Community National Bank & Trust Mortgage Rates, Fees & Info

Chanute, KS

LEI: 549300MUMD1WPCSXT518

Tax ID: 48-1038713

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

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  • SimulatedRates™
  • Mortgage Calculator

    • 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

    Community National Bank & Trust is a smaller bank specializing in Home Purchase, Refi, and Cash Out 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 34 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 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% 11/22/24
    30 Year Conventional Purchase 6.86% 11/22/24
    30 Year Conventional Refi 6.76% 11/22/24
    30 Year Cash-out Refi 6.83% 11/22/24
    30 Year FHA Purchase 6.27% 11/22/24
    30 Year VA Purchase 6.45% 11/22/24
    30 Year USDA Purchase 7.45% 11/22/24
    15 Year Conventional Purchase 6.55% 11/22/24
    15 Year Conventional Refi 6.16% 11/22/24
    15 Year Cash-out Refi 6.16% 11/22/24
    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

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

    This is not an official calculator from Community National Bank & Trust. 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

    927

    Origination Dollar Volume (All Markets)

    $116,605,000

    Employee count

    444 Show all (6) 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
    Outside of Metro Areas 265 $27,725,000 $104,623 $2,015 4.45%
    WICHITA, KS (FHA|USDA|VA) 190 $25,640,000 $134,947 $1,979 4.64%
    Pittsburg, KS (FHA|USDA|VA) 111 $15,365,000 $138,423 $2,323 4.29%
    Winfield, KS (FHA|USDA|VA) 101 $12,485,000 $123,614 $2,201 4.60%
    Coffeyville, KS (FHA|USDA|VA) 100 $7,650,000 $76,500 $1,754 4.93%
    Emporia, KS (FHA|USDA|VA) 36 $5,300,000 $147,222 $2,004 4.14%
    JOPLIN, MO (FHA|USDA|VA) 19 $5,065,000 $266,579 $2,266 4.38%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 12 $4,400,000 $366,667 $2,099 4.15%
    Ponca City, OK (FHA|USDA|VA) 33 $2,865,000 $86,818 $3,484 4.34%
    Parsons, KS (FHA|USDA|VA) 17 $2,125,000 $125,000 $2,810 4.48%
    TULSA, OK (FHA|USDA|VA) 8 $1,180,000 $147,500 $3,303 4.44%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $890,000 $445,000 $0 3.95%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $725,000 $725,000 $3,148 3.38%
    Hutchinson, KS (FHA|USDA|VA) 4 $720,000 $180,000 $2,480 4.92%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $465,000 $155,000 $1,462 4.36%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $425,000 $425,000 $0 4.50%
    TOPEKA, KS (FHA|USDA|VA) 2 $400,000 $200,000 $2,354 3.50%
    Ottawa, KS (FHA|USDA|VA) 3 $385,000 $128,333 $2,604 4.03%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $385,000 $385,000 $2,918 3.38%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $330,000 $165,000 $2,264 3.94%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $3,215 3.63%
    Stillwater, OK (FHA|USDA|VA) 1 $265,000 $265,000 $0 5.25%
    Bartlesville, OK (FHA|USDA|VA) 2 $240,000 $120,000 $3,237 4.00%
    ENID, OK (FHA|USDA|VA) 2 $240,000 $120,000 $5,343 4.88%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.25%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.75%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.25%
    Miami, OK (FHA|USDA|VA) 1 $105,000 $105,000 $2,030 5.50%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $105,000 $105,000 $1,426 4.25%
    MANHATTAN, KS (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
    LAWRENCE, KS (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.50%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $55,000 $55,000 $2,514 3.25%
    Sedalia, MO (FHA|USDA|VA) 1 $45,000 $45,000 $1,137 4.25%
    Branson, MO (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.25%
    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)
  • Tennessee (FHA|USDA|VA)
  • California (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: 32
    GOLDEN PLAINS
    Similarity Rank: 114
    SKYWARD
    Similarity Rank: 189
    Wichita Federal Credit Union
    Similarity Rank: 340
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 432
    Central National Bank
    Similarity Rank: 540
    Intrust Bank
    Similarity Rank: 616
    Members Mortgage Services, L.L.C.
    Similarity Rank: 693
    Citizens Bank of Kansas
    Similarity Rank: 732
    CREDIT UNION OF AMERICA
    Similarity Rank: 903

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 927 $116,605,000 $125,787 $2,149 4.52%

    For 2020, Community National Bank & Trust's most frequently originated type of loan was Conventional, with 927 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 459 $51,715,000 $112,669 $2,129 4.64%
    Refi 230 $36,540,000 $158,870 $2,326 4.87%
    Cash Out Refi 193 $26,645,000 $138,057 $2,252 3.68%
    Home Improvement 31 $925,000 $29,839 $1,341 5.09%
    Other 14 $780,000 $55,714 $1,148 4.84%

    For 2020, Community National Bank & Trust's most frequently cited loan purpose was Home Purchase, with 459 originations. The 2nd most popular reason was Refi, with 230 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 209 $21,795,000 $104,282 $2,355 4.17%
    30 Year 200 $32,270,000 $161,350 $2,189 3.99%
    20 Year 159 $19,335,000 $121,604 $2,220 4.06%
    5 Year 147 $18,715,000 $127,313 $612 5.42%
    Other 113 $14,625,000 $129,425 $1,143 5.12%
    10 Year 56 $4,840,000 $86,429 $1,133 4.94%
    1 Year 29 $2,835,000 $97,759 $1,568 5.36%
    3 Year 14 $2,190,000 $156,429 $418 4.66%

    For 2020, Community National Bank & Trust's most frequently cited loan duration was 15 Year, with 209 originations. The 2nd most popular length was 30 Year, with 200 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 438 $54,980,000 $125,525
    $1k-2k 22 $3,830,000 $174,091
    $2k-3k 5 $805,000 $161,000
    $4k-5k 3 $755,000 $251,667
    $3k-4k 2 $710,000 $355,000
    $5k+ 1 $345,000 $345,000

    Community National Bank & Trust's average total fees were $2,189, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 438 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 326 $44,660,000 $136,994
    5-6% 226 $15,120,000 $66,903
    3-4% 190 $32,470,000 $170,895
    2.5-3% 117 $18,685,000 $159,701
    6-7% 54 $3,420,000 $63,333
    <2.5% 12 $2,200,000 $183,333
    7-8% 1 $25,000 $25,000
    Over 8% 1 $25,000 $25,000

    During 2020, Community National Bank & Trust's average interest rate for loans was 3.99%, while their most frequently originated rate bucket for loans was 4-5%, with 326 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 558 $28,160,000 $50,466 $1,763 4.87%
    $100k-200k 233 $32,975,000 $141,524 $2,306 4.01%
    $200k-400k 98 $25,870,000 $263,980 $2,867 3.79%
    $400k-600k 18 $8,730,000 $485,000 $2,865 4.24%
    $600k-1MM 13 $9,815,000 $755,000 $3,017 4.33%
    $1MM+ 7 $11,055,000 $1,579,286 $3,633 4.70%

    2020 saw Community National Bank & Trust place emphasis on $100,000 or less loans with 558 originations, totaling $28,160,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 208 $12,770,000 $61,394 $1,723 4.90%
    $50k-75k 173 $15,315,000 $88,526 $2,034 4.42%
    $100k-150k 134 $18,150,000 $135,448 $2,288 4.09%
    $75k-100k 115 $11,695,000 $101,696 $2,144 4.43%
    $150k-250k 61 $12,115,000 $198,607 $2,967 3.73%
    $250k+ 31 $9,435,000 $304,355 $2,935 4.17%

    Community National Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 208 originations. The second most popular income band? $50k-75k, with 173 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 167 $19,735,000 $118,174 $2,202 3.92%
    30-36% 116 $14,830,000 $127,845 $2,246 3.86%
    <20% 98 $10,950,000 $111,735 $2,075 3.91%
    37% 25 $2,935,000 $117,400 $2,105 3.95%
    36% 22 $3,340,000 $151,818 $2,149 3.89%
    39% 18 $1,810,000 $100,556 $2,004 4.29%
    38% 16 $2,600,000 $162,500 $2,270 3.58%
    50-60% 9 $905,000 $100,556 $1,105 4.92%
    >60% 8 $1,750,000 $218,750 $1,575 5.27%
    42% 7 $565,000 $80,714 $1,031 5.31%
    40% 6 $710,000 $118,333 $2,077 4.25%
    41% 6 $930,000 $155,000 $3,552 3.90%
    44% 2 $50,000 $25,000 $1,950 4.75%
    46% 1 $185,000 $185,000 $1,893 4.25%
    47% 1 $75,000 $75,000 $0 5.05%
    48% 1 $75,000 $75,000 $1,345 4.25%
    49% 1 $105,000 $105,000 $2,030 5.50%
    45% 1 $55,000 $55,000 $250 6.00%

    Community National Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 167 originations. The next most common DTI ratio? 30-36%, with 116 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 740 $81,060,000 $109,541 $2,135 4.46%
    Not applicable 150 $30,130,000 $200,867 $0 4.93%
    Not provided 19 $2,535,000 $133,421 $2,135 4.10%
    American Indian 10 $1,270,000 $127,000 $2,711 4.06%
    Asian Indian 1 $725,000 $725,000 $3,148 3.38%
    Asian 4 $590,000 $147,500 $2,565 3.31%
    Black 3 $295,000 $98,333 $2,223 4.21%

    Approval Rates

    Total approvals of all applications
    92.36%

    Community National Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.21%

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

    Points and Fees

    Points Originations Total Value Average Loan
    104.0 8 $240,000 $30,000
    114.0 1 $45,000 $45,000
    148.96 1 $25,000 $25,000
    NA 917 $116,295,000 $126,821

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 10 $3,890,000 $389,000
    Multifamily:Site-Built 57 $22,225,000 $389,912
    Single Family (1-4 Units):Manufactured 48 $3,400,000 $70,833
    Single Family (1-4 Units):Site-Built 812 $87,090,000 $107,254

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 95 $8,405,000 $88,474 $1,665 4.87%
    40-60% 151 $20,985,000 $138,974 $2,040 4.80%
    60-80% 403 $56,165,000 $139,367 $2,164 4.46%
    80-100% 225 $27,475,000 $122,111 $2,343 4.15%
    Under 20% 53 $3,575,000 $67,453 $864 5.07%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Struggling to pay mortgage 1 33.3%
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Trouble during payment process 1 33.3%
    COMMUNITY BANK SYSTEM, INC. Other type of mortgage Closing on a mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community National Bank & Trust 100 Delaware Edna, KS 67342 Full Service B&M $37,522
    Community National Bank & Trust 102 North 4th Neodesha, KS 66757 Full Service B&M $29,267
    Community National Bank & Trust 1109 Gulf Street Lamar, MO 64759 Full Service B&M $42,757
    Community National Bank & Trust 1112 Main Street Winfield, KS 67156 Full Service B&M $68,671
    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 $72,727
    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 $132,936
    Community National Bank & Trust 127 North Main Street Newton, KS 67114 Full Service B&M $34,924
    Community National Bank & Trust 14 North Lincoln Avenue Chanute, KS 66720 Full Service B&M $108,634
    Community National Bank & Trust 1440 Industrial Road Emporia, KS 66801 Full Service B&M $41,134
    Community National Bank & Trust 14500 Sw 20th Street Benton, KS 67017 Full Service B&M $9,646
    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 $59,660
    Community National Bank & Trust 207 North Washington Burns, KS 66840 Full Service B&M $6,467
    Community National Bank & Trust 2813 The Loop Carthage, MO 64836 Full Service B&M $21,006
    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 $73,749
    Community National Bank & Trust 301 South Main Street Newkirk, OK 74647 Full Service B&M $172
    Community National Bank & Trust 330 North 16th St Parsons, KS 67357 Full Service B&M $22,178
    Community National Bank & Trust 333 West Main Cherryvale, KS 67335 Full Service B&M $29,052
    Community National Bank & Trust 401 East Centennial Pittsburg, KS 66762 Full Service B&M $65,654
    Community National Bank & Trust 401 East South Street Arma, KS 66712 Full Service B&M $17,869
    Community National Bank & Trust 401 North Main Eureka, KS 67045 Full Service B&M $44,759
    Community National Bank & Trust 4097 Parkview Drive Frontenac, KS 66763 Full Service B&M $22,949
    Community National Bank & Trust 500 North Summit Street Arkansas City, KS 67005 Full Service B&M $27,476
    Community National Bank & Trust 501 West 4th Caney, KS 67333 Full Service B&M $34,701
    Community National Bank & Trust 606 East St. John Girard, KS 66743 Full Service B&M $35,489
    Community National Bank & Trust 645 State Street Augusta, KS 67010 Full Service B&M $24,110
    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 $52,320
    Community National Bank & Trust 724 East Highway 54 El Dorado Springs, MO 64744 Full Service B&M $22,841
    Community National Bank & Trust 733 Madison Fredonia, KS 66736 Full Service B&M $20,437
    Community National Bank & Trust 901 W 11th Coffeyville, KS 67337 Full Service B&M $39,752
    Community National Bank & Trust Eighth And Osage Streets Humboldt, KS 66748 Full Service B&M $54,484

    For 2020, Community National Bank & Trust had 35 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $59,065
    Net interest income $49,084
    Total noninterest income $12,019
    Gross Fiduciary activities income $687
    Service charges on deposit accounts $2,350
    Trading account gains and fees $0
    Additional Noninterest Income $8,982
    Pre-tax net operating income $13,035
    Securities gains (or losses, -) $1,607
    Income before extraordinary items $11,580
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $11,580
    Minority interest net income $0
    Net income $11,580
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $10,310

    Community National Bank & Trust's gross interest income from loans was $59,065,000.
    Community National Bank & Trust's net interest income from loans was $49,084,000.
    Community National Bank & Trust's fee based income from loans was $2,350,000.
    Community National Bank & Trust's net income from loans was $11,580,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,981
    Provision for credit losses $2,365
    Total noninterest expense $45,703
    Salaries and employee benefits $24,841
    Premises and equipment expense $7,558
    Additional noninterest expense $13,304
    Applicable income taxes $3,062
    Net charge-offs $684
    Cash dividends $6,000

    Community National Bank & Trust's interest expense for loans was $9,981,000.
    Community National Bank & Trust's payroll and benefits expense were $24,841,000.
    Community National Bank & Trust's property, plant and equipment expenses $7,558,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    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 0.0%
    Personal loans 0.0%
    Credit card loans 0.2%
    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 $1,458,469
    Deposits held in domestic offices $1,458,469
    Deposits by Individuals, partnerships, and corporations $1,277,203
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $177,604
    Deposits by Commercial banks and other depository institutions in U.S. $3,662
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $107,658
    Demand deposits $104,389
    Nontransaction accounts $1,350,811
    Money market deposit accounts (MMDAs) $167,156
    Other savings deposits (excluding MMDAs) $876,932
    Total time deposits $306,722
    Total time and savings deposits $1,354,080
    Noninterest-bearing deposits $287,842
    Interest-bearing deposits $1,170,627
    Retail deposits $1,413,252
    IRAs and Keogh plan accounts $30,050
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,717,718
    Cash & Balances due from depository institutions $199,400
    Interest-bearing balances $157,300
    Total securities $325,755
    Federal funds sold & reverse repurchase $5,224
    Net loans and leases $1,064,772
    Loan and leases loss allowance $12,503
    Trading account assets $0
    Bank premises and fixed assets $45,802
    Other real estate owned $7,806
    Goodwill and other intangibles $21,654
    All other assets $47,305

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,717,718
    Total Liabilities $1,561,969
    Total deposits $1,458,469
    Interest-bearing deposits $1,170,627
    Deposits held in domestic offices $1,458,469
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $63,131
    Trading liabilities $0
    Other borrowed funds $24,125
    Subordinated debt $0
    All other liabilities $16,244

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,064,772
    Loan and leases loss allowance $12,503
    Total loans and leases (domestic) $1,077,275
    All real estate loans $723,931
    Real estate loans in domestic offices $723,931
    Construction and development loans $32,212
    Residential 1-4 family construction $12,737
    Other construction, all land development and other land $19,475
    Loans secured by nonfarm nonresidential properties $244,999
    Nonfarm nonresidential secured by owner-occupied properties $165,698
    Commercial real estate & other non-farm, non-residential $79,301
    Multifamily residential real estate $25,279
    1-4 family residential loans $277,302
    Farmland loans $144,139
    Loans held in foreign offices $0
    Farm loans $99,647
    Commercial and industrial loans $183,251
    To non-U.S. addressees $0
    Loans to individuals $40,825
    Credit card loans $1,891
    Related Plans $484
    Consumer Auto Loans $26,992
    Other loans to individuals $11,458
    All other loans & leases $31,179
    Loans to foreign governments and official institutions $0
    Other loans $2,648
    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 $678
    Non 1-4 family restructured loans & leases $678
    Total loans and leases (foreign) $0

    Community National Bank & Trust had $1,064,772,000 of loans outstanding in 2020. $723,931,000 of loans were in real estate loans. $32,212,000 of loans were in development loans. $25,279,000 of loans were in multifamily mortgage loans. $277,302,000 of loans were in 1-4 family mortgage loans. $99,647,000 of loans were in farm loans. $1,891,000 of loans were in credit card loans. $26,992,000 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 749 $127,535 $170,274
    Nonfarm, nonresidential loans - <$100k 329 $12,089 $36,745
    Nonfarm, nonresidential loans - $100-250k 185 $23,768 $128,476
    Nonfarm, nonresidential loans - $250k-1MM 235 $91,678 $390,119
    Commercial & Industrial, US addressed loans - <$1MM 2,245 $123,874 $55,178
    Commercial & Industrial, US addressed loans - <$100k 1,829 $40,400 $22,089
    Commercial & Industrial, US addressed loans - $100-250k 226 $22,649 $100,217
    Commercial & Industrial, US addressed loans - $250k-1MM 190 $60,825 $320,132
    Farmland loans - <$1MM 975 $83,807 $85,956
    Farmland loans - <$100k 527 $19,443 $36,894
    Farmland loans - $100-250k 328 $35,717 $108,893
    Farmland loans - $250k-1MM 120 $28,647 $238,725
    Agriculture operations loans - <$1MM 1,606 $55,515 $34,567
    Agriculture operations loans - <$100k 1,399 $27,746 $19,833
    Agriculture operations loans - $100-250k 146 $13,890 $95,137
    Agriculture operations loans - $250k-1MM 61 $13,879 $227,525