Citizens Bank Of Las Cruces Mortgage Rates, Fees & Info

Las Cruces, NM

LEI: 549300L5PE7ZGYRW5Q15

Tax ID: 85-0207454

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
  • 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

    Citizens Bank Of Las Cruces is a smaller bank specializing in Home Purchase loans. Citizens Bank Of Las Cruces has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Las Cruces, El Paso, Danville, Alamogordo, and Albuquerque among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Bank Of Las Cruces has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Citizens Bank Of Las Cruces 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 6.73% 4/21/24
    30 Year Conventional Refi 6.69% 4/21/24
    30 Year Cash-out Refi 6.91% 4/21/24
    30 Year FHA Purchase 7.31% 4/21/24
    30 Year FHA Refi 7.38% 4/21/24
    30 Year VA Purchase 6.43% 4/21/24
    15 Year Conventional Purchase 7.15% 4/21/24
    15 Year Conventional Refi 6.15% 4/21/24
    15 Year Cash-out Refi 6.15% 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.

    Citizens Bank Of Las Cruces Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Citizens Bank Of Las Cruces. 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

    898

    Origination Dollar Volume (All Markets)

    $202,710,000

    Employee count

    117 Show all (10) 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
    LAS CRUCES, NM (FHA|USDA|VA) 816 $180,020,000 $220,613 $3,089 2.97%
    EL PASO, TX (FHA|USDA|VA) 23 $6,855,000 $298,043 $4,020 3.08%
    Danville, VA (FHA|USDA|VA) 1 $4,485,000 $4,485,000 $0 4.75%
    Outside of Metro Areas 24 $2,750,000 $114,583 $2,378 3.80%
    Alamogordo, NM (FHA|USDA|VA) 9 $1,685,000 $187,222 $3,603 2.96%
    ALBUQUERQUE, NM (FHA|USDA|VA) 7 $1,665,000 $237,857 $3,074 3.00%
    Ruidoso, NM (FHA|USDA|VA) 5 $1,425,000 $285,000 $2,690 2.93%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $820,000 $410,000 $6,635 2.75%
    Deming, NM (FHA|USDA|VA) 4 $690,000 $172,500 $2,010 3.44%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $545,000 $545,000 $4,180 2.63%
    SANTA FE, NM (FHA|USDA|VA) 1 $525,000 $525,000 $4,878 2.88%
    WACO, TX (FHA|USDA|VA) 1 $405,000 $405,000 $0 4.25%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $405,000 $405,000 $3,480 2.75%
    TUCSON, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $2,297 3.13%
    TYLER, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,247 3.25%
    LUBBOCK, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.50%
    Citizens Bank Of Las Cruces's top markets include Las Cruces, El Paso, Danville, Alamogordo, and Albuquerque among others.

    Their top states include:
  • New Mexico (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Similar Lenders

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

    GECU
    Similarity Rank: 124
    EVOLVE
    Similarity Rank: 272
    EL PASO AREA TEACHERS
    Similarity Rank: 510
    PATRIOT MORTGAGE COMPANY
    Similarity Rank: 696
    Citizens Bank of Las Cruces
    Similarity Rank: 1024
    First American Bank
    Similarity Rank: 1054
    Rocky Mountain Mortgage Company
    Similarity Rank: 1290
    SECURITY SERVICE
    Similarity Rank: 1344
    FirstLight Federal Credit Union
    Similarity Rank: 1560
    CADENCE LENDING GROUP, INC.
    Similarity Rank: 1924

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 767 $170,365,000 $222,119 $2,469 3.04%
    FHA 72 $14,870,000 $206,528 $5,979 2.78%
    VA 59 $17,475,000 $296,186 $6,750 2.74%

    For 2021, Citizens Bank Of Las Cruces's most frequently originated type of loan was Conventional, with 767 originations. Their 2nd most popular type was FHA, with 72 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 627 $149,475,000 $238,397 $3,535 3.03%
    Refi 174 $33,240,000 $191,034 $1,972 2.74%
    Cash Out Refi 78 $16,440,000 $210,769 $2,425 3.17%
    Home Improvement 14 $2,890,000 $206,429 $2,578 3.53%
    Other 5 $665,000 $133,000 $1,923 3.80%

    For 2021, Citizens Bank Of Las Cruces's most frequently cited loan purpose was Home Purchase, with 627 originations. The 2nd most popular reason was Refi, with 174 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 718 $165,010,000 $229,819 $3,295 2.98%
    15 Year 121 $22,365,000 $184,835 $2,181 2.73%
    10 Year 22 $3,730,000 $169,545 $2,009 3.94%
    20 Year 22 $4,210,000 $191,364 $2,294 2.99%
    5 Year 11 $5,815,000 $528,636 $0 4.96%
    Other 4 $1,580,000 $395,000 $1,520 3.19%

    For 2021, Citizens Bank Of Las Cruces's most frequently cited loan duration was 30 Year, with 718 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 710 $160,900,000 $226,620
    $1k-2k 48 $11,340,000 $236,250
    $2k-3k 26 $6,280,000 $241,538
    $3k-4k 8 $2,250,000 $281,250
    $4k-5k 5 $1,435,000 $287,000
    $5k+ 4 $1,470,000 $367,500

    Citizens Bank Of Las Cruces's average total fees were $3,295, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 710 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 448 $107,180,000 $239,241
    3-4% 233 $49,705,000 $213,326
    <2.5% 169 $33,795,000 $199,970
    4-5% 28 $10,610,000 $378,929
    5-6% 14 $1,090,000 $77,857
    6-7% 6 $330,000 $55,000

    During 2021, Citizens Bank Of Las Cruces's average interest rate for loans was 2.98%, while their most frequently originated rate bucket for loans was 2.5-3%, with 448 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 409 $109,405,000 $267,494 $3,619 2.91%
    $100k-200k 355 $54,905,000 $154,662 $2,451 2.94%
    $100,000 or less 75 $5,405,000 $72,067 $1,637 3.76%
    $400k-600k 55 $26,025,000 $473,182 $4,132 2.92%
    $1MM+ 2 $5,500,000 $2,750,000 $0 4.63%
    $600k-1MM 2 $1,470,000 $735,000 $4,715 3.83%

    2021 saw Citizens Bank Of Las Cruces place emphasis on $200k-400k loans with 409 originations, totaling $109,405,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 222 $44,480,000 $200,360 $3,257 3.02%
    $75k-100k 184 $40,470,000 $219,946 $3,067 2.93%
    $100k-150k 174 $43,890,000 $252,241 $3,451 3.01%
    $50k or less 141 $20,985,000 $148,830 $2,670 2.96%
    $150k-250k 117 $29,975,000 $256,197 $2,864 2.96%
    $250k+ 48 $15,210,000 $316,875 $3,216 3.07%

    Citizens Bank Of Las Cruces lent most frequently to those with incomes in the $50k-75k range, with 222 originations. The second most popular income band? $75k-100k, with 184 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 207 $44,015,000 $212,633 $2,545 2.93%
    30-36% 176 $41,400,000 $235,227 $3,300 2.99%
    <20% 118 $23,210,000 $196,695 $2,608 2.88%
    42% 40 $7,710,000 $192,750 $2,427 3.11%
    36% 36 $6,930,000 $192,500 $3,233 2.81%
    39% 34 $6,160,000 $181,176 $2,820 3.00%
    41% 30 $6,480,000 $216,000 $3,815 2.88%
    43% 29 $7,015,000 $241,897 $2,992 2.98%
    40% 27 $7,385,000 $273,519 $3,473 2.86%
    38% 26 $6,640,000 $255,385 $3,248 3.13%
    44% 25 $6,805,000 $272,200 $3,569 3.23%
    49% 24 $5,280,000 $220,000 $3,687 3.01%
    37% 23 $5,595,000 $243,261 $3,033 3.02%
    46% 22 $4,880,000 $221,818 $4,566 3.09%
    45% 20 $4,200,000 $210,000 $4,650 2.74%
    48% 16 $3,930,000 $245,625 $2,968 3.09%
    47% 12 $3,300,000 $275,000 $3,575 2.99%
    50-60% 11 $2,695,000 $245,000 $6,804 2.68%

    Citizens Bank Of Las Cruces lent most frequently to those with DTI ratios of 20-30%, with 207 originations. The next most common DTI ratio? 30-36%, with 176 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 744 $163,340,000 $219,543 $3,073 2.98%
    Not provided 104 $22,560,000 $216,923 $2,954 3.01%
    Not applicable 7 $6,685,000 $955,000 $0 4.85%
    Asian 17 $4,165,000 $245,000 $3,106 2.93%
    Black 14 $3,120,000 $222,857 $4,218 3.13%
    American Indian 11 $2,635,000 $239,545 $4,833 3.02%
    Asian Indian 1 $205,000 $205,000 $2,231 2.63%

    Approval Rates

    Total approvals of all applications
    96.74%

    Citizens Bank Of Las Cruces 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
    91.20%

    Citizens Bank Of Las Cruces has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    2014.84 1 $175,000 $175,000
    485.5 1 $25,000 $25,000
    580.5 1 $35,000 $35,000
    598.35 1 $35,000 $35,000
    690.15 1 $45,000 $45,000
    767.06 1 $45,000 $45,000
    NA 892 $202,350,000 $226,850

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    898 $202,710,000 $225,735

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 41 $5,495,000 $134,024 $1,918 2.81%
    40-60% 76 $12,350,000 $162,500 $2,144 2.89%
    60-80% 381 $87,165,000 $228,780 $2,433 3.13%
    80-100% 376 $91,600,000 $243,617 $3,485 2.92%
    Over 100% 20 $5,910,000 $295,500 $12,031 2.74%
    Under 20% 4 $190,000 $47,500 $743 3.12%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Bank of Las Cruces 1920 N. Date Street Truth Or Consequences, NM 87901 Full Service B&M $57,165
    Citizens Bank of Las Cruces 2500 N Mesa St, Ste A El Paso, TX 79902 Full Service B&M $9,698
    Citizens Bank of Las Cruces 2841 N Main St Las Cruces, NM 88001 Full Service B&M $44,411
    Citizens Bank of Las Cruces 3030 W Picacho Ave Las Cruces, NM 88007 Full Service B&M $71,710
    Citizens Bank of Las Cruces 3065 East University Avenue Las Cruces, NM 88011 Full Service B&M $64,128
    Citizens Bank of Las Cruces 3991 East Lohman Ave Las Cruces, NM 88011 Full Service B&M $78,840
    Citizens Bank of Las Cruces 505 S. Main Street Las Cruces, NM 88001 Full Service B&M $461,475

    For 2021, Citizens Bank Of Las Cruces had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $28,770
    Net interest income $27,523
    Total noninterest income $9,528
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $869
    Trading account gains and fees $0
    Additional Noninterest Income $8,659
    Pre-tax net operating income $15,913
    Securities gains (or losses, -) $2,192
    Income before extraordinary items $18,105
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $18,105
    Minority interest net income $0
    Net income $18,105
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,913

    Citizens Bank Of Las Cruces's gross interest income from loans was $28,770,000.
    Citizens Bank Of Las Cruces's net interest income from loans was $27,523,000.
    Citizens Bank Of Las Cruces's fee based income from loans was $869,000.
    Citizens Bank Of Las Cruces's net income from loans was $18,105,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,247
    Provision for credit losses $540
    Total noninterest expense $20,598
    Salaries and employee benefits $13,499
    Premises and equipment expense $1,497
    Additional noninterest expense $5,602
    Applicable income taxes $0
    Net charge-offs $-2
    Cash dividends $12,070

    Citizens Bank Of Las Cruces's interest expense for loans was $1,247,000.
    Citizens Bank Of Las Cruces's payroll and benefits expense were $13,499,000.
    Citizens Bank Of Las Cruces's property, plant and equipment expenses $1,497,000.

    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 $819,947
    Deposits held in domestic offices $819,947
    Deposits by Individuals, partnerships, and corporations $767,110
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $52,836
    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 $481,704
    Demand deposits $357,650
    Nontransaction accounts $338,242
    Money market deposit accounts (MMDAs) $153,320
    Other savings deposits (excluding MMDAs) $117,582
    Total time deposits $67,340
    Total time and savings deposits $462,296
    Noninterest-bearing deposits $357,659
    Interest-bearing deposits $462,288
    Retail deposits $802,110
    IRAs and Keogh plan accounts $8,581
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $905,074
    Cash & Balances due from depository institutions $222,946
    Interest-bearing balances $215,031
    Total securities $131,135
    Federal funds sold & reverse repurchase $0
    Net loans and leases $520,601
    Loan and leases loss allowance $8,882
    Trading account assets $0
    Bank premises and fixed assets $12,416
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $17,976

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $905,074
    Total Liabilities $825,408
    Total deposits $819,947
    Interest-bearing deposits $462,288
    Deposits held in domestic offices $819,947
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $5,461

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $520,601
    Loan and leases loss allowance $8,882
    Total loans and leases (domestic) $529,483
    All real estate loans $416,664
    Real estate loans in domestic offices $416,664
    Construction and development loans $134,422
    Residential 1-4 family construction $42,266
    Other construction, all land development and other land $92,156
    Loans secured by nonfarm nonresidential properties $192,001
    Nonfarm nonresidential secured by owner-occupied properties $59,189
    Commercial real estate & other non-farm, non-residential $132,812
    Multifamily residential real estate $43,192
    1-4 family residential loans $45,855
    Farmland loans $1,194
    Loans held in foreign offices $0
    Farm loans $1,143
    Commercial and industrial loans $108,364
    To non-U.S. addressees $0
    Loans to individuals $2,349
    Credit card loans $711
    Related Plans $159
    Consumer Auto Loans $790
    Other loans to individuals $689
    All other loans & leases $964
    Loans to foreign governments and official institutions $0
    Other loans $80
    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 $294
    Non 1-4 family restructured loans & leases $73
    Total loans and leases (foreign) $0

    Citizens Bank of Las Cruces had $520,601,000 of loans outstanding in 2021. $416,664,000 of loans were in real estate loans. $134,422,000 of loans were in development loans. $43,192,000 of loans were in multifamily mortgage loans. $45,855,000 of loans were in 1-4 family mortgage loans. $1,143,000 of loans were in farm loans. $711,000 of loans were in credit card loans. $790,000 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 127 $27,241 $214,496
    Nonfarm, nonresidential loans - <$100k 19 $782 $41,158
    Nonfarm, nonresidential loans - $100-250k 47 $5,155 $109,681
    Nonfarm, nonresidential loans - $250k-1MM 61 $21,304 $349,246
    Commercial & Industrial, US addressed loans - <$1MM 596 $36,480 $61,208
    Commercial & Industrial, US addressed loans - <$100k 482 $11,101 $23,031
    Commercial & Industrial, US addressed loans - $100-250k 53 $6,198 $116,943
    Commercial & Industrial, US addressed loans - $250k-1MM 61 $19,181 $314,443
    Farmland loans - <$1MM 6 $753 $125,500
    Farmland loans - <$100k 2 $48 $24,000
    Farmland loans - $100-250k 2 $201 $100,500
    Farmland loans - $250k-1MM 2 $504 $252,000
    Agriculture operations loans - <$1MM 5 $167 $33,400
    Agriculture operations loans - <$100k 5 $167 $33,400