First Citizens Community Bank Mortgage Rates, Fees & Info

Mansfield, PA

LEI: 549300GZN0GWYE1KDB94

Tax ID: 24-0652238

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Mortgage Data

Bank Data

Review & Overview

First Citizens Community Bank is a smaller bank specializing in Home Purchase and Refi loans. First Citizens Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: State College, Sayre, Lebanon, Lancaster, and Philadelphia among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Citizens Community Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Citizens Community Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.82% 3/28/24
30 Year Conventional Refi 6.45% 3/28/24
30 Year Cash-out Refi 6.50% 3/28/24
15 Year Conventional Purchase 6.53% 3/28/24
15 Year Conventional Refi 7.36% 3/28/24
15 Year Cash-out Refi 7.36% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Citizens Community Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from First Citizens Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

537

Origination Dollar Volume (All Markets)

$80,645,000

Employee count

254

Awards

First Citizens Community Bank 30 Year Conventional Loans gold First Citizens Community Bank 30 Year Conventional Loans bronze
Show all (2) 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
Outside of Metro Areas 195 $19,425,000 $99,615 $1,931 5.25%
STATE COLLEGE, PA (FHA|USDA|VA) 40 $18,940,000 $473,500 $3,827 4.75%
Sayre, PA (FHA|USDA|VA) 143 $15,315,000 $107,098 $2,166 5.36%
LEBANON, PA (FHA|USDA|VA) 47 $6,205,000 $132,021 $2,808 5.11%
LANCASTER, PA (FHA|USDA|VA) 19 $5,895,000 $310,263 $3,227 5.20%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 13 $2,695,000 $207,308 $5,269 5.17%
Lock Haven, PA (FHA|USDA|VA) 13 $2,455,000 $188,846 $3,902 5.03%
READING, PA (FHA|USDA|VA) 8 $1,320,000 $165,000 $3,143 4.57%
BINGHAMTON, NY (FHA|USDA|VA) 9 $1,305,000 $145,000 $2,681 4.98%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 7 $995,000 $142,143 $3,724 5.17%
Pottsville, PA (FHA|USDA|VA) 10 $890,000 $89,000 $1,698 5.45%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $820,000 $410,000 $3,092 5.63%
WILLIAMSPORT, PA (FHA|USDA|VA) 4 $650,000 $162,500 $2,344 4.53%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 4 $510,000 $127,500 $0 5.09%
ROCHESTER, NY (FHA|USDA|VA) 1 $485,000 $485,000 $6,555 4.50%
ELMIRA, NY (FHA|USDA|VA) 7 $465,000 $66,429 $1,531 5.18%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $435,000 $145,000 $2,757 4.21%
Corning, NY (FHA|USDA|VA) 3 $365,000 $121,667 $3,295 4.58%
PITTSBURGH, PA (FHA|USDA|VA) 1 $335,000 $335,000 $0 5.63%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $275,000 $275,000 $3,352 4.63%
Huntingdon, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,560 4.13%
GETTYSBURG, PA (FHA|USDA|VA) 1 $225,000 $225,000 $6,785 5.49%
Lewisburg, PA (FHA|USDA|VA) 2 $200,000 $100,000 $0 5.62%
Sunbury, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,176 4.25%
Bradford, PA (FHA|USDA|VA) 2 $50,000 $25,000 $326 4.63%
First Citizens Community Bank's top markets include State College, Sayre, Lebanon, Lancaster, and Philadelphia among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 537 $80,645,000 $150,177 $2,334 5.19%

    For 2019, First Citizens Community Bank's most frequently originated type of loan was Conventional, with 537 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 276 $48,250,000 $174,819 $3,721 5.03%
    Cash Out Refi 111 $9,935,000 $89,505 $1,187 5.19%
    Refi 56 $16,420,000 $293,214 $2,013 4.94%
    Other 52 $2,550,000 $49,038 $699 5.81%
    Home Improvement 42 $3,490,000 $83,095 $414 5.77%

    For 2019, First Citizens Community Bank's most frequently cited loan purpose was Home Purchase, with 276 originations. The 2nd most popular reason was Cash Out Refi, with 111 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 136 $24,350,000 $179,044 $3,278 4.63%
    15 Year 121 $13,075,000 $108,058 $1,386 5.28%
    20 Year 76 $15,390,000 $202,500 $2,639 5.34%
    10 Year 75 $7,995,000 $106,600 $428 5.71%
    5 Year 45 $1,205,000 $26,778 $299 5.58%
    30+ year 38 $9,950,000 $261,842 $6,377 4.86%
    Other 38 $7,540,000 $198,421 $1,599 5.34%
    1 Year 7 $1,125,000 $160,714 $4,042 5.71%
    3 Year 1 $15,000 $15,000 $87 4.63%

    For 2019, First Citizens Community Bank's most frequently cited loan duration was 30 Year, with 136 originations. The 2nd most popular length was 15 Year, with 121 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 320 $33,330,000 $104,156
    $1k-2k 50 $8,900,000 $178,000
    $2k-3k 18 $4,450,000 $247,222
    $3k-4k 11 $3,115,000 $283,182
    $4k-5k 4 $1,460,000 $365,000

    First Citizens Community Bank's average total fees were $3,278, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 320 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 211 $29,655,000 $140,545
    4-5% 194 $35,930,000 $185,206
    3-4% 71 $12,045,000 $169,648
    6-7% 41 $2,235,000 $54,512
    Over 8% 15 $555,000 $37,000
    7-8% 4 $150,000 $37,500
    2.5-3% 1 $75,000 $75,000

    During 2019, First Citizens Community Bank's average interest rate for loans was 4.63%, while their most frequently originated rate bucket for loans was 5-6%, with 211 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 288 $14,830,000 $51,493 $995 5.49%
    $100k-200k 127 $18,015,000 $141,850 $2,996 4.87%
    $200k-400k 97 $26,085,000 $268,918 $4,807 4.76%
    $400k-600k 15 $7,165,000 $477,667 $5,951 4.91%
    $1MM+ 5 $10,965,000 $2,193,000 $0 4.83%
    $600k-1MM 5 $3,585,000 $717,000 $6,664 5.39%

    2019 saw First Citizens Community Bank place emphasis on $100,000 or less loans with 288 originations, totaling $14,830,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 124 $9,020,000 $72,742 $1,750 5.61%
    $50k-75k 106 $10,530,000 $99,340 $2,120 5.08%
    $100k-150k 97 $13,715,000 $141,392 $2,406 4.96%
    $75k-100k 76 $9,540,000 $125,526 $2,756 5.10%
    $150k-250k 40 $8,670,000 $216,750 $3,580 4.73%
    $250k+ 26 $7,300,000 $280,769 $3,908 4.98%

    First Citizens Community Bank lent most frequently to those with incomes in the $50k or less range, with 124 originations. The second most popular income band? $50k-75k, with 106 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 107 $12,995,000 $121,449 $2,115 4.90%
    30-36% 99 $10,645,000 $107,525 $2,154 5.28%
    <20% 66 $7,220,000 $109,394 $2,031 4.92%
    37% 22 $1,840,000 $83,636 $1,608 5.52%
    38% 19 $2,995,000 $157,632 $3,165 5.45%
    40% 19 $3,295,000 $173,421 $3,298 5.29%
    41% 14 $2,030,000 $145,000 $3,638 4.90%
    39% 13 $2,715,000 $208,846 $3,138 5.15%
    36% 11 $1,095,000 $99,545 $2,411 4.72%
    42% 10 $1,560,000 $156,000 $3,071 5.60%
    43% 9 $1,095,000 $121,667 $1,946 5.04%
    44% 6 $940,000 $156,667 $2,479 5.27%
    >60% 4 $520,000 $130,000 $2,796 5.13%
    48% 3 $865,000 $288,333 $4,982 5.33%
    50-60% 3 $405,000 $135,000 $5,098 5.13%
    45% 3 $475,000 $158,333 $4,334 5.83%
    46% 2 $270,000 $135,000 $2,842 5.63%
    47% 1 $45,000 $45,000 $212 5.99%
    49% 1 $35,000 $35,000 $333 4.75%

    First Citizens Community Bank lent most frequently to those with DTI ratios of 20-30%, with 107 originations. The next most common DTI ratio? 30-36%, with 99 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 474 $59,280,000 $125,063 $2,325 5.16%
    Not applicable 58 $20,740,000 $357,586 $0 5.43%
    Asian 4 $540,000 $135,000 $3,452 5.00%
    Black 1 $85,000 $85,000 $2,512 5.75%

    Approval Rates

    Total approvals of all applications
    87.16%

    First Citizens Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.56%

    First Citizens Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    436.53 1 $25,000 $25,000
    487.5 1 $25,000 $25,000
    512.5 1 $35,000 $35,000
    54.5 1 $15,000 $15,000
    56.5 1 $5,000 $5,000
    59.5 1 $5,000 $5,000
    61.51 5 $75,000 $15,000
    62.5 1 $35,000 $35,000
    66.11 1 $95,000 $95,000
    NA 524 $80,330,000 $153,302

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $1,135,000 $378,333
    Multifamily:Site-Built 24 $9,690,000 $403,750
    Single Family (1-4 Units):Manufactured 48 $3,100,000 $64,583
    Single Family (1-4 Units):Site-Built 462 $66,720,000 $144,416

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 96 $7,730,000 $80,521 $979 5.49%
    40-60% 78 $14,190,000 $181,923 $2,173 5.32%
    60-80% 182 $32,670,000 $179,505 $3,065 5.17%
    80-100% 120 $23,210,000 $193,417 $3,375 4.74%
    Under 20% 57 $2,675,000 $46,930 $323 5.53%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST CITIZENS BANCSHARES, INC. Conventional home mortgage Trouble during payment process 3 27.3%
    FIRST CITIZENS BANCSHARES, INC. Conventional home mortgage Closing on a mortgage 1 9.1%
    FIRST CITIZENS BANCSHARES, INC. FHA mortgage Struggling to pay mortgage 1 9.1%
    FIRST CITIZENS BANCSHARES, INC. Conventional home mortgage Struggling to pay mortgage 3 27.3%
    FIRST CITIZENS BANCSHARES, INC. Other type of mortgage Trouble during payment process 1 9.1%
    FIRST CITIZENS BANCSHARES, INC. Other type of mortgage Struggling to pay mortgage 1 9.1%
    FIRST CITIZENS BANCSHARES, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 9.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Citizens Community Bank 502 Main Street Ulysses, PA 16948 Full Service B&M $45,955
    First Citizens Community Bank 306 West Lockhart Street Sayre, PA 18840 Full Service B&M $67,184
    First Citizens Community Bank 33178 Route 14 Gillett, PA 16925 Full Service B&M $11,809
    First Citizens Community Bank 53 West Main Street Canton, PA 17724 Full Service B&M $96,434
    First Citizens Community Bank 1 Pearl Street Wellsboro, PA 16901 Full Service B&M $115,048
    First Citizens Community Bank 10 South Main Street Wellsville, NY 14895 Full Service B&M $36,458
    First Citizens Community Bank 1015 Dry Tavern Road Suite A Denver, PA 17517 Full Service B&M $2,275
    First Citizens Community Bank 111-113 Main Street Towanda, PA 18848 Full Service B&M $51,039
    First Citizens Community Bank 1133 West Main Street Troy, PA 16947 Full Service B&M $63,877
    First Citizens Community Bank 1157 Westbranch Hwy, 1st Floor Winfield, PA 17889 Full Service B&M $0
    First Citizens Community Bank 141 West Beaver Avenue State College, PA 16801 Full Service B&M $59,544
    First Citizens Community Bank 15 South Main Street Mansfield, PA 16933 Full Service B&M $187,382
    First Citizens Community Bank 1549 Route 443 Friedensburg, PA 17933 Full Service B&M $25,627
    First Citizens Community Bank 1690 N. 7th Street, Lebanon, PA 17046 Full Service B&M $48,422
    First Citizens Community Bank 1778 Elmira Street Sayre, PA 18840 Full Service B&M $19,989
    First Citizens Community Bank 2 Wal-Mart Plaza Mansfield, PA 16933 Full Service Retail $7,048
    First Citizens Community Bank 2217 West Cumberland Street Lebanon, PA 17042 Full Service B&M $16,553
    First Citizens Community Bank 300 Main Street Blossburg, PA 16912 Full Service B&M $53,232
    First Citizens Community Bank 3016 South Pine Grove Street Fredericksburg, PA 17026 Full Service B&M $69,211
    First Citizens Community Bank 39 King Arthur Drive Mill Hall, PA 17751 Full Service B&M $15,791
    First Citizens Community Bank 391 Main Street Genesee, PA 16923 Full Service B&M $30,893
    First Citizens Community Bank 45 West Main Street Schuylkill Haven, PA 17972 Full Service B&M $13,117
    First Citizens Community Bank 450 Isabel Drive Lebanon, PA 17042 Full Service B&M $31,319
    First Citizens Community Bank 720 East Main Street Mount Joy, PA 17552 Full Service B&M $13,767
    First Citizens Community Bank 7352 Route 328 Millerton, PA 16936 Full Service B&M $16,864
    First Citizens Community Bank 7635 Lancaster Avenue Mount Aetna, PA 19544 Full Service B&M $49,057
    First Citizens Community Bank 847 Main Street Rome, PA 18837 Full Service B&M $8,891
    First Citizens Community Bank 960 Main Street Le Raysville, PA 18829 Full Service B&M $35,043

    For 2019, First Citizens Community Bank had 28 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $62,051
    Net interest income $50,411
    Total noninterest income $8,718
    Gross Fiduciary activities income $750
    Service charges on deposit accounts $2,279
    Trading account gains and fees $0
    Additional Noninterest Income $5,689
    Pre-tax net operating income $24,468
    Securities gains (or losses, -) $43
    Income before extraordinary items $20,475
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $20,475
    Minority interest net income $0
    Net income $20,475
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $20,438

    First Citizens Community Bank's gross interest income from loans was $62,051,000.
    First Citizens Community Bank's net interest income from loans was $50,411,000.
    First Citizens Community Bank's fee based income from loans was $2,279,000.
    First Citizens Community Bank's net income from loans was $20,475,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,640
    Provision for credit losses $1,675
    Total noninterest expense $32,986
    Salaries and employee benefits $20,456
    Premises and equipment expense $2,848
    Additional noninterest expense $9,682
    Applicable income taxes $4,036
    Net charge-offs $714
    Cash dividends $9,565

    First Citizens Community Bank's interest expense for loans was $11,640,000.
    First Citizens Community Bank's payroll and benefits expense were $20,456,000.
    First Citizens Community Bank's property, plant and equipment expenses $2,848,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    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 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 $1,219,863
    Deposits held in domestic offices $1,219,863
    Deposits by Individuals, partnerships, and corporations $980,470
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $239,375
    Deposits by Commercial banks and other depository institutions in U.S. $18
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $131,331
    Demand deposits $76,803
    Nontransaction accounts $1,088,532
    Money market deposit accounts (MMDAs) $169,865
    Other savings deposits (excluding MMDAs) $645,936
    Total time deposits $272,731
    Total time and savings deposits $1,143,060
    Noninterest-bearing deposits $212,538
    Interest-bearing deposits $1,007,325
    Retail deposits $1,139,810
    IRAs and Keogh plan accounts $48,597
    Brokered deposits $15,000
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,465,405
    Cash & Balances due from depository institutions $32,776
    Interest-bearing balances $16,829
    Total securities $240,789
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,102,539
    Loan and leases loss allowance $13,845
    Trading account assets $0
    Bank premises and fixed assets $17,089
    Other real estate owned $3,404
    Goodwill and other intangibles $24,642
    All other assets $44,166

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,465,405
    Total Liabilities $1,310,904
    Total deposits $1,219,863
    Interest-bearing deposits $1,007,325
    Deposits held in domestic offices $1,219,863
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $11,298
    Trading liabilities $0
    Other borrowed funds $67,482
    Subordinated debt $0
    All other liabilities $12,261

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,102,539
    Loan and leases loss allowance $13,845
    Total loans and leases (domestic) $1,116,384
    All real estate loans $905,256
    Real estate loans in domestic offices $905,256
    Construction and development loans $15,519
    Residential 1-4 family construction $4,348
    Other construction, all land development and other land $11,171
    Loans secured by nonfarm nonresidential properties $229,213
    Nonfarm nonresidential secured by owner-occupied properties $130,125
    Commercial real estate & other non-farm, non-residential $99,088
    Multifamily residential real estate $33,346
    1-4 family residential loans $307,663
    Farmland loans $319,515
    Loans held in foreign offices $0
    Farm loans $51,483
    Commercial and industrial loans $59,109
    To non-U.S. addressees $0
    Loans to individuals $10,266
    Credit card loans $0
    Related Plans $2,432
    Consumer Auto Loans $329
    Other loans to individuals $7,505
    All other loans & leases $90,270
    Loans to foreign governments and official institutions $0
    Other loans $3,812
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $3,125
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $7,341
    Non 1-4 family restructured loans & leases $7,004
    Total loans and leases (foreign) $0

    First Citizens Community Bank had $1,102,539,000 of loans outstanding in 2019. $905,256,000 of loans were in real estate loans. $15,519,000 of loans were in development loans. $33,346,000 of loans were in multifamily mortgage loans. $307,663,000 of loans were in 1-4 family mortgage loans. $51,483,000 of loans were in farm loans. $0 of loans were in credit card loans. $329,000 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 669 $101,531 $151,765
    Nonfarm, nonresidential loans - <$100k 247 $9,441 $38,223
    Nonfarm, nonresidential loans - $100-250k 235 $26,646 $113,387
    Nonfarm, nonresidential loans - $250k-1MM 187 $65,444 $349,968
    Commercial & Industrial, US addressed loans - <$1MM 565 $38,809 $68,688
    Commercial & Industrial, US addressed loans - <$100k 424 $11,132 $26,255
    Commercial & Industrial, US addressed loans - $100-250k 87 $8,961 $103,000
    Commercial & Industrial, US addressed loans - $250k-1MM 54 $18,716 $346,593
    Farmland loans - <$1MM 640 $94,527 $147,698
    Farmland loans - <$100k 249 $9,616 $38,618
    Farmland loans - $100-250k 204 $27,928 $136,902
    Farmland loans - $250k-1MM 187 $56,983 $304,722
    Agriculture operations loans - <$1MM 501 $25,912 $51,721
    Agriculture operations loans - <$100k 400 $11,935 $29,838
    Agriculture operations loans - $100-250k 75 $7,933 $105,773
    Agriculture operations loans - $250k-1MM 26 $6,044 $232,462