Community National Bank & Trust Mortgage Rates, Fees & Info

Chanute, KS

LEI: 549300MUMD1WPCSXT518

Tax ID: 48-1038713

5 stars - out of 5 stars, based on 33 reviews

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

Jump to:

Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • 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

    Community National Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Community National Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Pittsburg, Winfield, Coffeyville, and Emporia among others. We have data for 36 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Community National Bank & Trust 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. Community National Bank & Trust 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 relatively high rates.

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

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

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.06% 3/19/23
    30 Year Conventional Refi 6.89% 3/19/23
    30 Year Cash-out Refi 7.00% 3/19/23
    15 Year Conventional Purchase 7.22% 3/19/23
    15 Year Conventional Refi 6.13% 3/19/23
    15 Year Cash-out Refi 6.13% 3/19/23
    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.


    Originations

    1,072

    Origination Dollar Volume (All Markets)

    $137,950,000

    Employee count

    461 Show all (5) awards

    Relative Rate

    Community National Bank & Trust's average 30 year fixed mortgage rate was 3.58%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.43%.

    Relative Fees (Closing Costs)

    Community National Bank & Trust's average total fees/closing costs for a 30 year fixed rate mortgage were $2,300.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    Outside of Metro Areas 401 $44,435,000 $110,810 $1,687 4.04%
    WICHITA, KS (FHA|USDA|VA) 218 $28,650,000 $131,422 $2,157 4.36%
    Pittsburg, KS (FHA|USDA|VA) 96 $11,740,000 $122,292 $2,550 3.76%
    Winfield, KS (FHA|USDA|VA) 100 $11,710,000 $117,100 $2,165 4.33%
    Coffeyville, KS (FHA|USDA|VA) 84 $7,700,000 $91,667 $2,482 4.20%
    Emporia, KS (FHA|USDA|VA) 29 $6,165,000 $212,586 $2,184 3.65%
    JOPLIN, MO (FHA|USDA|VA) 27 $5,455,000 $202,037 $2,758 4.08%
    Ponca City, OK (FHA|USDA|VA) 36 $4,240,000 $117,778 $3,949 4.39%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 15 $3,025,000 $201,667 $2,213 3.85%
    Parsons, KS (FHA|USDA|VA) 22 $2,380,000 $108,182 $2,017 3.89%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $2,060,000 $1,030,000 $7,865 3.75%
    Warrensburg, MO (FHA|USDA|VA) 3 $1,045,000 $348,333 $0 4.53%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $3,863 4.50%
    Bartlesville, OK (FHA|USDA|VA) 4 $1,020,000 $255,000 $9,793 4.43%
    Ottawa, KS (FHA|USDA|VA) 2 $820,000 $410,000 $2,127 4.46%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $785,000 $785,000 $6,467 4.50%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $560,000 $280,000 $0 4.90%
    MANHATTAN, KS (FHA|USDA|VA) 1 $545,000 $545,000 $5,028 3.00%
    Sedalia, MO (FHA|USDA|VA) 3 $505,000 $168,333 $1,635 3.25%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $435,000 $435,000 $3,480 2.88%
    TOPEKA, KS (FHA|USDA|VA) 1 $405,000 $405,000 $2,852 2.25%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $400,000 $200,000 $3,089 3.55%
    Stillwater, OK (FHA|USDA|VA) 1 $355,000 $355,000 $4,910 2.88%
    TULSA, OK (FHA|USDA|VA) 3 $345,000 $115,000 $3,740 3.25%
    Hutchinson, KS (FHA|USDA|VA) 4 $330,000 $82,500 $2,022 3.89%
    MANSFIELD, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,051 2.25%
    SPRINGFIELD, MO (FHA|USDA|VA) 3 $285,000 $95,000 $1,067 3.79%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.50%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.85%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.50%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $115,000 $115,000 $1,985 3.13%
    Harrison, AR (FHA|USDA|VA) 1 $115,000 $115,000 $1,875 2.88%
    West Plains, MO (FHA|USDA|VA) 1 $95,000 $95,000 $1,929 3.13%
    McPherson, KS (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.00%
    Great Bend, KS (FHA|USDA|VA) 1 $65,000 $65,000 $2,350 2.88%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $55,000 $55,000 $181 4.38%
    Community National Bank & Trust's top markets include Wichita, Pittsburg, Winfield, Coffeyville, and Emporia among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)

    • Similar Lenders

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

    ESB Financial
    Similarity Rank: 14
    GOLDEN PLAINS
    Similarity Rank: 136
    Members Mortgage Services, L.L.C.
    Similarity Rank: 220
    SKYWARD
    Similarity Rank: 240
    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 264
    Southwest Missouri Bank
    Similarity Rank: 322
    Central National Bank
    Similarity Rank: 363
    MID AMERICAN
    Similarity Rank: 500
    Wichita Federal Credit Union
    Similarity Rank: 553
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 560

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,072 $137,950,000 $128,685 $2,108 4.11%

    For 2021, Community National Bank & Trust's most frequently originated type of loan was Conventional, with 1,072 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 522 $71,330,000 $136,648 $2,384 4.28%
    Refi 329 $37,435,000 $113,784 $1,644 4.21%
    Cash Out Refi 186 $26,520,000 $142,581 $2,232 3.33%
    Home Improvement 26 $1,680,000 $64,615 $1,276 4.91%
    Other 9 $985,000 $109,444 $1,384 4.15%

    For 2021, Community National Bank & Trust's most frequently cited loan purpose was Home Purchase, with 522 originations. The 2nd most popular reason was Refi, with 329 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 343 $54,525,000 $158,965 $2,300 3.58%
    15 Year 240 $25,490,000 $106,208 $2,199 3.69%
    20 Year 176 $20,540,000 $116,705 $2,142 4.14%
    5 Year 94 $12,490,000 $132,872 $292 5.13%
    Other 88 $8,110,000 $92,159 $285 4.87%
    10 Year 76 $8,130,000 $106,974 $1,208 4.88%
    1 Year 44 $7,250,000 $164,773 $3,240 4.93%
    3 Year 11 $1,415,000 $128,636 $0 5.71%

    For 2021, Community National Bank & Trust's most frequently cited loan duration was 30 Year, with 343 originations. The 2nd most popular length was 15 Year, with 240 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 555 $75,015,000 $135,162
    $1k-2k 35 $6,495,000 $185,571
    $2k-3k 16 $2,610,000 $163,125
    $3k-4k 5 $1,565,000 $313,000
    $5k+ 1 $275,000 $275,000

    Community National Bank & Trust's average total fees were $2,300, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 555 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 468 $53,950,000 $115,278
    2.5-3% 199 $35,245,000 $177,111
    5-6% 150 $9,190,000 $61,267
    3-4% 118 $22,610,000 $191,610
    <2.5% 106 $14,940,000 $140,943
    6-7% 26 $1,490,000 $57,308
    7-8% 4 $470,000 $117,500

    During 2021, Community National Bank & Trust's average interest rate for loans was 3.58%, while their most frequently originated rate bucket for loans was 4-5%, with 468 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 581 $30,915,000 $53,210 $1,466 4.53%
    $100k-200k 297 $42,315,000 $142,475 $2,381 3.60%
    $200k-400k 159 $42,475,000 $267,138 $2,858 3.53%
    $400k-600k 23 $10,915,000 $474,565 $3,753 3.84%
    $600k-1MM 7 $5,145,000 $735,000 $3,899 4.64%
    $1MM+ 5 $6,185,000 $1,237,000 $7,303 4.10%

    2021 saw Community National Bank & Trust place emphasis on $100,000 or less loans with 581 originations, totaling $30,915,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 242 $16,610,000 $68,636 $1,325 4.51%
    $50k-75k 201 $19,855,000 $98,781 $1,927 4.05%
    $100k-150k 169 $24,845,000 $147,012 $2,641 3.66%
    $75k-100k 127 $16,405,000 $129,173 $2,369 3.64%
    $150k-250k 91 $17,555,000 $192,912 $2,653 3.61%
    $250k+ 22 $7,730,000 $351,364 $3,119 3.77%

    Community National Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 242 originations. The second most popular income band? $50k-75k, with 201 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 193 $25,265,000 $130,907 $2,178 3.32%
    <20% 142 $16,400,000 $115,493 $2,002 3.62%
    30-36% 124 $18,890,000 $152,339 $2,386 3.41%
    36% 29 $3,595,000 $123,966 $2,070 3.55%
    37% 26 $4,450,000 $171,154 $2,476 3.08%
    >60% 19 $3,815,000 $200,789 $806 4.52%
    38% 19 $2,455,000 $129,211 $1,995 3.30%
    39% 18 $2,780,000 $154,444 $2,471 3.57%
    40% 13 $2,405,000 $185,000 $2,271 3.62%
    41% 11 $865,000 $78,636 $1,274 4.61%
    50-60% 10 $1,730,000 $173,000 $1,531 4.69%
    42% 8 $810,000 $101,250 $1,936 3.80%
    46% 4 $270,000 $67,500 $1,487 4.38%
    43% 4 $330,000 $82,500 $984 4.25%
    44% 3 $155,000 $51,667 $774 5.58%
    49% 2 $120,000 $60,000 $650 4.25%
    45% 1 $25,000 $25,000 $1,159 4.25%
    47% 1 $1,505,000 $1,505,000 $10,743 3.75%

    Community National Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 193 originations. The next most common DTI ratio? <20%, with 142 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 859 $105,565,000 $122,893 $2,076 4.01%
    Not applicable 159 $25,855,000 $162,610 $0 4.75%
    Not provided 30 $4,080,000 $136,000 $2,505 3.45%
    American Indian 16 $1,880,000 $117,500 $2,654 4.08%
    Asian 5 $495,000 $99,000 $2,707 3.88%
    Other Asian 1 $55,000 $55,000 $2,379 2.88%
    Black 2 $20,000 $10,000 $0 5.00%

    Approval Rates

    Total approvals of all applications
    91.87%

    Community National Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.94%

    Community National Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    104.0 11 $355,000 $32,273
    204.0 1 $35,000 $35,000
    NA 1,060 $137,560,000 $129,774

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,072 $137,950,000 $128,685

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 126 $10,730,000 $85,159 $1,300 4.41%
    40-60% 202 $25,600,000 $126,733 $1,951 4.19%
    60-80% 468 $63,770,000 $136,261 $2,207 4.05%
    80-100% 233 $35,395,000 $151,910 $2,463 3.81%
    Over 100% 1 $105,000 $105,000 $0 4.95%
    Under 20% 42 $2,350,000 $55,952 $438 5.09%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    COMMUNITY BANK SYSTEM, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community National Bank & Trust 1109 Gulf Street Lamar, MO 64759 Full Service B&M $47,719
    Community National Bank & Trust 207 North Washington Burns, KS 66840 Full Service B&M $6,656
    Community National Bank & Trust 2813 The Loop Carthage, MO 64836 Full Service B&M $19,439
    Community National Bank & Trust 2815 West Central El Dorado, KS 67042 Limited, Drive-thru $0
    Community National Bank & Trust 301 North Main Street El Dorado, KS 67042 Full Service B&M $81,924
    Community National Bank & Trust 301 South Main Street Newkirk, OK 74647 Full Service B&M $5,511
    Community National Bank & Trust 330 North 16th St Parsons, KS 67357 Full Service B&M $24,699
    Community National Bank & Trust 333 West Main Cherryvale, KS 67335 Full Service B&M $31,803
    Community National Bank & Trust 401 East Centennial Pittsburg, KS 66762 Full Service B&M $81,030
    Community National Bank & Trust 401 East South Street Arma, KS 66712 Full Service B&M $17,961
    Community National Bank & Trust 401 North Main Eureka, KS 67045 Full Service B&M $47,900
    Community National Bank & Trust 4097 Parkview Drive Frontenac, KS 66763 Full Service B&M $29,520
    Community National Bank & Trust 500 North Summit Street Arkansas City, KS 67005 Full Service B&M $27,271
    Community National Bank & Trust 501 West 4th Caney, KS 67333 Full Service B&M $36,480
    Community National Bank & Trust 100 Delaware Edna, KS 67342 Full Service B&M $42,811
    Community National Bank & Trust 102 North 4th Neodesha, KS 66757 Full Service B&M $31,947
    Community National Bank & Trust 601 C Street Golden City, MO 64748 Full Service B&M $2,733
    Community National Bank & Trust 606 East St. John Girard, KS 66743 Full Service B&M $37,483
    Community National Bank & Trust 645 State Street Augusta, KS 67010 Full Service B&M $31,010
    Community National Bank & Trust 701 Merchant St Emporia, KS 66801 Full Service B&M $0
    Community National Bank & Trust 709 E Prospect Ave Ponca City, OK 74601 Full Service B&M $64,632
    Community National Bank & Trust 724 East Highway 54 El Dorado Springs, MO 64744 Full Service B&M $22,240
    Community National Bank & Trust 733 Madison Fredonia, KS 66736 Full Service B&M $22,887
    Community National Bank & Trust 901 W 11th Coffeyville, KS 67337 Full Service B&M $47,742
    Community National Bank & Trust Eighth And Osage Streets Humboldt, KS 66748 Full Service B&M $55,653
    Community National Bank & Trust Main And Highway 65 Lincoln, MO 65338 Full Service B&M $81,707
    Community National Bank & Trust 1112 Main Street Winfield, KS 67156 Full Service B&M $85,531
    Community National Bank & Trust 115 East First Chanute, KS 66720 Limited, Drive-thru $0
    Community National Bank & Trust 120 East Madison Iola, KS 66749 Full Service B&M $82,781
    Community National Bank & Trust 124 North Penn Independence, KS 67301 Limited, Drive-thru $0
    Community National Bank & Trust 125 N. Penn Independence, KS 67301 Full Service B&M $154,109
    Community National Bank & Trust 127 North Main Street Newton, KS 67114 Full Service B&M $28,943
    Community National Bank & Trust 14 North Lincoln Avenue Chanute, KS 66720 Full Service B&M $111,489
    Community National Bank & Trust 1440 Industrial Road Emporia, KS 66801 Full Service B&M $49,955
    Community National Bank & Trust 14500 Sw 20th Street Benton, KS 67017 Full Service B&M $13,935
    Community National Bank & Trust 1501 South Santa Fe Chanute, KS 66720 Limited, Drive-thru $0
    Community National Bank & Trust 1625 Hedges Plaza Nevada, MO 64772 Full Service B&M $71,633
    Community National Bank & Trust 1695 Hilltop Dr Warsaw, MO 65355 Full Service B&M $44,892

    For 2021, Community National Bank & Trust had 38 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $66,119
    Net interest income $59,384
    Total noninterest income $14,644
    Gross Fiduciary activities income $810
    Service charges on deposit accounts $2,343
    Trading account gains and fees $0
    Additional Noninterest Income $11,491
    Pre-tax net operating income $22,257
    Securities gains (or losses, -) $1,149
    Income before extraordinary items $18,387
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $18,387
    Minority interest net income $0
    Net income $18,387
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $17,479

    Community National Bank & Trust's gross interest income from loans was $66,119,000.
    Community National Bank & Trust's net interest income from loans was $59,384,000.
    Community National Bank & Trust's fee based income from loans was $2,343,000.
    Community National Bank & Trust's net income from loans was $18,387,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,735
    Provision for credit losses $1,100
    Total noninterest expense $50,671
    Salaries and employee benefits $27,028
    Premises and equipment expense $7,217
    Additional noninterest expense $16,426
    Applicable income taxes $5,019
    Net charge-offs $467
    Cash dividends $1,000

    Community National Bank & Trust's interest expense for loans was $6,735,000.
    Community National Bank & Trust's payroll and benefits expense were $27,028,000.
    Community National Bank & Trust's property, plant and equipment expenses $7,217,000.

    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 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 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 $1,633,301
    Deposits held in domestic offices $1,633,301
    Deposits by Individuals, partnerships, and corporations $1,430,470
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $200,332
    Deposits by Commercial banks and other depository institutions in U.S. $2,499
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $890,103
    Demand deposits $519,786
    Nontransaction accounts $743,198
    Money market deposit accounts (MMDAs) $166,620
    Other savings deposits (excluding MMDAs) $266,405
    Total time deposits $310,173
    Total time and savings deposits $1,113,515
    Noninterest-bearing deposits $368,215
    Interest-bearing deposits $1,265,086
    Retail deposits $1,586,518
    IRAs and Keogh plan accounts $30,792
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,912,044
    Cash & Balances due from depository institutions $183,992
    Interest-bearing balances $154,007
    Total securities $559,403
    Federal funds sold & reverse repurchase $4,832
    Net loans and leases $1,043,777
    Loan and leases loss allowance $13,136
    Trading account assets $0
    Bank premises and fixed assets $44,991
    Other real estate owned $1,573
    Goodwill and other intangibles $22,268
    All other assets $51,208

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,912,044
    Total Liabilities $1,739,054
    Total deposits $1,633,301
    Interest-bearing deposits $1,265,086
    Deposits held in domestic offices $1,633,301
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $74,142
    Trading liabilities $0
    Other borrowed funds $17,075
    Subordinated debt $0
    All other liabilities $14,536

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,043,777
    Loan and leases loss allowance $13,136
    Total loans and leases (domestic) $1,056,913
    All real estate loans $737,429
    Real estate loans in domestic offices $737,429
    Construction and development loans $42,003
    Residential 1-4 family construction $19,103
    Other construction, all land development and other land $22,900
    Loans secured by nonfarm nonresidential properties $256,922
    Nonfarm nonresidential secured by owner-occupied properties $163,069
    Commercial real estate & other non-farm, non-residential $93,853
    Multifamily residential real estate $21,651
    1-4 family residential loans $281,893
    Farmland loans $134,960
    Loans held in foreign offices $0
    Farm loans $107,286
    Commercial and industrial loans $139,893
    To non-U.S. addressees $0
    Loans to individuals $43,078
    Credit card loans $1,991
    Related Plans $427
    Consumer Auto Loans $28,066
    Other loans to individuals $12,594
    All other loans & leases $29,227
    Loans to foreign governments and official institutions $0
    Other loans $2,229
    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 $620
    Non 1-4 family restructured loans & leases $620
    Total loans and leases (foreign) $0

    Community National Bank & Trust had $1,043,777,000 of loans outstanding in 2021. $737,429,000 of loans were in real estate loans. $42,003,000 of loans were in development loans. $21,651,000 of loans were in multifamily mortgage loans. $281,893,000 of loans were in 1-4 family mortgage loans. $107,286,000 of loans were in farm loans. $1,991,000 of loans were in credit card loans. $28,066,000 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 723 $126,702 $175,245
    Nonfarm, nonresidential loans - <$100k 321 $12,605 $39,268
    Nonfarm, nonresidential loans - $100-250k 171 $22,006 $128,690
    Nonfarm, nonresidential loans - $250k-1MM 231 $92,091 $398,662
    Commercial & Industrial, US addressed loans - <$1MM 1,682 $95,149 $56,569
    Commercial & Industrial, US addressed loans - <$100k 1,345 $28,224 $20,984
    Commercial & Industrial, US addressed loans - $100-250k 164 $15,162 $92,451
    Commercial & Industrial, US addressed loans - $250k-1MM 173 $51,763 $299,208
    Farmland loans - <$1MM 949 $83,024 $87,486
    Farmland loans - <$100k 481 $17,183 $35,723
    Farmland loans - $100-250k 335 $35,060 $104,657
    Farmland loans - $250k-1MM 133 $30,781 $231,436
    Agriculture operations loans - <$1MM 1,487 $56,031 $37,681
    Agriculture operations loans - <$100k 1,284 $25,884 $20,159
    Agriculture operations loans - $100-250k 140 $14,326 $102,329
    Agriculture operations loans - $250k-1MM 63 $15,821 $251,127