Fcb Banks Mortgage Rates, Fees & Info

Collinsville, IL

LEI: 549300L8JRY60EOROT34

Tax ID: 37-0458520

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

Jump to:

  • 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

    Fcb Banks is a smaller bank specializing in Home Purchase and Refi loans. Fcb Banks 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: St. Louis, Carbondale, Crestview, Naples, and Mount Vernon among others. We have data for 40 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Fcb Banks 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. Fcb Banks 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
    Home Equity Line of Credit (HELOC) 6.27% 4/21/24
    30 Year Conventional Purchase 6.43% 4/21/24
    30 Year Conventional Refi 6.43% 4/21/24
    30 Year Cash-out Refi 6.53% 4/21/24
    30 Year FHA Purchase 7.07% 4/21/24
    30 Year FHA Refi 6.97% 4/21/24
    30 Year VA Purchase 6.03% 4/21/24
    30 Year VA Refi 5.89% 4/21/24
    30 Year USDA Purchase 6.29% 4/21/24
    15 Year Conventional Purchase 5.74% 4/21/24
    15 Year Conventional Refi 5.84% 4/21/24
    15 Year Cash-out Refi 5.84% 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.

    Fcb Banks Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Fcb Banks. 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

    2,892

    Origination Dollar Volume (All Markets)

    $583,350,000

    Employee count

    202 Show all (18) 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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2,709 $541,115,000 $199,747 $2,001 3.04%
    Outside of Metro Areas 102 $19,890,000 $195,000 $2,370 3.13%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 10 $2,150,000 $215,000 $2,321 3.21%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,490,000 $372,500 $4,248 3.03%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,390,000 $695,000 $8,281 3.98%
    Mount Vernon, IL (FHA|USDA|VA) 5 $1,375,000 $275,000 $1,671 3.63%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,365,000 $455,000 $4,377 2.95%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,105,000 $368,333 $4,051 2.29%
    Centralia, IL (FHA|USDA|VA) 8 $1,050,000 $131,250 $1,659 2.97%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $950,000 $237,500 $2,466 3.15%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $900,000 $450,000 $4,544 2.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $855,000 $855,000 $5,911 3.50%
    PEORIA, IL (FHA|USDA|VA) 2 $820,000 $410,000 $2,149 2.63%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $780,000 $390,000 $5,785 3.38%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $710,000 $355,000 $0 4.20%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $710,000 $355,000 $7,434 2.56%
    OCALA, FL (FHA|USDA|VA) 1 $705,000 $705,000 $0 4.00%
    SPRINGFIELD, IL (FHA|USDA|VA) 3 $625,000 $208,333 $2,137 2.67%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $595,000 $198,333 $2,060 2.67%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $560,000 $280,000 $0 4.03%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $495,000 $495,000 $4,068 2.75%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $415,000 $415,000 $2,402 3.13%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $405,000 $405,000 $2,366 4.25%
    DECATUR, IL (FHA|USDA|VA) 2 $270,000 $135,000 $1,697 2.94%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,715 3.00%
    TUCSON, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $10,016 2.25%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $225,000 $225,000 $2,349 2.75%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,455 4.35%
    COLUMBIA, MO (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.10%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,725 4.35%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $185,000 $185,000 $1,845 2.75%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $175,000 $175,000 $1,340 3.50%
    Taylorville, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,555 2.25%
    YUBA CITY, CA (FHA|USDA|VA) 1 $135,000 $135,000 $2,237 2.75%
    McPherson, KS (FHA|USDA|VA) 1 $135,000 $135,000 $2,189 2.88%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,354 2.88%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,861 2.25%
    MOBILE, AL (FHA|USDA|VA) 2 $120,000 $60,000 $0 3.06%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $105,000 $105,000 $2,856 2.38%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.00%
    Fcb Banks's top markets include St. Louis, Carbondale, Crestview, Naples, and Mount Vernon among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)

    • Similar Lenders

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

    Town & Country Bank
    Similarity Rank: 328
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 370
    CapGrow Home Mortgage, LLC
    Similarity Rank: 552
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 627
    JERSEY STATE BANK
    Similarity Rank: 725
    HNB National Bank
    Similarity Rank: 910
    First National Bank of Waterloo
    Similarity Rank: 938
    VANTAGE Credit Union
    Similarity Rank: 1010
    Providence Bank
    Similarity Rank: 1102
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1260

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,698 $546,600,000 $202,595 $1,880 3.09%
    VA 94 $21,670,000 $230,532 $3,405 2.41%
    FHA 66 $10,320,000 $156,364 $4,841 2.54%
    USDA 34 $4,760,000 $140,000 $3,540 2.41%

    For 2021, Fcb Banks's most frequently originated type of loan was Conventional, with 2,698 originations. Their 2nd most popular type was VA, with 94 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,278 $293,580,000 $229,718 $2,552 3.29%
    Refi 1,218 $221,320,000 $181,708 $1,698 2.77%
    Cash Out Refi 325 $59,555,000 $183,246 $1,989 2.94%
    Home Improvement 39 $5,775,000 $148,077 $1,335 4.02%
    Other 32 $3,120,000 $97,500 $1,150 3.83%

    For 2021, Fcb Banks's most frequently cited loan purpose was Home Purchase, with 1,278 originations. The 2nd most popular reason was Refi, with 1,218 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,140 $230,840,000 $202,491 $2,320 2.78%
    Other 805 $171,815,000 $213,435 $1,820 3.87%
    15 Year 591 $94,825,000 $160,448 $1,793 2.37%
    20 Year 172 $31,270,000 $181,802 $1,836 2.72%
    5 Year 82 $36,520,000 $445,366 $0 4.00%
    3 Year 57 $12,455,000 $218,509 $0 3.99%
    10 Year 45 $5,625,000 $125,000 $1,703 2.39%

    For 2021, Fcb Banks's most frequently cited loan duration was 30 Year, with 1,140 originations. The 2nd most popular length was Other, with 805 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,293 $422,975,000 $184,464
    $1k-2k 69 $18,635,000 $270,072
    $2k-3k 33 $12,965,000 $392,879
    $3k-4k 6 $2,740,000 $456,667
    $4k-5k 2 $1,790,000 $895,000
    $5k+ 2 $3,280,000 $1,640,000

    Fcb Banks's average total fees were $2,320, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,293 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 873 $148,885,000 $170,544
    2.5-3% 873 $183,585,000 $210,292
    3-4% 774 $195,260,000 $252,274
    4-5% 369 $55,315,000 $149,905
    5-6% 1 $85,000 $85,000

    During 2021, Fcb Banks's average interest rate for loans was 2.78%, while their most frequently originated rate bucket for loans was <2.5%, with 873 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,265 $186,215,000 $147,206 $1,911 2.93%
    $200k-400k 849 $229,645,000 $270,489 $2,277 2.95%
    $100,000 or less 623 $43,375,000 $69,623 $1,637 3.34%
    $400k-600k 116 $54,200,000 $467,241 $2,909 3.19%
    $600k-1MM 22 $16,990,000 $772,273 $4,393 3.90%
    $1MM+ 17 $52,925,000 $3,113,235 $6,931 3.68%

    2021 saw Fcb Banks place emphasis on $100k-200k loans with 1,265 originations, totaling $186,215,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 653 $137,695,000 $210,865 $2,040 2.97%
    $50k-75k 545 $76,325,000 $140,046 $2,027 2.89%
    $75k-100k 501 $87,905,000 $175,459 $2,003 2.95%
    $150k-250k 390 $98,750,000 $253,205 $2,162 3.01%
    $50k or less 365 $37,905,000 $103,849 $2,002 2.99%
    $250k+ 105 $39,725,000 $378,333 $2,480 3.24%

    Fcb Banks lent most frequently to those with incomes in the $100k-150k range, with 653 originations. The second most popular income band? $50k-75k, with 545 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 744 $137,110,000 $184,288 $1,962 2.90%
    30-36% 530 $96,370,000 $181,830 $2,048 2.97%
    <20% 318 $54,580,000 $171,635 $1,850 2.81%
    37% 104 $19,710,000 $189,519 $2,177 2.95%
    42% 94 $18,340,000 $195,106 $1,979 3.02%
    39% 92 $16,170,000 $175,761 $2,023 2.98%
    41% 91 $17,275,000 $189,835 $2,083 3.06%
    38% 88 $16,420,000 $186,591 $2,347 3.10%
    36% 88 $17,020,000 $193,409 $2,063 3.03%
    43% 79 $16,135,000 $204,241 $2,231 2.99%
    40% 77 $13,855,000 $179,935 $2,076 3.13%
    44% 75 $15,615,000 $208,200 $2,163 3.18%
    45% 52 $9,890,000 $190,192 $2,101 3.01%
    46% 37 $8,385,000 $226,622 $2,209 2.95%
    49% 33 $6,785,000 $205,606 $2,525 2.86%
    47% 32 $6,740,000 $210,625 $2,042 2.99%
    48% 27 $4,615,000 $170,926 $1,976 2.83%
    50-60% 23 $6,925,000 $301,087 $4,103 3.38%
    >60% 4 $900,000 $225,000 $2,419 4.24%

    Fcb Banks lent most frequently to those with DTI ratios of 20-30%, with 744 originations. The next most common DTI ratio? 30-36%, with 530 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,501 $472,175,000 $188,794 $2,027 2.95%
    Not applicable 230 $85,600,000 $372,174 $0 4.06%
    Black 117 $17,115,000 $146,282 $2,499 3.09%
    Asian 26 $5,710,000 $219,615 $1,944 3.02%
    Not provided 13 $2,055,000 $158,077 $1,662 2.97%
    American Indian 2 $250,000 $125,000 $2,939 2.69%
    Vietnamese 1 $205,000 $205,000 $2,040 3.50%
    Native Hawaiian or Islander 1 $145,000 $145,000 $1,921 2.25%
    Asian Indian 1 $95,000 $95,000 $4,423 3.50%

    Approval Rates

    Total approvals of all applications
    93.31%

    Fcb Banks has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.75%

    Fcb Banks has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,892 $583,350,000 $201,712

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,892 $583,350,000 $201,712

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 161 $19,345,000 $120,155 $1,625 3.21%
    40-60% 475 $74,255,000 $156,326 $1,788 2.94%
    60-80% 1,286 $295,900,000 $230,093 $1,898 3.06%
    80-100% 902 $183,070,000 $202,960 $2,409 3.05%
    Over 100% 5 $1,725,000 $345,000 $13,808 2.48%
    Under 20% 29 $1,865,000 $64,310 $744 3.90%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Fcb Banks 111 Walnut Street Highland, IL 62249 Full Service B&M $188,421
    Fcb Banks 12000 Tesson Ferry Rd Saint Louis, MO 63128 Full Service B&M $110,535
    Fcb Banks 14-22 East Hanover Street New Baden, IL 62265 Full Service B&M $142,591
    Fcb Banks 14040 New Halls Ferry Rd Florissant, MO 63033 Full Service B&M $7,928
    Fcb Banks 1501 West Highway 50 O Fallon, IL 62269 Full Service B&M $48,787
    Fcb Banks 201 North Commercial Street Albers, IL 62215 Full Service B&M $59,519
    Fcb Banks 204 North Main Street Caseyville, IL 62232 Full Service B&M $26,482
    Fcb Banks 208 North Bluff Collinsville, IL 62234 Full Service B&M $41,078
    Fcb Banks 2610 North Illinois Street Swansea, IL 62226 Full Service B&M $223,278
    Fcb Banks 2729 Maryville Road Maryville, IL 62062 Full Service B&M $93,963
    Fcb Banks 401 South Illinois Belleville, IL 62220 Full Service B&M $33,302
    Fcb Banks 5 South Madison Street Trenton, IL 62293 Full Service B&M $49,323
    Fcb Banks 504 Edwardsville Road Troy, IL 62294 Full Service B&M $116,917
    Fcb Banks 6659 Center Grove Road Edwardsville, IL 62025 Full Service B&M $282,989
    Fcb Banks 700 Colombia Centre Columbia, IL 62236 Full Service B&M $56,524
    Fcb Banks 800 Belt Line Rd Collinsville, IL 62234 Full Service B&M $338,934
    Fcb Banks 800 Belt Line Road Collinsville, IL 62234 Limited, Mobile/Seasonal Office $0
    Fcb Banks 800 Belt Line Road Collinsville, IL 62234 Full Service Cyber Office $12,895
    Fcb Banks 800 Belt Line Road, Cities With Branches Collinsville, IL 62234 Limited, Mobile/Seasonal Office $0

    For 2021, Fcb Banks had 19 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $60,395
    Net interest income $49,755
    Total noninterest income $17,672
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,878
    Trading account gains and fees $0
    Additional Noninterest Income $15,794
    Pre-tax net operating income $28,511
    Securities gains (or losses, -) $0
    Income before extraordinary items $20,988
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $20,988
    Minority interest net income $0
    Net income $20,988
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $20,988

    Fcb Banks's gross interest income from loans was $60,395,000.
    Fcb Banks's net interest income from loans was $49,755,000.
    Fcb Banks's fee based income from loans was $1,878,000.
    Fcb Banks's net income from loans was $20,988,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,640
    Provision for credit losses $1,160
    Total noninterest expense $37,756
    Salaries and employee benefits $24,767
    Premises and equipment expense $2,740
    Additional noninterest expense $10,249
    Applicable income taxes $7,523
    Net charge-offs $-125
    Cash dividends $10,250

    Fcb Banks's interest expense for loans was $10,640,000.
    Fcb Banks's payroll and benefits expense were $24,767,000.
    Fcb Banks's property, plant and equipment expenses $2,740,000.

    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 $1,785,260
    Deposits held in domestic offices $1,785,260
    Deposits by Individuals, partnerships, and corporations $1,705,397
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $79,863
    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 $624,500
    Demand deposits $307,392
    Nontransaction accounts $1,160,760
    Money market deposit accounts (MMDAs) $510,459
    Other savings deposits (excluding MMDAs) $243,850
    Total time deposits $406,451
    Total time and savings deposits $1,477,868
    Noninterest-bearing deposits $307,392
    Interest-bearing deposits $1,477,868
    Retail deposits $1,742,481
    IRAs and Keogh plan accounts $71,442
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,026,686
    Cash & Balances due from depository institutions $289,463
    Interest-bearing balances $272,234
    Total securities $400,505
    Federal funds sold & reverse repurchase $20,591
    Net loans and leases $1,276,337
    Loan and leases loss allowance $13,756
    Trading account assets $0
    Bank premises and fixed assets $20,319
    Other real estate owned $140
    Goodwill and other intangibles $3,339
    All other assets $15,992

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,026,686
    Total Liabilities $1,854,123
    Total deposits $1,785,260
    Interest-bearing deposits $1,477,868
    Deposits held in domestic offices $1,785,260
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $65,613
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $3,250

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,276,337
    Loan and leases loss allowance $13,756
    Total loans and leases (domestic) $1,290,093
    All real estate loans $1,137,326
    Real estate loans in domestic offices $1,137,326
    Construction and development loans $100,368
    Residential 1-4 family construction $57,734
    Other construction, all land development and other land $42,634
    Loans secured by nonfarm nonresidential properties $233,704
    Nonfarm nonresidential secured by owner-occupied properties $89,094
    Commercial real estate & other non-farm, non-residential $144,610
    Multifamily residential real estate $158,024
    1-4 family residential loans $596,620
    Farmland loans $48,610
    Loans held in foreign offices $0
    Farm loans $17,106
    Commercial and industrial loans $62,323
    To non-U.S. addressees $0
    Loans to individuals $70,713
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $59,075
    Other loans to individuals $11,638
    All other loans & leases $2,625
    Loans to foreign governments and official institutions $0
    Other loans $1,546
    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 $4,961
    Non 1-4 family restructured loans & leases $2,866
    Total loans and leases (foreign) $0

    FCB Banks had $1,276,337,000 of loans outstanding in 2021. $1,137,326,000 of loans were in real estate loans. $100,368,000 of loans were in development loans. $158,024,000 of loans were in multifamily mortgage loans. $596,620,000 of loans were in 1-4 family mortgage loans. $17,106,000 of loans were in farm loans. $0 of loans were in credit card loans. $59,075,000 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 526 $94,543 $179,740
    Nonfarm, nonresidential loans - <$100k 157 $6,890 $43,885
    Nonfarm, nonresidential loans - $100-250k 179 $21,253 $118,732
    Nonfarm, nonresidential loans - $250k-1MM 190 $66,400 $349,474
    Commercial & Industrial, US addressed loans - <$1MM 869 $44,045 $50,685
    Commercial & Industrial, US addressed loans - <$100k 735 $16,807 $22,867
    Commercial & Industrial, US addressed loans - $100-250k 64 $5,988 $93,563
    Commercial & Industrial, US addressed loans - $250k-1MM 70 $21,250 $303,571
    Farmland loans - <$1MM 132 $17,358 $131,500
    Farmland loans - <$100k 42 $1,682 $40,048
    Farmland loans - $100-250k 55 $6,139 $111,618
    Farmland loans - $250k-1MM 35 $9,537 $272,486
    Agriculture operations loans - <$1MM 41 $2,294 $55,951
    Agriculture operations loans - <$100k 27 $717 $26,556
    Agriculture operations loans - $100-250k 11 $1,195 $108,636
    Agriculture operations loans - $250k-1MM 3 $382 $127,333