Countybank Mortgage Rates, Fees & Info

Greenwood, SC

LEI: 549300III1DMY3SLAW56

Tax ID: 57-0147610

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Countybank is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Countybank 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: Greenville, Knoxville, Greenwood, Spartanburg, and Nashville among others. We have data for 70 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Countybank 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. Countybank 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
    30 Year Conventional Purchase 6.51% 4/21/24
    30 Year Conventional Refi 6.28% 4/21/24
    30 Year Cash-out Refi 6.65% 4/21/24
    30 Year FHA Purchase 7.33% 4/21/24
    30 Year FHA Refi 6.27% 4/21/24
    30 Year VA Purchase 6.24% 4/21/24
    30 Year USDA Purchase 6.81% 4/21/24
    30 Year USDA Refi 6.27% 4/21/24
    15 Year Conventional Purchase 6.01% 4/21/24
    15 Year Conventional Refi 6.05% 4/21/24
    15 Year Cash-out Refi 6.05% 4/21/24
    15 Year VA Refi 5.68% 4/21/24
    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.

    Countybank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Countybank. 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

    2,209

    Origination Dollar Volume (All Markets)

    $538,235,000

    Employee count

    166 Show all (26) 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
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1,208 $300,100,000 $248,427 $3,010 2.85%
    KNOXVILLE, TN (FHA|USDA|VA) 280 $71,570,000 $255,607 $3,414 2.84%
    Greenwood, SC (FHA|USDA|VA) 236 $44,500,000 $188,559 $3,086 3.00%
    SPARTANBURG, SC (FHA|USDA|VA) 173 $36,335,000 $210,029 $3,081 2.87%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 44 $16,320,000 $370,909 $3,439 2.87%
    Outside of Metro Areas 40 $8,850,000 $221,250 $3,599 2.90%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 29 $7,845,000 $270,517 $2,719 2.75%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 23 $7,115,000 $309,348 $3,175 2.79%
    Seneca, SC (FHA|USDA|VA) 20 $6,380,000 $319,000 $2,890 2.82%
    COLUMBIA, SC (FHA|USDA|VA) 24 $5,410,000 $225,417 $2,766 2.92%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 13 $3,555,000 $273,462 $4,086 2.69%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,950,000 $487,500 $5,042 2.78%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $1,945,000 $277,857 $3,279 3.30%
    Sevierville, TN (FHA|USDA|VA) 9 $1,705,000 $189,444 $2,568 2.86%
    MORRISTOWN, TN (FHA|USDA|VA) 8 $1,640,000 $205,000 $2,418 2.84%
    Newberry, SC (FHA|USDA|VA) 6 $1,500,000 $250,000 $2,729 2.79%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $1,385,000 $277,000 $3,546 2.63%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $1,160,000 $290,000 $3,336 2.94%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $1,130,000 $282,500 $3,522 2.91%
    RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,120,000 $280,000 $2,700 2.94%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,030,000 $515,000 $4,527 3.00%
    WINSTON-SALEM, NC (FHA|USDA|VA) 4 $990,000 $247,500 $2,595 2.66%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $965,000 $321,667 $5,761 2.75%
    Georgetown, SC (FHA|USDA|VA) 4 $880,000 $220,000 $3,379 3.19%
    Paragould, AR (FHA|USDA|VA) 1 $595,000 $595,000 $2,050 2.75%
    Gaffney, SC (FHA|USDA|VA) 3 $585,000 $195,000 $2,766 3.00%
    Athens, TN (FHA|USDA|VA) 2 $580,000 $290,000 $3,021 2.69%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $550,000 $275,000 $3,301 2.81%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $465,000 $465,000 $5,402 2.88%
    Newport, TN (FHA|USDA|VA) 3 $455,000 $151,667 $2,397 3.00%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $440,000 $220,000 $2,028 2.63%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $420,000 $210,000 $2,522 3.19%
    GREENVILLE, NC (FHA|USDA|VA) 1 $385,000 $385,000 $3,188 2.50%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $365,000 $365,000 $5,086 2.99%
    Traverse City, MI (FHA|USDA|VA) 1 $355,000 $355,000 $2,613 2.99%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $355,000 $355,000 $2,494 2.99%
    Dayton, TN (FHA|USDA|VA) 1 $335,000 $335,000 $3,032 2.75%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $325,000 $325,000 $2,897 3.38%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $325,000 $325,000 $3,436 2.25%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $325,000 $325,000 $4,813 2.63%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,063 3.13%
    SAVANNAH, GA (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.00%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $305,000 $305,000 $2,519 2.75%
    Shelby, NC (FHA|USDA|VA) 2 $300,000 $150,000 $3,167 2.75%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $275,000 $275,000 $3,369 2.50%
    CLEVELAND, TN (FHA|USDA|VA) 1 $265,000 $265,000 $3,011 3.63%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $265,000 $265,000 $2,714 2.88%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $265,000 $265,000 $1,781 2.75%
    FLORENCE, SC (FHA|USDA|VA) 1 $255,000 $255,000 $2,177 2.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $245,000 $245,000 $5,451 2.75%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $235,000 $235,000 $3,403 3.00%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,467 2.75%
    Morehead City, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,264 2.50%
    Brevard, NC (FHA|USDA|VA) 1 $215,000 $215,000 $4,312 3.38%
    WILMINGTON, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,421 2.63%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $205,000 $205,000 $3,150 2.75%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,258 3.13%
    Forest City, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,958 3.50%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $185,000 $185,000 $3,574 2.99%
    Shelbyville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $3,223 2.88%
    RICHMOND, VA (FHA|USDA|VA) 1 $165,000 $165,000 $2,160 2.88%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.13%
    Cookeville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $2,130 2.88%
    Orangeburg, SC (FHA|USDA|VA) 1 $135,000 $135,000 $2,983 2.99%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $125,000 $125,000 $2,664 3.00%
    Statesboro, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,807 3.63%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.49%
    Cullowhee, NC (FHA|USDA|VA) 1 $75,000 $75,000 $2,951 2.75%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $75,000 $75,000 $2,279 2.88%
    Union, SC (FHA|USDA|VA) 1 $55,000 $55,000 $3,564 2.63%
    Countybank's top markets include Greenville, Knoxville, Greenwood, Spartanburg, and Nashville among others.

    Their top states include:
  • South Carolina (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)

    • Similar Lenders

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

    CONSUMER Credit Union
    Similarity Rank: 224
    KELLEY MORTGAGE, LLC
    Similarity Rank: 336
    S. C. STATE FEDERAL CREDIT UNION
    Similarity Rank: 408
    Greenville Heritage Federal Credit Union
    Similarity Rank: 435
    CAROLINA FOOTHILLS
    Similarity Rank: 484
    Barley Mortgage, LLC
    Similarity Rank: 552
    First Vision Bank of Tennessee
    Similarity Rank: 657
    Community First Bank, Inc.
    Similarity Rank: 672
    US COMMUNITY
    Similarity Rank: 686
    Home Federal Bank of Tennessee
    Similarity Rank: 720

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,046 $497,890,000 $243,348 $2,878 2.88%
    VA 75 $21,905,000 $292,067 $4,934 2.53%
    FHA 71 $15,455,000 $217,676 $6,848 2.80%
    USDA 17 $2,985,000 $175,588 $5,108 2.85%

    For 2021, Countybank's most frequently originated type of loan was Conventional, with 2,046 originations. Their 2nd most popular type was VA, with 75 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 848 $192,570,000 $227,087 $2,433 2.75%
    Home Purchase 815 $218,725,000 $268,374 $4,034 2.90%
    Cash Out Refi 527 $122,985,000 $233,368 $2,824 2.96%
    Other 11 $2,605,000 $236,818 $2,438 3.88%
    Home Improvement 8 $1,350,000 $168,750 $2,345 3.93%

    For 2021, Countybank's most frequently cited loan purpose was Refi, with 848 originations. The 2nd most popular reason was Home Purchase, with 815 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,612 $404,460,000 $250,906 $3,249 2.92%
    15 Year 348 $71,030,000 $204,109 $2,536 2.53%
    20 Year 143 $35,425,000 $247,727 $2,659 2.85%
    Other 61 $15,855,000 $259,918 $3,077 3.20%
    10 Year 27 $5,305,000 $196,481 $2,675 2.83%
    30+ year 9 $3,735,000 $415,000 $7,489 3.83%
    1 Year 6 $1,330,000 $221,667 $4,461 4.10%
    5 Year 2 $990,000 $495,000 $0 3.88%
    3 Year 1 $105,000 $105,000 $0 3.99%

    For 2021, Countybank's most frequently cited loan duration was 30 Year, with 1,612 originations. The 2nd most popular length was 15 Year, with 348 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,918 $467,780,000 $243,889
    $1k-2k 131 $30,315,000 $231,412
    $2k-3k 38 $10,210,000 $268,684
    $3k-4k 12 $4,140,000 $345,000
    $5k+ 10 $5,740,000 $574,000
    $4k-5k 7 $3,655,000 $522,143

    Countybank's average total fees were $3,249, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,918 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,284 $317,040,000 $246,916
    3-4% 461 $104,695,000 $227,104
    <2.5% 434 $111,770,000 $257,535
    4-5% 27 $4,585,000 $169,815
    5-6% 2 $120,000 $60,000
    6-7% 1 $25,000 $25,000

    During 2021, Countybank's average interest rate for loans was 2.92%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,284 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,026 $286,730,000 $279,464 $3,324 2.83%
    $100k-200k 789 $121,455,000 $153,935 $2,650 2.89%
    $400k-600k 225 $107,755,000 $478,911 $3,807 2.79%
    $100,000 or less 158 $12,090,000 $76,519 $2,488 3.10%
    $600k-1MM 7 $5,005,000 $715,000 $5,879 3.14%
    $1MM+ 4 $5,200,000 $1,300,000 $8,183 3.22%

    2021 saw Countybank place emphasis on $200k-400k loans with 1,026 originations, totaling $286,730,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 509 $143,955,000 $282,819 $3,131 2.84%
    $50k-75k 504 $97,500,000 $193,452 $3,047 2.86%
    $75k-100k 406 $94,960,000 $233,892 $3,146 2.86%
    $50k or less 367 $54,075,000 $147,343 $2,936 2.92%
    $150k-250k 284 $95,410,000 $335,951 $3,229 2.87%
    $250k+ 99 $40,335,000 $407,424 $3,693 2.88%

    Countybank lent most frequently to those with incomes in the $100k-150k range, with 509 originations. The second most popular income band? $50k-75k, with 504 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 661 $160,235,000 $242,413 $2,928 2.85%
    30-36% 418 $105,440,000 $252,249 $3,214 2.90%
    <20% 358 $78,100,000 $218,156 $2,667 2.81%
    39% 79 $19,255,000 $243,734 $3,345 2.91%
    38% 76 $20,220,000 $266,053 $3,130 2.87%
    40% 73 $18,095,000 $247,877 $3,465 2.88%
    37% 58 $13,720,000 $236,552 $3,151 2.90%
    42% 57 $13,115,000 $230,088 $2,968 2.91%
    36% 56 $13,940,000 $248,929 $3,112 2.92%
    44% 55 $13,905,000 $252,818 $3,397 2.88%
    41% 49 $12,905,000 $263,367 $3,122 2.87%
    43% 43 $10,515,000 $244,535 $3,631 2.87%
    45% 41 $9,305,000 $226,951 $3,197 2.94%
    48% 38 $9,230,000 $242,895 $2,814 2.79%
    49% 38 $10,820,000 $284,737 $4,349 2.84%
    47% 33 $7,985,000 $241,970 $3,991 2.97%
    46% 28 $6,800,000 $242,857 $3,218 2.87%
    50-60% 17 $5,775,000 $339,706 $8,800 2.96%
    >60% 3 $395,000 $131,667 $2,851 3.44%

    Countybank lent most frequently to those with DTI ratios of 20-30%, with 661 originations. The next most common DTI ratio? 30-36%, with 418 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,920 $465,170,000 $242,276 $3,068 2.86%
    Not provided 192 $47,660,000 $248,229 $3,336 2.92%
    Asian 38 $11,680,000 $307,368 $3,130 2.75%
    Black 45 $9,045,000 $201,000 $3,576 2.84%
    Not applicable 4 $2,040,000 $510,000 $0 3.93%
    American Indian 7 $1,945,000 $277,857 $3,133 2.98%
    Native Hawaiian or Islander 1 $325,000 $325,000 $3,186 3.25%
    Filipino 1 $185,000 $185,000 $3,007 2.99%
    Asian Indian 1 $185,000 $185,000 $2,175 2.50%

    Approval Rates

    Total approvals of all applications
    97.15%

    Countybank 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
    82.75%

    Countybank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,209 $538,235,000 $243,656

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,209 $538,235,000 $243,656

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 104 $16,550,000 $159,135 $2,520 2.87%
    40-60% 436 $93,580,000 $214,633 $2,564 2.75%
    60-80% 987 $251,065,000 $254,372 $2,773 2.91%
    80-100% 651 $170,525,000 $261,943 $3,867 2.87%
    Over 100% 16 $4,760,000 $297,500 $9,844 2.59%
    Under 20% 15 $1,755,000 $117,000 $2,385 3.38%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Countybank 1230 Reynolds Avenue Greenwood, SC 29646 Full Service B&M $62,588
    Countybank 201 West Mcbee Avenue Greenville, SC 29601 Full Service B&M $74,520
    Countybank 2125 N Highway 81 Anderson, SC 29621 Full Service B&M $16,605
    Countybank 300 Trade Street Greer, SC 29650 Full Service B&M $44,120
    Countybank 3431 Pelham Road Greenville, SC 29601 Full Service B&M $15,165
    Countybank 419 Main Street Greenwood, SC 29646 Limited, Trust Office $0
    Countybank 419 Main Street Greenwood, SC 29646 Full Service B&M $235,028
    Countybank 425 Main Street Greenwood, SC 29646 Limited, Administrative $0
    Countybank 583 Highway 72 By-Pass Nw Greenwood, SC 29646 Full Service B&M $106,485

    For 2021, Countybank had 9 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $17,801
    Net interest income $17,364
    Total noninterest income $24,563
    Gross Fiduciary activities income $1,651
    Service charges on deposit accounts $771
    Trading account gains and fees $0
    Additional Noninterest Income $22,141
    Pre-tax net operating income $8,591
    Securities gains (or losses, -) $3
    Income before extraordinary items $8,248
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $8,248
    Minority interest net income $0
    Net income $8,248
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $8,245

    Countybank's gross interest income from loans was $17,801,000.
    Countybank's net interest income from loans was $17,364,000.
    Countybank's fee based income from loans was $771,000.
    Countybank's net income from loans was $8,248,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $437
    Provision for credit losses $0
    Total noninterest expense $33,336
    Salaries and employee benefits $21,730
    Premises and equipment expense $2,894
    Additional noninterest expense $8,712
    Applicable income taxes $346
    Net charge-offs $-263
    Cash dividends $1,200

    Countybank's interest expense for loans was $437,000.
    Countybank's payroll and benefits expense were $21,730,000.
    Countybank's property, plant and equipment expenses $2,894,000.

    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 $579,877
    Deposits held in domestic offices $579,877
    Deposits by Individuals, partnerships, and corporations $555,772
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $24,106
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $66,821
    Demand deposits $24,393
    Nontransaction accounts $513,057
    Money market deposit accounts (MMDAs) $75,148
    Other savings deposits (excluding MMDAs) $426,236
    Total time deposits $11,672
    Total time and savings deposits $555,485
    Noninterest-bearing deposits $171,097
    Interest-bearing deposits $408,780
    Retail deposits $579,060
    IRAs and Keogh plan accounts $0
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $671,887
    Cash & Balances due from depository institutions $108,206
    Interest-bearing balances $100,361
    Total securities $218,478
    Federal funds sold & reverse repurchase $0
    Net loans and leases $317,838
    Loan and leases loss allowance $3,408
    Trading account assets $0
    Bank premises and fixed assets $12,506
    Other real estate owned $185
    Goodwill and other intangibles $2,206
    All other assets $12,468

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $671,887
    Total Liabilities $618,516
    Total deposits $579,877
    Interest-bearing deposits $408,780
    Deposits held in domestic offices $579,877
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $31,277
    Trading liabilities $0
    Other borrowed funds $713
    Subordinated debt $0
    All other liabilities $6,649

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $317,838
    Loan and leases loss allowance $3,408
    Total loans and leases (domestic) $321,246
    All real estate loans $290,074
    Real estate loans in domestic offices $290,074
    Construction and development loans $35,798
    Residential 1-4 family construction $18,054
    Other construction, all land development and other land $17,744
    Loans secured by nonfarm nonresidential properties $121,943
    Nonfarm nonresidential secured by owner-occupied properties $94,786
    Commercial real estate & other non-farm, non-residential $27,157
    Multifamily residential real estate $2,485
    1-4 family residential loans $127,082
    Farmland loans $2,766
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $27,265
    To non-U.S. addressees $0
    Loans to individuals $3,907
    Credit card loans $0
    Related Plans $174
    Consumer Auto Loans $2,296
    Other loans to individuals $1,437
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    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 $276
    Non 1-4 family restructured loans & leases $206
    Total loans and leases (foreign) $0

    Countybank had $317,838,000 of loans outstanding in 2021. $290,074,000 of loans were in real estate loans. $35,798,000 of loans were in development loans. $2,485,000 of loans were in multifamily mortgage loans. $127,082,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $2,296,000 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 234 $58,336 $249,299
    Nonfarm, nonresidential loans - <$100k 15 $812 $54,133
    Nonfarm, nonresidential loans - $100-250k 50 $6,496 $129,920
    Nonfarm, nonresidential loans - $250k-1MM 169 $51,028 $301,941
    Commercial & Industrial, US addressed loans - <$1MM 213 $19,556 $91,812
    Commercial & Industrial, US addressed loans - <$100k 146 $4,081 $27,952
    Commercial & Industrial, US addressed loans - $100-250k 30 $3,606 $120,200
    Commercial & Industrial, US addressed loans - $250k-1MM 37 $11,869 $320,784
    Farmland loans - <$1MM 5 $897 $179,400
    Farmland loans - <$100k 1 $69 $69,000
    Farmland loans - $100-250k 1 $134 $134,000
    Farmland loans - $250k-1MM 3 $694 $231,333