Community National Bank & Trust Mortgage Rates, Fees & Info
Chanute, KSLEI: 549300MUMD1WPCSXT518
Tax ID: 48-1038713
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Bank Data
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.
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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
1,072Origination Dollar Volume (All Markets)
$137,950,000Employee count
461 Show all (5) awardsRelative 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% |
Similar Lenders
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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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications91.87%
Community National Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination79.94%
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 |
LTV Distribution
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 |