nontransaction accounts $2,746,907
    Money market deposit accounts (MMDAs) $2,098,624
    Other savings deposits (excluding MMDAs) $407,824
    Total time deposits $240,460
    Total time and savings deposits $2,813,817
    Noninterest-bearing deposits $1,197,097
    Interest-bearing deposits $1,836,467
    Retail deposits $2,989,864
    IRAs and Keogh plan accounts $49,471
    Brokered deposits $3,142
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,688,213
    Cash & Balances due from depository institutions $327,259
    Interest-bearing balances $295,136
    Total securities $874,615
    Federal funds sold & reverse repurchase $12,286
    Net loans and leases $2,128,286
    Loan and leases loss allowance $25,591
    Trading account assets $0
    Bank premises and fixed assets $58,961
    Other real estate owned $4,857
    Goodwill and other intangibles $218,950
    All other assets $62,999

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,688,213
    Total Liabilities $3,184,390
    Total deposits $3,033,564
    Interest-bearing deposits $1,836,467
    Deposits held in domestic offices $3,033,564
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $36,748
    Trading liabilities $0
    Other borrowed funds $96,000
    Subordinated debt $0
    All other liabilities $18,078

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,128,286
    Loan and leases loss allowance $25,591
    Total loans and leases (domestic) $2,153,877
    All real estate loans $1,341,735
    Real estate loans in domestic offices $1,341,735
    Construction and development loans $170,237
    Residential 1-4 family construction $66,230
    Other construction, all land development and other land $104,007
    Loans secured by nonfarm nonresidential properties $790,599
    Nonfarm nonresidential secured by owner-occupied properties $316,661
    Commercial real estate & other non-farm, non-residential $473,938
    Multifamily residential real estate $105,670
    1-4 family residential loans $216,138
    Farmland loans $59,091
    Loans held in foreign offices $0
    Farm loans $5,461
    Commercial and industrial loans $490,671
    To non-U.S. addressees $0
    Loans to individuals $189,530
    Credit card loans $10,065
    Related Plans $5,606
    Consumer Auto Loans $66,461
    Other loans to individuals $107,398
    All other loans & leases $133,652
    Loans to foreign governments and official institutions $0
    Other loans $40,903
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $15,448
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,317
    Non 1-4 family restructured loans & leases $16
    Total loans and leases (foreign) $0

    Central Bank of the Midwest had $2,128,286,000 of loans outstanding in 2020. $1,341,735,000 of loans were in real estate loans. $170,237,000 of loans were in development loans. $105,670,000 of loans were in multifamily mortgage loans. $216,138,000 of loans were in 1-4 family mortgage loans. $5,461,000 of loans were in farm loans. $10,065,000 of loans were in credit card loans. $66,461,000 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 661 $152,636 $230,917
    Nonfarm, nonresidential loans - <$100k 93 $3,706 $39,849
    Nonfarm, nonresidential loans - $100-250k 216 $26,149 $121,060
    Nonfarm, nonresidential loans - $250k-1MM 352 $122,781 $348,810
    Commercial & Industrial, US addressed loans - <$1MM 7,734 $242,431 $31,346
    Commercial & Industrial, US addressed loans - <$100k 6,952 $62,153 $8,940
    Commercial & Industrial, US addressed loans - $100-250k 438 $53,913 $123,089
    Commercial & Industrial, US addressed loans - $250k-1MM 344 $126,365 $367,340
    Farmland loans - <$1MM 219 $28,863 $131,795
    Farmland loans - <$100k 87 $4,148 $47,678
    Farmland loans - $100-250k 96 $12,350 $128,646
    Farmland loans - $250k-1MM 36 $12,365 $343,472
    Agriculture operations loans - <$1MM 119 $4,286 $36,017
    Agriculture operations loans - <$100k 103 $1,946 $18,893
    Agriculture operations loans - $100-250k 13 $1,454 $111,846
    Agriculture operations loans - $250k-1MM 3 $886 $295,333