Community National Bank & Trust Mortgage Rates, Fees & Info
Chanute, KSLEI: 549300MUMD1WPCSXT518
Tax ID: 48-1038713
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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, Winfield, Pittsburg, Coffeyville, and Joplin among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)Community National Bank & Trust has an 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
Home Equity Line of Credit (HELOC) | 6.27% | 11/21/24 |
30 Year Conventional Purchase | 6.86% | 11/21/24 |
30 Year Conventional Refi | 6.76% | 11/21/24 |
30 Year Cash-out Refi | 6.83% | 11/21/24 |
30 Year FHA Purchase | 6.27% | 11/21/24 |
30 Year VA Purchase | 6.45% | 11/21/24 |
30 Year USDA Purchase | 7.45% | 11/21/24 |
15 Year Conventional Purchase | 6.55% | 11/21/24 |
15 Year Conventional Refi | 6.16% | 11/21/24 |
15 Year Cash-out Refi | 6.16% | 11/21/24 |
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. |
Community National Bank & Trust Mortgage Calculator
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
716Origination Dollar Volume (All Markets)
$70,230,000Employee count
383 Show all (8) awardsCommunity National Bank & Trust - 2018
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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 |
---|---|---|---|---|---|
WICHITA, KS (FHA|USDA|VA) | 158 | $16,860,000 | $106,709 | $1,487 | 5.52% |
Outside of Metro Areas | 183 | $16,665,000 | $91,066 | $1,515 | 5.52% |
Winfield, KS (FHA|USDA|VA) | 93 | $9,165,000 | $98,548 | $1,708 | 5.42% |
Pittsburg, KS (FHA|USDA|VA) | 80 | $7,340,000 | $91,750 | $2,084 | 5.36% |
Coffeyville, KS (FHA|USDA|VA) | 83 | $6,495,000 | $78,253 | $1,819 | 5.66% |
JOPLIN, MO (FHA|USDA|VA) | 24 | $3,190,000 | $132,917 | $1,928 | 5.31% |
Ponca City, OK (FHA|USDA|VA) | 29 | $2,875,000 | $99,138 | $2,802 | 5.00% |
Emporia, KS (FHA|USDA|VA) | 17 | $2,595,000 | $152,647 | $1,959 | 4.95% |
Parsons, KS (FHA|USDA|VA) | 29 | $1,825,000 | $62,931 | $2,044 | 5.43% |
CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 4.80% |
KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,347 | 4.56% |
Stillwater, OK (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 5.55% |
TULSA, OK (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $2,506 | 5.00% |
Hutchinson, KS (FHA|USDA|VA) | 4 | $300,000 | $75,000 | $2,228 | 5.22% |
Bartlesville, OK (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $2,285 | 6.58% |
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.95% |
Aberdeen, SD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,027 | 4.88% |
MANHATTAN, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,753 | 5.00% |
SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,083 | 4.88% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,696 | 5.25% |
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.
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Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 716 | $70,230,000 | $98,087 | $1,713 | 5.45% |
For 2018, Community National Bank & Trust's most frequently originated type of loan was Conventional, with 716 originations.
Loan Reason
For 2018, Community National Bank & Trust's most frequently cited loan purpose was Home Purchase, with 417 originations. The 2nd most popular reason was Refi, with 173 originations.
Loan Duration/Length
For 2018, Community National Bank & Trust's most frequently cited loan duration was 30 Year, with 204 originations. The 2nd most popular length was 5 Year, with 113 originations.
Origination Fees/Closing Costs
Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
---|---|---|---|
$<1k | 388 | $40,010,000 | $103,119 |
$1k-2k | 16 | $2,220,000 | $138,750 |
Community National Bank & Trust's average total fees were $2,172, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 388 originations.
Interest Rates
During 2018, Community National Bank & Trust's average interest rate for loans was 4.95%, while their most frequently originated rate bucket for loans was 5-6%, with 310 originations.
Loan Sizing
2018 saw Community National Bank & Trust place emphasis on $100,000 or less loans with 472 originations, totaling $21,950,000 in origination value.
Applicant Income
Community National Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 166 originations. The second most popular income band? $50k-75k, with 117 originations.
Applicant Debt to Income Ratio
Community National Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 136 originations. The next most common DTI ratio? 30-36%, with 98 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.95%
Community National Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination79.19%
Community National Bank & Trust has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 716 | $70,230,000 | $98,087 |
Occupancy Type Mix
LTV Distribution
Complaints
Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
Community Loan Fund of New Jersey, Inc | Conventional home mortgage | Struggling to pay mortgage | 1 | 100.0% |
Bank Details
Branches
Bank Name | Branch | Branch Type | Deposits (000's) |
---|---|---|---|
Community National Bank & Trust | 120 East Madison Iola, KS 66749 | Full Service B&M | $63,237 |
Community National Bank & Trust | 100 Delaware Edna, KS 67342 | Full Service B&M | $30,970 |
Community National Bank & Trust | 102 North 4th Neodesha, KS 66757 | Full Service B&M | $23,683 |
Community National Bank & Trust | 1109 Gulf Street Lamar, MO 64759 | Full Service B&M | $36,786 |
Community National Bank & Trust | 1112 Main Street Winfield, KS 67156 | Full Service B&M | $52,814 |
Community National Bank & Trust | 115 East First Chanute, KS 66720 | Limited, Drive-thru | $0 |
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 | $111,524 |
Community National Bank & Trust | 127 North Main Street Newton, KS 67114 | Full Service B&M | $13,631 |
Community National Bank & Trust | 14 North Lincoln Avenue Chanute, KS 66720 | Full Service B&M | $106,232 |
Community National Bank & Trust | 1440 Industrial Road Emporia, KS 66801 | Full Service B&M | $26,650 |
Community National Bank & Trust | 14500 Sw 20th Street Benton, KS 67017 | Full Service B&M | $8,653 |
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 | $52,452 |
Community National Bank & Trust | 207 North Washington Burns, KS 66840 | Full Service B&M | $6,455 |
Community National Bank & Trust | 2813 The Loop Carthage, MO 64836 | Full Service B&M | $8,558 |
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 | $51,949 |
Community National Bank & Trust | 330 North 16th St Parsons, KS 67357 | Full Service B&M | $19,807 |
Community National Bank & Trust | 333 West Main Cherryvale, KS 67335 | Full Service B&M | $26,719 |
Community National Bank & Trust | 401 East Centennial Pittsburg, KS 66762 | Full Service B&M | $53,128 |
Community National Bank & Trust | 401 East South Street Arma, KS 66712 | Full Service B&M | $14,771 |
Community National Bank & Trust | 401 North Main Eureka, KS 67045 | Full Service B&M | $35,146 |
Community National Bank & Trust | 4097 Parkview Drive Frontenac, KS 66763 | Full Service B&M | $21,068 |
Community National Bank & Trust | 500 North Summit Street Arkansas City, KS 67005 | Full Service B&M | $20,119 |
Community National Bank & Trust | 501 West 4th Caney, KS 67333 | Full Service B&M | $29,198 |
Community National Bank & Trust | 606 East St. John Girard, KS 66743 | Full Service B&M | $35,004 |
Community National Bank & Trust | 645 State Street Augusta, KS 67010 | Full Service B&M | $12,082 |
Community National Bank & Trust | 701 Merchant St Emporia, KS 66801 | Full Service B&M | $0 |
Community National Bank & Trust | 724 East Highway 54 El Dorado Springs, MO 64744 | Full Service B&M | $14,058 |
Community National Bank & Trust | 733 Madison Fredonia, KS 66736 | Full Service B&M | $17,718 |
Community National Bank & Trust | 901 East Prospect Avenue, Suite C Ponca City, OK 74601 | Full Service B&M | $267 |
Community National Bank & Trust | 901 W 11th Coffeyville, KS 67337 | Full Service B&M | $25,629 |
Community National Bank & Trust | Eighth And Osage Streets Humboldt, KS 66748 | Full Service B&M | $35,188 |
For 2018, Community National Bank & Trust had 34 branches.
Yearly Performance Overview
Bank Income
Item | Value (in 000's) |
---|---|
Total interest income | $46,905 |
Net interest income | $39,855 |
Total noninterest income | $10,040 |
Gross Fiduciary activities income | $590 |
Service charges on deposit accounts | $2,644 |
Trading account gains and fees | $0 |
Additional Noninterest Income | $6,806 |
Pre-tax net operating income | $11,024 |
Securities gains (or losses, -) | $-5 |
Income before extraordinary items | $8,812 |
Discontinued Operations (Extraordinary gains, net) | $0 |
Net income of bank and minority interests | $8,812 |
Minority interest net income | $0 |
Net income | $8,812 |
Sale, conversion, retirement of capital stock, net | $0 |
Net operating income | $8,816 |
Community National Bank & Trust's gross interest income from loans was $46,905,000.
Community National Bank & Trust's net interest income from loans was $39,855,000.
Community National Bank & Trust's fee based income from loans was $2,644,000.
Community National Bank & Trust's net income from loans was $8,812,000.
Bank Expenses
Item | Value (in 000's) |
---|---|
Total interest expense | $7,050 |
Provision for credit losses | $1,834 |
Total noninterest expense | $37,037 |
Salaries and employee benefits | $20,033 |
Premises and equipment expense | $6,464 |
Additional noninterest expense | $10,540 |
Applicable income taxes | $2,207 |
Net charge-offs | $759 |
Cash dividends | $12,750 |
Community National Bank & Trust's interest expense for loans was $7,050,000.
Community National Bank & Trust's payroll and benefits expense were $20,033,000.
Community National Bank & Trust's property, plant and equipment expenses $6,464,000.
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 | 1.0% |
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 | $1,016,718 |
Deposits held in domestic offices | $1,016,718 |
Deposits by Individuals, partnerships, and corporations | $878,721 |
Deposits by U.S. Government | $0 |
Deposits by States and political subdivisions in the U.S. | $136,035 |
Deposits by Commercial banks and other depository institutions in U.S. | $1,962 |
Deposits by Banks in foreign countries | $0 |
Deposits by Foreign governments and official institutions | $0 |
Transaction accounts | $40,009 |
Demand deposits | $37,577 |
Nontransaction accounts | $976,709 |
Money market deposit accounts (MMDAs) | $64,127 |
Other savings deposits (excluding MMDAs) | $613,954 |
Total time deposits | $298,627 |
Total time and savings deposits | $979,141 |
Noninterest-bearing deposits | $177,076 |
Interest-bearing deposits | $839,642 |
Retail deposits | $968,026 |
IRAs and Keogh plan accounts | $24,881 |
Brokered deposits | $0 |
Deposits held in foreign offices | $0 |
Assets
Asset | Value (in 000's) |
---|---|
Total Assets | $1,201,916 |
Cash & Balances due from depository institutions | $88,355 |
Interest-bearing balances | $55,241 |
Total securities | $164,408 |
Federal funds sold & reverse repurchase | $5,528 |
Net loans and leases | $849,523 |
Loan and leases loss allowance | $10,505 |
Trading account assets | $0 |
Bank premises and fixed assets | $41,423 |
Other real estate owned | $5,290 |
Goodwill and other intangibles | $17,228 |
All other assets | $30,161 |
Liabilities
Liabilities | Value (in 000's) |
---|---|
Total liabilities and capital | $1,201,916 |
Total Liabilities | $1,087,706 |
Total deposits | $1,016,718 |
Interest-bearing deposits | $839,642 |
Deposits held in domestic offices | $1,016,718 |
% insured (estimated) | $77 |
Federal funds purchased and repurchase agreements | $43,015 |
Trading liabilities | $0 |
Other borrowed funds | $15,000 |
Subordinated debt | $0 |
All other liabilities | $12,973 |
Issued Loan Types
Type | Value (in 000's) |
---|---|
Net loans and leases | $849,523 |
Loan and leases loss allowance | $10,505 |
Total loans and leases (domestic) | $860,028 |
All real estate loans | $624,953 |
Real estate loans in domestic offices | $624,953 |
Construction and development loans | $29,825 |
Residential 1-4 family construction | $12,676 |
Other construction, all land development and other land | $17,149 |
Loans secured by nonfarm nonresidential properties | $218,253 |
Nonfarm nonresidential secured by owner-occupied properties | $133,758 |
Commercial real estate & other non-farm, non-residential | $84,495 |
Multifamily residential real estate | $25,677 |
1-4 family residential loans | $219,504 |
Farmland loans | $131,694 |
Loans held in foreign offices | $0 |
Farm loans | $68,933 |
Commercial and industrial loans | $97,510 |
To non-U.S. addressees | $0 |
Loans to individuals | $33,239 |
Credit card loans | $2,098 |
Related Plans | $588 |
Consumer Auto Loans | $22,043 |
Other loans to individuals | $8,510 |
All other loans & leases | $35,393 |
Loans to foreign governments and official institutions | $0 |
Other loans | $2,720 |
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 | $3,399 |
Non 1-4 family restructured loans & leases | $3,399 |
Total loans and leases (foreign) | $0 |
Community National Bank & Trust had $849,523,000 of loans outstanding in 2018. $624,953,000 of loans were in real estate loans. $29,825,000 of loans were in development loans. $25,677,000 of loans were in multifamily mortgage loans. $219,504,000 of loans were in 1-4 family mortgage loans. $68,933,000 of loans were in farm loans. $2,098,000 of loans were in credit card loans. $22,043,000 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 | 673 | $111,773 | $166,082 |
Nonfarm, nonresidential loans - <$100k | 306 | $11,610 | $37,941 |
Nonfarm, nonresidential loans - $100-250k | 181 | $23,158 | $127,945 |
Nonfarm, nonresidential loans - $250k-1MM | 186 | $77,005 | $414,005 |
Commercial & Industrial, US addressed loans - <$1MM | 1,374 | $84,289 | $61,346 |
Commercial & Industrial, US addressed loans - <$100k | 1,076 | $22,221 | $20,651 |
Commercial & Industrial, US addressed loans - $100-250k | 144 | $13,583 | $94,326 |
Commercial & Industrial, US addressed loans - $250k-1MM | 154 | $48,485 | $314,838 |
Farmland loans - <$1MM | 699 | $56,012 | $80,132 |
Farmland loans - <$100k | 414 | $15,021 | $36,283 |
Farmland loans - $100-250k | 213 | $23,464 | $110,160 |
Farmland loans - $250k-1MM | 72 | $17,527 | $243,431 |
Agriculture operations loans - <$1MM | 1,373 | $51,307 | $37,369 |
Agriculture operations loans - <$100k | 1,183 | $26,506 | $22,406 |
Agriculture operations loans - $100-250k | 139 | $14,621 | $105,187 |
Agriculture operations loans - $250k-1MM | 51 | $10,180 | $199,608 |