Plains Commerce Bank Mortgage Rates, Fees & Info

Gettysburg, SD

LEI: 549300KJ8PAJ7E52HG32

Tax ID: 46-0108210

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

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Mortgage Data

Bank Data

Review & Overview

Plains Commerce Bank is a smaller bank specializing in Home Purchase and Refi loans. Plains Commerce Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Sioux Falls, Bismarck, Watertown, Aberdeen, and Minneapolis among others. We have data for 93 markets. (Some data included below & more in-depth data is available with an active subscription.)

Plains Commerce 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. Plains Commerce Bank is typically an average 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
Home Equity Line of Credit (HELOC) 6.27% 3/25/24
30 Year Conventional Purchase 6.74% 3/25/24
30 Year Conventional Refi 6.59% 3/25/24
30 Year Cash-out Refi 6.81% 3/25/24
30 Year FHA Purchase 7.28% 3/25/24
30 Year FHA Refi 6.89% 3/25/24
30 Year VA Purchase 6.13% 3/25/24
30 Year VA Refi 5.97% 3/25/24
30 Year USDA Purchase 6.71% 3/25/24
30 Year USDA Refi 6.26% 3/25/24
15 Year Conventional Purchase 6.22% 3/25/24
15 Year Conventional Refi 6.10% 3/25/24
15 Year Cash-out Refi 6.10% 3/25/24
15 Year FHA Refi 6.58% 3/25/24
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.

Plains Commerce Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Plains Commerce 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

3,375

Origination Dollar Volume (All Markets)

$687,815,000

Employee count

249 Show all (11) 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
SIOUX FALLS, SD (FHA|USDA|VA) 1,623 $356,085,000 $219,399 $4,740 4.02%
Outside of Metro Areas 531 $84,465,000 $159,068 $4,286 4.09%
BISMARCK, ND (FHA|USDA|VA) 112 $25,610,000 $228,661 $7,139 4.09%
Watertown, SD (FHA|USDA|VA) 114 $20,100,000 $176,316 $4,251 4.15%
Aberdeen, SD (FHA|USDA|VA) 112 $19,070,000 $170,268 $5,019 4.40%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 76 $18,900,000 $248,684 $5,058 4.22%
ST. GEORGE, UT (FHA|USDA|VA) 1 $18,755,000 $18,755,000 $0 4.95%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 74 $13,410,000 $181,216 $4,017 4.39%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 59 $11,885,000 $201,441 $4,892 4.09%
Mitchell, SD (FHA|USDA|VA) 56 $11,370,000 $203,036 $4,552 3.95%
Owatonna, MN (FHA|USDA|VA) 59 $9,565,000 $162,119 $5,178 4.24%
Vermillion, SD (FHA|USDA|VA) 50 $8,590,000 $171,800 $4,459 4.09%
Mason City, IA (FHA|USDA|VA) 68 $8,190,000 $120,441 $4,235 4.14%
Worthington, MN (FHA|USDA|VA) 43 $6,395,000 $148,721 $4,634 3.98%
Willmar, MN (FHA|USDA|VA) 30 $6,170,000 $205,667 $4,757 4.20%
MANKATO, MN (FHA|USDA|VA) 37 $6,005,000 $162,297 $4,115 4.03%
Brookings, SD (FHA|USDA|VA) 25 $6,005,000 $240,200 $5,524 3.90%
RAPID CITY, SD (FHA|USDA|VA) 12 $3,410,000 $284,167 $5,502 3.94%
Yankton, SD (FHA|USDA|VA) 16 $3,300,000 $206,250 $4,300 3.84%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 12 $3,120,000 $260,000 $5,007 3.80%
Marshall, MN (FHA|USDA|VA) 24 $3,100,000 $129,167 $3,502 3.95%
Spirit Lake, IA (FHA|USDA|VA) 10 $2,620,000 $262,000 $4,930 3.86%
ROCHESTER, MN (FHA|USDA|VA) 18 $2,620,000 $145,556 $4,046 4.26%
KANSAS CITY, MO-KS (FHA|USDA|VA) 16 $2,560,000 $160,000 $3,235 4.43%
Columbus, NE (FHA|USDA|VA) 12 $2,380,000 $198,333 $5,081 4.01%
New Ulm, MN (FHA|USDA|VA) 17 $2,355,000 $138,529 $4,273 4.48%
EAU CLAIRE, WI (FHA|USDA|VA) 11 $2,295,000 $208,636 $4,499 4.03%
Spearfish, SD (FHA|USDA|VA) 6 $1,570,000 $261,667 $4,418 3.71%
Clinton, IA (FHA|USDA|VA) 15 $1,515,000 $101,000 $4,369 3.89%
Lexington, NE (FHA|USDA|VA) 10 $1,400,000 $140,000 $3,862 4.34%
Menomonie, WI (FHA|USDA|VA) 6 $1,280,000 $213,333 $3,334 4.08%
Dickinson, ND (FHA|USDA|VA) 5 $1,205,000 $241,000 $6,525 4.10%
Pierre, SD (FHA|USDA|VA) 6 $1,050,000 $175,000 $5,752 4.23%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 6 $1,040,000 $173,333 $5,201 3.71%
Huron, SD (FHA|USDA|VA) 6 $1,000,000 $166,667 $3,798 4.40%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $880,000 $220,000 $5,368 3.91%
Brainerd, MN (FHA|USDA|VA) 3 $835,000 $278,333 $5,851 3.92%
TULSA, OK (FHA|USDA|VA) 3 $825,000 $275,000 $6,069 3.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $755,000 $755,000 $12,310 5.25%
ST. CLOUD, MN (FHA|USDA|VA) 2 $730,000 $365,000 $5,360 4.19%
Fairmont, MN (FHA|USDA|VA) 7 $645,000 $92,143 $5,331 4.30%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 5 $645,000 $129,000 $3,037 4.58%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $585,000 $585,000 $12,370 3.75%
Albert Lea, MN (FHA|USDA|VA) 5 $575,000 $115,000 $4,534 3.80%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $560,000 $280,000 $4,437 3.75%
MADISON, WI (FHA|USDA|VA) 2 $530,000 $265,000 $4,532 3.62%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $520,000 $260,000 $5,194 3.81%
Faribault-Northfield, MN (FHA|USDA|VA) 2 $510,000 $255,000 $4,768 3.50%
MIDLAND, TX (FHA|USDA|VA) 1 $495,000 $495,000 $9,130 3.75%
FARGO, ND-MN (FHA|USDA|VA) 2 $470,000 $235,000 $9,065 4.00%
Sterling, IL (FHA|USDA|VA) 4 $450,000 $112,500 $4,160 3.81%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $445,000 $445,000 $5,265 4.13%
Hilo, HI (FHA|USDA|VA) 1 $405,000 $405,000 $6,575 3.38%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $395,000 $395,000 $5,982 3.38%
GRAND ISLAND, NE (FHA|USDA|VA) 2 $370,000 $185,000 $3,355 4.13%
AMES, IA (FHA|USDA|VA) 2 $370,000 $185,000 $3,347 3.94%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $345,000 $345,000 $4,932 4.75%
Williston, ND (FHA|USDA|VA) 2 $340,000 $170,000 $4,294 4.06%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $335,000 $335,000 $5,762 3.88%
Whitewater, WI (FHA|USDA|VA) 1 $305,000 $305,000 $3,349 3.99%
Rochelle, IL (FHA|USDA|VA) 2 $290,000 $145,000 $5,518 4.31%
Minot, ND (FHA|USDA|VA) 2 $290,000 $145,000 $4,821 4.56%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $275,000 $275,000 $11,645 3.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $275,000 $275,000 $4,938 3.49%
Jamestown, ND (FHA|USDA|VA) 2 $260,000 $130,000 $4,109 4.63%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $255,000 $255,000 $7,964 4.00%
Fremont, NE (FHA|USDA|VA) 1 $225,000 $225,000 $7,450 3.75%
Austin, MN (FHA|USDA|VA) 2 $220,000 $110,000 $3,899 4.50%
CASPER, WY (FHA|USDA|VA) 1 $215,000 $215,000 $10,699 3.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $215,000 $215,000 $4,574 3.38%
Fergus Falls, MN (FHA|USDA|VA) 2 $210,000 $105,000 $3,470 3.94%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $205,000 $205,000 $8,036 4.50%
Riverton, WY (FHA|USDA|VA) 1 $205,000 $205,000 $5,317 3.25%
Glenwood Springs, CO (FHA|USDA|VA) 1 $205,000 $205,000 $5,366 3.50%
Freeport, IL (FHA|USDA|VA) 2 $200,000 $100,000 $2,417 4.25%
Alexandria, MN (FHA|USDA|VA) 1 $195,000 $195,000 $4,922 3.50%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $185,000 $185,000 $9,533 3.25%
Marshalltown, IA (FHA|USDA|VA) 1 $185,000 $185,000 $6,671 3.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $185,000 $185,000 $5,369 4.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $4,237 4.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,545 3.75%
Kearney, NE (FHA|USDA|VA) 1 $165,000 $165,000 $3,031 4.88%
Hutchinson, MN (FHA|USDA|VA) 1 $155,000 $155,000 $3,273 4.25%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,991 3.63%
Norfolk, NE (FHA|USDA|VA) 1 $145,000 $145,000 $5,472 3.50%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $135,000 $135,000 $2,554 4.38%
WACO, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,652 4.00%
Muskogee, OK (FHA|USDA|VA) 1 $125,000 $125,000 $2,538 4.13%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,754 3.99%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,878 3.88%
Winona, MN (FHA|USDA|VA) 1 $95,000 $95,000 $2,451 4.75%
Branson, MO (FHA|USDA|VA) 1 $75,000 $75,000 $2,362 4.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $35,000 $35,000 $2,696 4.88%
Plains Commerce Bank's top markets include Sioux Falls, Bismarck, Watertown, Aberdeen, and Minneapolis among others.

Their top states include:
  • South Dakota (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • North Dakota (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Similar Lenders

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

    CENTRAL MINNESOTA Credit Union
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    SIOUXLAND FEDERAL CREDIT UNION
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    MID AMERICAN
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    HAWAIIAN FINANCIAL
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,295 $496,215,000 $216,216 $3,992 4.13%
    FHA 704 $117,740,000 $167,244 $6,496 4.06%
    VA 199 $47,705,000 $239,724 $6,018 3.65%
    USDA 177 $26,155,000 $147,768 $5,169 3.84%

    For 2019, Plains Commerce Bank's most frequently originated type of loan was Conventional, with 2,295 originations. Their 2nd most popular type was FHA, with 704 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,208 $436,180,000 $197,545 $4,978 4.13%
    Refi 729 $166,865,000 $228,896 $4,103 3.80%
    Cash Out Refi 382 $78,550,000 $205,628 $4,622 4.07%
    Other 39 $5,145,000 $131,923 $2,597 5.29%
    Home Improvement 17 $1,075,000 $63,235 $1,406 5.72%

    For 2019, Plains Commerce Bank's most frequently cited loan purpose was Home Purchase, with 2,208 originations. The 2nd most popular reason was Refi, with 729 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,697 $542,035,000 $200,977 $4,988 4.11%
    15 Year 407 $78,365,000 $192,543 $3,786 3.39%
    20 Year 111 $26,125,000 $235,360 $4,381 3.82%
    Other 58 $27,320,000 $471,034 $1,739 5.75%
    1 Year 48 $7,200,000 $150,000 $1,268 5.58%
    5 Year 32 $5,260,000 $164,375 $2,016 5.57%
    10 Year 22 $1,510,000 $68,636 $1,919 4.13%

    For 2019, Plains Commerce Bank's most frequently cited loan duration was 30 Year, with 2,697 originations. The 2nd most popular length was 15 Year, with 407 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 1,147 $234,165,000 $204,154
    $1k-2k 1,121 $153,125,000 $136,597
    $3k-4k 440 $123,220,000 $280,045
    $<1k 325 $30,565,000 $94,046
    $4k-5k 213 $79,915,000 $375,188
    $5k+ 84 $37,270,000 $443,690

    Plains Commerce Bank's average total fees were $4,988, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 1,147 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,842 $386,260,000 $209,696
    4-5% 1,090 $226,840,000 $208,110
    5-6% 284 $42,510,000 $149,683
    2.5-3% 134 $29,770,000 $222,164
    6-7% 11 $1,875,000 $170,455
    7-8% 7 $185,000 $26,429
    Over 8% 7 $375,000 $53,571

    During 2019, Plains Commerce Bank's average interest rate for loans was 4.11%, while their most frequently originated rate bucket for loans was 3-4%, with 1,842 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,537 $235,615,000 $153,295 $4,198 4.05%
    $200k-400k 1,186 $312,990,000 $263,904 $5,689 3.93%
    $100,000 or less 476 $32,420,000 $68,109 $2,846 4.55%
    $400k-600k 162 $74,870,000 $462,160 $7,218 3.95%
    $600k-1MM 11 $8,435,000 $766,818 $9,930 4.94%
    $1MM+ 3 $23,485,000 $7,828,333 $20,284 5.03%

    2019 saw Plains Commerce Bank place emphasis on $100k-200k loans with 1,537 originations, totaling $235,615,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 921 $159,015,000 $172,655 $4,591 4.11%
    $50k or less 769 $97,995,000 $127,432 $4,309 4.10%
    $75k-100k 592 $118,310,000 $199,848 $4,863 4.03%
    $100k-150k 588 $145,540,000 $247,517 $4,870 4.03%
    $150k-250k 279 $83,725,000 $300,090 $5,380 4.07%
    $250k+ 86 $30,940,000 $359,767 $5,920 3.99%

    Plains Commerce Bank lent most frequently to those with incomes in the $50k-75k range, with 921 originations. The second most popular income band? $50k or less, with 769 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 726 $141,430,000 $194,807 $4,293 4.02%
    30-36% 623 $122,255,000 $196,236 $4,406 4.08%
    50-60% 218 $43,020,000 $197,339 $7,136 3.95%
    <20% 209 $39,455,000 $188,780 $3,876 3.95%
    39% 143 $28,615,000 $200,105 $4,806 4.19%
    42% 139 $28,215,000 $202,986 $4,861 4.17%
    40% 138 $27,200,000 $197,101 $4,715 4.23%
    44% 134 $27,130,000 $202,463 $4,781 4.09%
    37% 127 $24,355,000 $191,772 $4,737 4.03%
    43% 121 $23,135,000 $191,198 $4,725 4.12%
    38% 114 $22,210,000 $194,825 $4,964 4.10%
    41% 113 $23,205,000 $205,354 $4,880 4.23%
    36% 107 $20,125,000 $188,084 $4,534 4.00%
    46% 80 $14,830,000 $185,375 $4,887 4.12%
    48% 68 $14,450,000 $212,500 $5,016 3.97%
    45% 66 $13,850,000 $209,848 $5,145 4.06%
    49% 64 $13,410,000 $209,531 $5,366 4.18%
    47% 64 $12,040,000 $188,125 $4,724 4.00%
    >60% 6 $1,160,000 $193,333 $5,278 3.54%

    Plains Commerce Bank lent most frequently to those with DTI ratios of 20-30%, with 726 originations. The next most common DTI ratio? 30-36%, with 623 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,193 $633,925,000 $198,536 $4,672 4.06%
    Not applicable 30 $25,870,000 $862,333 $0 5.49%
    Not provided 53 $8,785,000 $165,755 $4,610 4.10%
    Black 43 $7,875,000 $183,140 $6,203 3.99%
    Asian 35 $7,315,000 $209,000 $5,195 4.05%
    American Indian 16 $2,980,000 $186,250 $6,370 3.97%
    Asian Indian 2 $600,000 $300,000 $5,645 4.50%
    Native Hawaiian or Islander 3 $465,000 $155,000 $5,213 3.88%

    Approval Rates

    Total approvals of all applications
    94.60%

    Plains Commerce Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    54.04%

    Plains Commerce Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,375 $687,815,000 $203,797

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $25,075,000 $2,786,111
    Single Family (1-4 Units):Manufactured 24 $2,980,000 $124,167
    Single Family (1-4 Units):Site-Built 3,342 $659,760,000 $197,415

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 81 $8,105,000 $100,062 $2,200 4.54%
    40-60% 215 $39,065,000 $181,698 $3,718 3.81%
    60-80% 821 $194,685,000 $237,132 $4,151 4.03%
    80-100% 2,181 $437,655,000 $200,667 $5,111 4.06%
    Over 100% 29 $6,785,000 $233,966 $9,524 3.82%
    Under 20% 48 $1,520,000 $31,667 $719 5.93%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Plains Commerce Bank 109 First Avenue Southeast Watertown, SD 57201 Full Service B&M $106,186
    Plains Commerce Bank 1130 South Burr Street, Suite 100 Mitchell, SD 57301 Full Service B&M $9,666
    Plains Commerce Bank 1411 East 10th Street Sioux Falls, SD 57103 Full Service B&M $20,528
    Plains Commerce Bank 220 Main Street, Po Box 7 Hoven, SD 57450 Full Service B&M $83,185
    Plains Commerce Bank 280 Broadway St Conde, SD 57434 Full Service B&M $12,904
    Plains Commerce Bank 3905 West 49th Street Sioux Falls, SD 57106 Full Service B&M $107,230
    Plains Commerce Bank 404 South 3rd Street Bismarck, ND 58504 Full Service B&M $37,238
    Plains Commerce Bank 524 South Dakota Street Aberdeen, SD 57401 Full Service B&M $178,128
    Plains Commerce Bank 920 Fifth Street S.E. Watertown, SD 57201 Full Service B&M $4,749

    For 2019, Plains Commerce Bank had 9 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $34,905
    Net interest income $26,650
    Total noninterest income $23,685
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $322
    Trading account gains and fees $0
    Additional Noninterest Income $23,363
    Pre-tax net operating income $11,101
    Securities gains (or losses, -) $122
    Income before extraordinary items $10,726
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $10,726
    Minority interest net income $0
    Net income $10,726
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $10,608

    Plains Commerce Bank's gross interest income from loans was $34,905,000.
    Plains Commerce Bank's net interest income from loans was $26,650,000.
    Plains Commerce Bank's fee based income from loans was $322,000.
    Plains Commerce Bank's net income from loans was $10,726,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,255
    Provision for credit losses $300
    Total noninterest expense $38,934
    Salaries and employee benefits $25,166
    Premises and equipment expense $1,780
    Additional noninterest expense $11,988
    Applicable income taxes $497
    Net charge-offs $-128
    Cash dividends $6,676

    Plains Commerce Bank's interest expense for loans was $8,255,000.
    Plains Commerce Bank's payroll and benefits expense were $25,166,000.
    Plains Commerce Bank's property, plant and equipment expenses $1,780,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 3.0%
    Real Estate loans 3.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 4.0%
    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 1.0%
    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 $605,244
    Deposits held in domestic offices $605,244
    Deposits by Individuals, partnerships, and corporations $541,954
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $18,270
    Deposits by Commercial banks and other depository institutions in U.S. $45,020
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $141,002
    Demand deposits $87,997
    Nontransaction accounts $464,242
    Money market deposit accounts (MMDAs) $46,647
    Other savings deposits (excluding MMDAs) $77,912
    Total time deposits $339,683
    Total time and savings deposits $517,247
    Noninterest-bearing deposits $88,290
    Interest-bearing deposits $516,954
    Retail deposits $534,275
    IRAs and Keogh plan accounts $27,487
    Brokered deposits $20,289
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $707,275
    Cash & Balances due from depository institutions $56,987
    Interest-bearing balances $44,002
    Total securities $50,449
    Federal funds sold & reverse repurchase $17,093
    Net loans and leases $544,281
    Loan and leases loss allowance $8,239
    Trading account assets $0
    Bank premises and fixed assets $16,003
    Other real estate owned $617
    Goodwill and other intangibles $9,010
    All other assets $12,835

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $707,275
    Total Liabilities $610,665
    Total deposits $605,244
    Interest-bearing deposits $516,954
    Deposits held in domestic offices $605,244
    % insured (estimated) $85
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $5,421

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $544,281
    Loan and leases loss allowance $8,239
    Total loans and leases (domestic) $552,520
    All real estate loans $432,682
    Real estate loans in domestic offices $432,682
    Construction and development loans $75,808
    Residential 1-4 family construction $41,023
    Other construction, all land development and other land $34,785
    Loans secured by nonfarm nonresidential properties $103,021
    Nonfarm nonresidential secured by owner-occupied properties $40,522
    Commercial real estate & other non-farm, non-residential $62,499
    Multifamily residential real estate $15,314
    1-4 family residential loans $87,687
    Farmland loans $150,852
    Loans held in foreign offices $0
    Farm loans $52,188
    Commercial and industrial loans $60,382
    To non-U.S. addressees $0
    Loans to individuals $5,641
    Credit card loans $1,070
    Related Plans $92
    Consumer Auto Loans $1,255
    Other loans to individuals $3,224
    All other loans & leases $1,627
    Loans to foreign governments and official institutions $0
    Other loans $408
    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 $3,655
    Non 1-4 family restructured loans & leases $3,655
    Total loans and leases (foreign) $0

    Plains Commerce Bank had $544,281,000 of loans outstanding in 2019. $432,682,000 of loans were in real estate loans. $75,808,000 of loans were in development loans. $15,314,000 of loans were in multifamily mortgage loans. $87,687,000 of loans were in 1-4 family mortgage loans. $52,188,000 of loans were in farm loans. $1,070,000 of loans were in credit card loans. $1,255,000 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 146 $33,386 $228,671
    Nonfarm, nonresidential loans - <$100k 34 $1,335 $39,265
    Nonfarm, nonresidential loans - $100-250k 49 $7,187 $146,673
    Nonfarm, nonresidential loans - $250k-1MM 63 $24,864 $394,667
    Commercial & Industrial, US addressed loans - <$1MM 320 $30,725 $96,016
    Commercial & Industrial, US addressed loans - <$100k 192 $4,449 $23,172
    Commercial & Industrial, US addressed loans - $100-250k 66 $7,938 $120,273
    Commercial & Industrial, US addressed loans - $250k-1MM 62 $18,338 $295,774
    Farmland loans - <$1MM 491 $76,212 $155,218
    Farmland loans - <$100k 174 $5,850 $33,621
    Farmland loans - $100-250k 155 $19,986 $128,942
    Farmland loans - $250k-1MM 162 $50,376 $310,963
    Agriculture operations loans - <$1MM 354 $29,317 $82,816
    Agriculture operations loans - <$100k 217 $5,038 $23,217
    Agriculture operations loans - $100-250k 78 $8,031 $102,962
    Agriculture operations loans - $250k-1MM 59 $16,248 $275,390