Guaranty Bank Mortgage Rates, Fees & Info

Springfield, MO

LEI: 549300M30GL2Z6BZD736

Tax ID: 43-1720231

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

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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

    Guaranty Bank is a smaller bank specializing in Home Purchase and Refi loans. Guaranty 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: Springfield, Joplin, Branson, Wichita, and Fayetteville among others. We have data for 32 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Guaranty 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. Guaranty Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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

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

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    Originations

    1,030

    Origination Dollar Volume (All Markets)

    $220,140,000

    Employee count

    222 Show all (12) 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
    SPRINGFIELD, MO (FHA|USDA|VA) 650 $117,680,000 $181,046 $2,977 3.06%
    JOPLIN, MO (FHA|USDA|VA) 206 $46,100,000 $223,786 $3,298 3.45%
    Outside of Metro Areas 94 $18,830,000 $200,319 $3,110 3.35%
    Branson, MO (FHA|USDA|VA) 12 $6,500,000 $541,667 $4,340 3.56%
    WICHITA, KS (FHA|USDA|VA) 2 $4,480,000 $2,240,000 $0 3.85%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 15 $4,295,000 $286,333 $2,193 3.65%
    Ardmore, OK (FHA|USDA|VA) 2 $3,130,000 $1,565,000 $0 3.93%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $2,585,000 $369,286 $2,601 3.16%
    McAlester, OK (FHA|USDA|VA) 1 $2,305,000 $2,305,000 $0 3.85%
    TULSA, OK (FHA|USDA|VA) 1 $2,265,000 $2,265,000 $0 3.85%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 8 $2,130,000 $266,250 $2,973 2.91%
    Lebanon, MO (FHA|USDA|VA) 8 $1,850,000 $231,250 $3,320 2.94%
    Muskogee, OK (FHA|USDA|VA) 1 $1,295,000 $1,295,000 $0 3.85%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $1,290,000 $645,000 $3,174 3.43%
    Ponca City, OK (FHA|USDA|VA) 2 $1,120,000 $560,000 $0 3.85%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $840,000 $420,000 $2,607 2.56%
    Fort Leonard Wood, MO (FHA|USDA|VA) 2 $470,000 $235,000 $2,221 3.44%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $385,000 $385,000 $1,350 2.99%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $345,000 $345,000 $4,728 2.88%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $315,000 $315,000 $2,516 2.50%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $315,000 $315,000 $3,684 3.63%
    Stillwater, OK (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.85%
    Winfield, KS (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.88%
    Farmington, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,789 2.50%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.25%
    Sedalia, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,063 2.75%
    Ottawa, KS (FHA|USDA|VA) 1 $145,000 $145,000 $2,546 2.99%
    Warrensburg, MO (FHA|USDA|VA) 1 $145,000 $145,000 $1,908 2.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,681 2.99%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $115,000 $115,000 $2,522 2.75%
    Rolla, MO (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.75%
    Poplar Bluff, MO (FHA|USDA|VA) 1 $95,000 $95,000 $4,048 2.75%
    Guaranty Bank's top markets include Springfield, Joplin, Branson, Wichita, and Fayetteville among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Similar Lenders

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

    Southwest Missouri Bank
    Similarity Rank: 322
    Sullivan Bank
    Similarity Rank: 588
    Pinnacle Bank
    Similarity Rank: 680
    FIRST STATE MORTGAGE SERVICES, LLC
    Similarity Rank: 987
    The Bank of Missouri
    Similarity Rank: 1196
    Hawthorn Bank
    Similarity Rank: 1280
    First State Community Bank
    Similarity Rank: 1484
    MISSOURI ELECTRIC COOPERATIVES EMPL
    Similarity Rank: 1534
    First Community Bank
    Similarity Rank: 1692
    Springfield First Community Bank
    Similarity Rank: 1750

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 841 $187,205,000 $222,598 $2,483 3.29%
    FHA 81 $13,345,000 $164,753 $5,397 2.84%
    USDA 66 $10,270,000 $155,606 $4,146 2.69%
    VA 42 $9,320,000 $221,905 $4,492 2.67%

    For 2021, Guaranty Bank's most frequently originated type of loan was Conventional, with 841 originations. Their 2nd most popular type was FHA, with 81 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 467 $99,145,000 $212,302 $3,613 3.14%
    Refi 394 $88,920,000 $225,685 $2,392 3.34%
    Cash Out Refi 161 $29,195,000 $181,335 $2,718 2.96%
    Home Improvement 4 $2,180,000 $545,000 $2,688 3.94%
    Other 4 $700,000 $175,000 $2,623 2.72%

    For 2021, Guaranty Bank's most frequently cited loan purpose was Home Purchase, with 467 originations. The 2nd most popular reason was Refi, with 394 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 686 $129,690,000 $189,052 $3,173 2.92%
    5 Year 114 $26,190,000 $229,737 $0 4.31%
    15 Year 99 $18,045,000 $182,273 $2,387 2.50%
    Other 42 $12,210,000 $290,714 $2,472 4.64%
    3 Year 36 $4,910,000 $136,389 $0 4.40%
    10 Year 22 $23,600,000 $1,072,727 $2,207 3.45%
    20 Year 17 $2,645,000 $155,588 $2,371 2.71%
    1 Year 14 $2,850,000 $203,571 $2,324 5.17%

    For 2021, Guaranty Bank's most frequently cited loan duration was 30 Year, with 686 originations. The 2nd most popular length was 5 Year, with 114 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 707 $134,925,000 $190,842
    $1k-2k 47 $9,055,000 $192,660
    $2k-3k 4 $1,310,000 $327,500
    $3k-4k 4 $960,000 $240,000
    $4k-5k 1 $455,000 $455,000

    Guaranty Bank's average total fees were $3,173, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 707 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 410 $83,970,000 $204,805
    3-4% 246 $69,430,000 $282,236
    <2.5% 216 $38,920,000 $180,185
    4-5% 139 $26,285,000 $189,101
    5-6% 10 $810,000 $81,000
    6-7% 9 $725,000 $80,556

    During 2021, Guaranty Bank's average interest rate for loans was 2.92%, while their most frequently originated rate bucket for loans was 2.5-3%, with 410 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 464 $67,950,000 $146,444 $2,992 3.06%
    $200k-400k 251 $67,715,000 $269,781 $3,319 2.91%
    $100,000 or less 240 $16,460,000 $68,583 $2,441 3.64%
    $400k-600k 40 $19,000,000 $475,000 $3,744 3.11%
    $1MM+ 19 $36,255,000 $1,908,158 $3,388 3.84%
    $600k-1MM 16 $12,760,000 $797,500 $3,872 4.08%

    2021 saw Guaranty Bank place emphasis on $100k-200k loans with 464 originations, totaling $67,950,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 260 $32,040,000 $123,231 $3,168 3.03%
    $50k-75k 211 $34,605,000 $164,005 $3,043 2.97%
    $75k-100k 140 $27,380,000 $195,571 $3,012 2.99%
    $100k-150k 98 $21,690,000 $221,327 $2,746 2.99%
    $150k-250k 60 $16,650,000 $277,500 $3,363 3.13%
    $250k+ 41 $12,875,000 $314,024 $3,238 3.19%

    Guaranty Bank lent most frequently to those with incomes in the $50k or less range, with 260 originations. The second most popular income band? $50k-75k, with 211 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 223 $41,095,000 $184,283 $2,846 2.82%
    30-36% 153 $28,155,000 $184,020 $2,812 2.88%
    <20% 72 $15,550,000 $215,972 $2,584 2.79%
    41% 34 $6,660,000 $195,882 $2,897 2.85%
    37% 31 $5,015,000 $161,774 $3,262 2.92%
    39% 31 $4,245,000 $136,935 $3,597 2.98%
    40% 28 $5,580,000 $199,286 $2,910 2.93%
    42% 27 $5,305,000 $196,481 $3,276 2.89%
    36% 26 $4,420,000 $170,000 $2,718 2.77%
    50-60% 26 $4,650,000 $178,846 $4,786 3.02%
    44% 23 $4,535,000 $197,174 $3,164 2.90%
    38% 21 $3,725,000 $177,381 $2,974 2.89%
    45% 19 $4,495,000 $236,579 $3,726 3.08%
    46% 18 $3,910,000 $217,222 $4,365 2.99%
    43% 17 $3,125,000 $183,824 $2,797 2.81%
    47% 14 $2,360,000 $168,571 $3,820 2.83%
    49% 14 $2,880,000 $205,714 $3,647 2.84%
    48% 10 $1,730,000 $173,000 $3,548 2.81%
    >60% 3 $465,000 $155,000 $2,737 3.38%

    Guaranty Bank lent most frequently to those with DTI ratios of 20-30%, with 223 originations. The next most common DTI ratio? 30-36%, with 153 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 852 $154,460,000 $181,291 $3,061 3.00%
    Not applicable 145 $59,595,000 $411,000 $0 4.29%
    Not provided 16 $2,640,000 $165,000 $2,617 3.82%
    Asian Indian 1 $1,055,000 $1,055,000 $3,388 3.56%
    Asian 5 $835,000 $167,000 $2,440 2.96%
    Black 4 $690,000 $172,500 $2,246 2.69%
    American Indian 4 $480,000 $120,000 $2,767 2.98%
    Native Hawaiian or Islander 3 $385,000 $128,333 $2,921 2.33%

    Approval Rates

    Total approvals of all applications
    97.68%

    Guaranty Bank 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
    85.34%

    Guaranty Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,030 $220,140,000 $213,728

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,030 $220,140,000 $213,728

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 61 $6,295,000 $103,197 $2,294 3.68%
    40-60% 162 $29,930,000 $184,753 $2,489 3.21%
    60-80% 388 $92,590,000 $238,634 $2,500 3.29%
    80-100% 394 $87,790,000 $222,817 $3,519 2.97%
    Over 100% 10 $2,560,000 $256,000 $9,827 2.86%
    Under 20% 15 $975,000 $65,000 $2,711 4.52%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    GUARANTEED RATE INC. VA mortgage Closing on a mortgage 1 0.6%
    GUARANTEED RATE INC. VA mortgage Trouble during payment process 14 8.7%
    GUARANTEED RATE INC. VA mortgage Struggling to pay mortgage 1 0.6%
    GUARANTEED RATE INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 34 21.1%
    GUARANTEED RATE INC. Conventional home mortgage Closing on a mortgage 12 7.5%
    GUARANTEED RATE INC. Conventional home mortgage Improper use of your report 1 0.6%
    GUARANTEED RATE INC. Conventional home mortgage Incorrect information on your report 1 0.6%
    GUARANTEED RATE INC. Conventional home mortgage Struggling to pay mortgage 3 1.9%
    GUARANTEED RATE INC. Conventional home mortgage Trouble during payment process 60 37.3%
    GUARANTEED RATE INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 4.3%
    GUARANTEED RATE INC. FHA mortgage Closing on a mortgage 4 2.5%
    GUARANTEED RATE INC. FHA mortgage Incorrect information on your report 1 0.6%
    GUARANTEED RATE INC. FHA mortgage Trouble during payment process 12 7.5%
    GUARANTEED RATE INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 4 2.5%
    GUARANTEED RATE INC. Other type of mortgage Closing on a mortgage 1 0.6%
    GUARANTEED RATE INC. Other type of mortgage Trouble during payment process 2 1.2%
    GUARANTEED RATE INC. VA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Guaranty Bank 1285 South Neosho Boulevard Neosho, MO 64850 Full Service B&M $36,880
    Guaranty Bank 1341 W Battlefield Springfield, MO 65807 Full Service B&M $207,230
    Guaranty Bank 1429 East 32nd Street Joplin, MO 64804 Full Service B&M $36,313
    Guaranty Bank 1510 East Sunshine Springfield, MO 65804 Full Service B&M $50,235
    Guaranty Bank 1701 West State Highway J Ozark, MO 65721 Full Service B&M $50,986
    Guaranty Bank 1909 West Kearney Springfield, MO 65803 Full Service B&M $34,329
    Guaranty Bank 1936 Range Line Road Suite A Joplin, MO 64804 Full Service B&M $8,417
    Guaranty Bank 2109 North Glenstone Springfield, MO 65803 Full Service B&M $52,466
    Guaranty Bank 2144 E. Republic Road, Suite F200 Springfield, MO 65804 Full Service B&M $254,067
    Guaranty Bank 2155 West Republic Road Ste 100, Suite 100 Springfield, MO 65807 Full Service B&M $22,312
    Guaranty Bank 2435 Fairlawn Drive Carthage, MO 64836 Full Service B&M $12,052
    Guaranty Bank 291 East Highway Cc Nixa, MO 65714 Full Service B&M $16,698
    Guaranty Bank 3016 South Mcclelland Boulevard Joplin, MO 64804 Full Service B&M $14,466
    Guaranty Bank 312 West Central Carthage, MO 64836 Full Service B&M $94,363
    Guaranty Bank 4343 South National Avenue Springfield, MO 65810 Full Service B&M $76,222
    Guaranty Bank 709 West Mount Vernon Street Nixa, MO 65714 Full Service B&M $28,572

    For 2021, Guaranty Bank had 16 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $41,194
    Net interest income $36,288
    Total noninterest income $10,908
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,800
    Trading account gains and fees $0
    Additional Noninterest Income $9,108
    Pre-tax net operating income $14,072
    Securities gains (or losses, -) $2,740
    Income before extraordinary items $13,421
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $13,421
    Minority interest net income $0
    Net income $13,421
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $11,229

    Guaranty Bank's gross interest income from loans was $41,194,000.
    Guaranty Bank's net interest income from loans was $36,288,000.
    Guaranty Bank's fee based income from loans was $1,800,000.
    Guaranty Bank's net income from loans was $13,421,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,906
    Provision for credit losses $800
    Total noninterest expense $32,324
    Salaries and employee benefits $17,666
    Premises and equipment expense $4,345
    Additional noninterest expense $10,313
    Applicable income taxes $3,391
    Net charge-offs $-171
    Cash dividends $5,000

    Guaranty Bank's interest expense for loans was $4,906,000.
    Guaranty Bank's payroll and benefits expense were $17,666,000.
    Guaranty Bank's property, plant and equipment expenses $4,345,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 2.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    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 $1,019,765
    Deposits held in domestic offices $1,019,765
    Deposits by Individuals, partnerships, and corporations $835,987
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $181,060
    Deposits by Commercial banks and other depository institutions in U.S. $2,718
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $138,474
    Demand deposits $116,348
    Nontransaction accounts $881,291
    Money market deposit accounts (MMDAs) $236,986
    Other savings deposits (excluding MMDAs) $499,452
    Total time deposits $144,852
    Total time and savings deposits $903,417
    Noninterest-bearing deposits $420,865
    Interest-bearing deposits $598,900
    Retail deposits $995,353
    IRAs and Keogh plan accounts $21,632
    Brokered deposits $36
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,171,028
    Cash & Balances due from depository institutions $130,338
    Interest-bearing balances $122,134
    Total securities $151,402
    Federal funds sold & reverse repurchase $0
    Net loans and leases $814,758
    Loan and leases loss allowance $10,589
    Trading account assets $0
    Bank premises and fixed assets $25,128
    Other real estate owned $100
    Goodwill and other intangibles $2,809
    All other assets $46,493

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,171,028
    Total Liabilities $1,047,586
    Total deposits $1,019,765
    Interest-bearing deposits $598,900
    Deposits held in domestic offices $1,019,765
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $24,703
    Subordinated debt $0
    All other liabilities $3,118

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $814,758
    Loan and leases loss allowance $10,589
    Total loans and leases (domestic) $825,347
    All real estate loans $703,444
    Real estate loans in domestic offices $703,444
    Construction and development loans $124,849
    Residential 1-4 family construction $27,088
    Other construction, all land development and other land $97,761
    Loans secured by nonfarm nonresidential properties $303,030
    Nonfarm nonresidential secured by owner-occupied properties $112,471
    Commercial real estate & other non-farm, non-residential $190,559
    Multifamily residential real estate $76,565
    1-4 family residential loans $120,912
    Farmland loans $78,088
    Loans held in foreign offices $0
    Farm loans $8,529
    Commercial and industrial loans $107,220
    To non-U.S. addressees $0
    Loans to individuals $4,229
    Credit card loans $0
    Related Plans $219
    Consumer Auto Loans $2,815
    Other loans to individuals $1,195
    All other loans & leases $2,408
    Loans to foreign governments and official institutions $0
    Other loans $2,363
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $21,118
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Guaranty Bank had $814,758,000 of loans outstanding in 2021. $703,444,000 of loans were in real estate loans. $124,849,000 of loans were in development loans. $76,565,000 of loans were in multifamily mortgage loans. $120,912,000 of loans were in 1-4 family mortgage loans. $8,529,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,815,000 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 241 $64,874 $269,187
    Nonfarm, nonresidential loans - <$100k 49 $2,624 $53,551
    Nonfarm, nonresidential loans - $100-250k 70 $10,402 $148,600
    Nonfarm, nonresidential loans - $250k-1MM 122 $51,848 $424,984
    Commercial & Industrial, US addressed loans - <$1MM 464 $44,686 $96,306
    Commercial & Industrial, US addressed loans - <$100k 313 $10,373 $33,141
    Commercial & Industrial, US addressed loans - $100-250k 83 $9,640 $116,145
    Commercial & Industrial, US addressed loans - $250k-1MM 68 $24,673 $362,838
    Farmland loans - <$1MM 150 $22,216 $148,107
    Farmland loans - <$100k 58 $2,978 $51,345
    Farmland loans - $100-250k 54 $6,828 $126,444
    Farmland loans - $250k-1MM 38 $12,410 $326,579
    Agriculture operations loans - <$1MM 88 $3,693 $41,966
    Agriculture operations loans - <$100k 74 $1,743 $23,554
    Agriculture operations loans - $100-250k 10 $1,159 $115,900
    Agriculture operations loans - $250k-1MM 4 $791 $197,750