Tri City National Bank Mortgage Rates, Fees & Info

Oak Creek, WI

LEI: 549300OCKUW7YV0YNV03

Tax ID: 39-1022456

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

    Tri City National Bank is a smaller bank specializing in Refi and Home Purchase loans. Tri City National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Milwaukee, Racine, Chicago, Miami, and Whitewater among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Tri City National Bank 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. Tri City National 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.

    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 6.32% 4/18/24
    30 Year Conventional Refi 6.08% 4/18/24
    30 Year Cash-out Refi 6.61% 4/18/24
    30 Year FHA Purchase 6.27% 4/18/24
    30 Year FHA Refi 6.27% 4/18/24
    30 Year VA Purchase 6.27% 4/18/24
    30 Year VA Refi 6.27% 4/18/24
    15 Year Conventional Purchase 5.86% 4/18/24
    15 Year Conventional Refi 5.92% 4/18/24
    15 Year Cash-out Refi 5.92% 4/18/24
    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.

    Tri City National Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Tri City National Bank. 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

    741

    Origination Dollar Volume (All Markets)

    $162,735,000

    Employee count

    443

    Awards

    Tri City National Bank 30 Year Conventional Loans silver Tri City National Bank 30 Year Conventional Loans silver Tri City National Bank 30 Year Conventional Loans bronze
    Show all (3) 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
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 561 $126,755,000 $225,945 $1,905 3.20%
    RACINE, WI (FHA|USDA|VA) 112 $20,180,000 $180,179 $2,101 3.40%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 32 $6,030,000 $188,438 $2,097 3.18%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $2,665,000 $2,665,000 $0 3.88%
    Whitewater, WI (FHA|USDA|VA) 7 $2,045,000 $292,143 $2,739 3.41%
    Outside of Metro Areas 8 $1,800,000 $225,000 $1,956 3.23%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $590,000 $295,000 $3,308 3.00%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 4 $560,000 $140,000 $1,831 3.22%
    SHEBOYGAN, WI (FHA|USDA|VA) 2 $460,000 $230,000 $2,012 2.75%
    Baraboo, WI (FHA|USDA|VA) 1 $295,000 $295,000 $2,122 3.25%
    Shawano, WI (FHA|USDA|VA) 2 $280,000 $140,000 $1,877 3.00%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $2,775 3.63%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $195,000 $195,000 $3,084 3.00%
    Marinette, WI-MI (FHA|USDA|VA) 2 $150,000 $75,000 $2,278 3.69%
    MADISON, WI (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.00%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $125,000 $125,000 $952 2.88%
    GREEN BAY, WI (FHA|USDA|VA) 1 $125,000 $125,000 $1,927 2.50%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $55,000 $55,000 $1,959 3.13%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $45,000 $45,000 $1,904 3.50%
    Tri City National Bank's top markets include Milwaukee, Racine, Chicago, Miami, and Whitewater among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • Similar Lenders

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

    Hometown Bank
    Similarity Rank: 144
    Liberty Bank for Savings
    Similarity Rank: 312
    Glenview State Bank
    Similarity Rank: 312
    Empower Credit Union
    Similarity Rank: 459
    Horicon Bank
    Similarity Rank: 540
    The Greenwood's State Bank
    Similarity Rank: 540
    Westbury Bank
    Similarity Rank: 612
    CROWN MORTGAGE COMPANY
    Similarity Rank: 627
    AMERITRUST MORTGAGE CORPORATION
    Similarity Rank: 648
    Fox Valley Savings Bank
    Similarity Rank: 952

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 741 $162,735,000 $219,615 $1,957 3.24%

    For 2020, Tri City National Bank's most frequently originated type of loan was Conventional, with 741 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 343 $67,745,000 $197,507 $1,733 3.04%
    Home Purchase 230 $70,840,000 $308,000 $2,238 3.42%
    Cash Out Refi 132 $22,290,000 $168,864 $2,528 3.00%
    Home Improvement 23 $1,085,000 $47,174 $368 4.68%
    Other 13 $775,000 $59,615 $330 4.89%

    For 2020, Tri City National Bank's most frequently cited loan purpose was Refi, with 343 originations. The 2nd most popular reason was Home Purchase, with 230 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 348 $75,000,000 $215,517 $2,312 3.18%
    15 Year 205 $32,515,000 $158,610 $1,793 2.74%
    20 Year 54 $9,250,000 $171,296 $1,682 3.08%
    5 Year 50 $14,800,000 $296,000 $0 4.27%
    10 Year 23 $12,525,000 $544,565 $248 4.56%
    3 Year 22 $5,220,000 $237,273 $0 4.59%
    1 Year 20 $9,130,000 $456,500 $1,629 4.06%
    Other 19 $4,295,000 $226,053 $1,305 3.27%

    For 2020, Tri City National Bank's most frequently cited loan duration was 30 Year, with 348 originations. The 2nd most popular length was 15 Year, with 205 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 450 $84,980,000 $188,844
    $1k-2k 131 $22,175,000 $169,275
    $2k-3k 40 $9,320,000 $233,000
    $4k-5k 13 $3,545,000 $272,692
    $3k-4k 9 $2,815,000 $312,778
    $5k+ 5 $1,455,000 $291,000

    Tri City National Bank's average total fees were $2,312, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 450 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 264 $64,130,000 $242,917
    2.5-3% 257 $61,995,000 $241,226
    <2.5% 126 $24,940,000 $197,937
    4-5% 76 $10,350,000 $136,184
    5-6% 18 $1,320,000 $73,333

    During 2020, Tri City National Bank's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 264 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 299 $43,165,000 $144,365 $1,909 3.09%
    $200k-400k 213 $56,675,000 $266,080 $2,269 3.16%
    $100,000 or less 161 $10,775,000 $66,925 $1,397 3.63%
    $400k-600k 50 $23,500,000 $470,000 $2,501 3.07%
    $600k-1MM 11 $8,605,000 $782,273 $3,006 3.39%
    $1MM+ 7 $20,015,000 $2,859,286 $0 3.63%

    2020 saw Tri City National Bank place emphasis on $100k-200k loans with 299 originations, totaling $43,165,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 162 $24,430,000 $150,802 $1,862 3.24%
    $100k-150k 149 $31,325,000 $210,235 $2,108 3.09%
    $50k or less 119 $13,125,000 $110,294 $1,941 3.25%
    $75k-100k 110 $20,140,000 $183,091 $2,070 3.18%
    $150k-250k 65 $19,035,000 $292,846 $2,167 3.13%
    $250k+ 37 $12,615,000 $340,946 $1,870 3.07%

    Tri City National Bank lent most frequently to those with incomes in the $50k-75k range, with 162 originations. The second most popular income band? $100k-150k, with 149 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 171 $29,405,000 $171,959 $1,984 3.06%
    30-36% 127 $22,155,000 $174,449 $1,919 3.10%
    <20% 99 $19,845,000 $200,455 $1,761 3.02%
    42% 33 $5,965,000 $180,758 $1,912 3.40%
    43% 32 $6,100,000 $190,625 $2,194 3.29%
    40% 30 $7,140,000 $238,000 $2,231 3.28%
    44% 22 $4,510,000 $205,000 $1,768 3.13%
    36% 21 $4,445,000 $211,667 $1,694 3.11%
    41% 21 $4,135,000 $196,905 $1,951 3.25%
    47% 20 $3,500,000 $175,000 $2,219 3.47%
    39% 19 $3,985,000 $209,737 $2,147 3.18%
    45% 17 $2,795,000 $164,412 $2,178 3.22%
    38% 15 $2,785,000 $185,667 $1,890 3.36%
    37% 13 $2,065,000 $158,846 $1,776 3.31%
    46% 12 $2,660,000 $221,667 $2,647 3.06%
    48% 12 $3,380,000 $281,667 $1,927 2.76%
    49% 6 $1,390,000 $231,667 $2,106 2.90%
    50-60% 5 $985,000 $197,000 $1,919 4.15%
    >60% 4 $420,000 $105,000 $952 4.73%

    Tri City National Bank lent most frequently to those with DTI ratios of 20-30%, with 171 originations. The next most common DTI ratio? 30-36%, with 127 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 572 $104,800,000 $183,217 $1,958 3.16%
    Not applicable 58 $33,890,000 $584,310 $0 4.20%
    Asian 47 $12,155,000 $258,617 $2,067 3.04%
    Not provided 28 $5,410,000 $193,214 $1,908 3.10%
    Black 21 $2,275,000 $108,333 $1,945 3.33%
    Asian Indian 6 $1,480,000 $246,667 $1,329 2.60%
    Chinese 4 $1,360,000 $340,000 $1,943 3.34%
    American Indian 2 $540,000 $270,000 $1,406 3.19%
    Native Hawaiian or Islander 1 $485,000 $485,000 $2,981 2.75%
    Filipino 1 $265,000 $265,000 $2,497 2.88%
    Other Pacific Islander 1 $75,000 $75,000 $1,559 3.00%

    Approval Rates

    Total approvals of all applications
    86.26%

    Tri City National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.30%

    Tri City National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 741 $162,735,000 $219,615

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 31 $26,045,000 $840,161
    Single Family (1-4 Units):Manufactured 2 $90,000 $45,000
    Single Family (1-4 Units):Site-Built 708 $136,600,000 $192,938

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 82 $11,730,000 $143,049 $1,495 3.36%
    40-60% 187 $35,655,000 $190,668 $1,780 3.05%
    60-80% 314 $88,030,000 $280,350 $2,262 3.18%
    80-100% 120 $25,500,000 $212,500 $2,234 3.12%
    Under 20% 38 $1,820,000 $47,895 $116 4.73%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    TRUIST FINANCIAL CORPORATION VA mortgage Trouble during payment process 6 2.1%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 30 10.6%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Closing on a mortgage 13 4.6%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Incorrect information on your report 8 2.8%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 6 2.1%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Struggling to pay mortgage 50 17.7%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Trouble during payment process 99 35.0%
    TRUIST FINANCIAL CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.7%
    TRUIST FINANCIAL CORPORATION FHA mortgage Closing on a mortgage 1 0.4%
    TRUIST FINANCIAL CORPORATION FHA mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.4%
    TRUIST FINANCIAL CORPORATION FHA mortgage Struggling to pay mortgage 10 3.5%
    TRUIST FINANCIAL CORPORATION FHA mortgage Trouble during payment process 6 2.1%
    TRUIST FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 6 2.1%
    TRUIST FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.1%
    TRUIST FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Incorrect information on your report 1 0.4%
    TRUIST FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 4 1.4%
    TRUIST FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Trouble during payment process 12 4.2%
    TRUIST FINANCIAL CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 0.4%
    TRUIST FINANCIAL CORPORATION Other type of mortgage Closing on a mortgage 4 1.4%
    TRUIST FINANCIAL CORPORATION Other type of mortgage Struggling to pay mortgage 3 1.1%
    TRUIST FINANCIAL CORPORATION Other type of mortgage Trouble during payment process 14 4.9%
    TRUIST FINANCIAL CORPORATION VA mortgage Incorrect information on your report 1 0.4%
    TRUIST FINANCIAL CORPORATION VA mortgage Struggling to pay mortgage 2 0.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Tri City National Bank 10859 West Bluemound Road Wauwatosa, WI 53226 Full Service B&M $23,627
    Tri City National Bank 10909 West Greenfield Avenue West Allis, WI 53214 Full Service B&M $63,013
    Tri City National Bank 1202 North Green Bay Road Racine, WI 53406 Full Service Retail $3,281
    Tri City National Bank 12745 West Capitol Drive Brookfield, WI 53005 Full Service B&M $43,149
    Tri City National Bank 150 West Holt Avenue Milwaukee, WI 53207 Full Service Retail $17,706
    Tri City National Bank 15170 W Greenfield Ave Brookfield, WI 53005 Full Service Retail $6,130
    Tri City National Bank 17100 West Bluemound Road Brookfield, WI 53005 Full Service B&M $65,951
    Tri City National Bank 201 East Sunset Waukesha, WI 53189 Full Service B&M $9,079
    Tri City National Bank 2115 10th Avenue South Milwaukee, WI 53172 Full Service B&M $27,400
    Tri City National Bank 220 East Sunset Drive Waukesha, WI 53186 Full Service Retail $11,069
    Tri City National Bank 2201 Miller Park Way West Milwaukee, WI 53219 Full Service B&M $11,955
    Tri City National Bank 2555 West Ryan Road Franklin, WI 53154 Full Service B&M $59,836
    Tri City National Bank 2625 South 108th Street West Allis, WI 53227 Full Service Retail $19,378
    Tri City National Bank 2704 Lathrop Avenue Racine, WI 53405 Full Service B&M $174,733
    Tri City National Bank 3164 South 76th Street Milwaukee, WI 53219 Full Service B&M $71,879
    Tri City National Bank 3378 South 27th Street Milwaukee, WI 53215 Full Service B&M $23,030
    Tri City National Bank 3701 South 27th Street Milwaukee, WI 53221 Full Service Retail $12,861
    Tri City National Bank 3900 Erie Street Racine, WI 53402 Full Service Retail $10,834
    Tri City National Bank 4101 Durand Avenue Racine, WI 53405 Limited, Drive-thru $0
    Tri City National Bank 4200-D South 76th Street Greenfield, WI 53220 Full Service Retail $15,803
    Tri City National Bank 4295 West Bradley Road Brown Deer, WI 53223 Full Service B&M $69,675
    Tri City National Bank 4708 Northwestern Avenue Racine, WI 53406 Full Service B&M $39,482
    Tri City National Bank 4968 South Whitnall Avenue Saint Francis, WI 53235 Full Service Retail $21,475
    Tri City National Bank 5455 S. 108th St Hales Corners, WI 53130 Limited, Drive-thru $0
    Tri City National Bank 5555 South 108th Street Hales Corners, WI 53130 Full Service B&M $192,356
    Tri City National Bank 5901 Washington Road Kenosha, WI 53140 Full Service B&M $15,590
    Tri City National Bank 6312 South 27th Street Oak Creek, WI 53154 Full Service Retail $25,374
    Tri City National Bank 6400 South 27th Street Oak Creek, WI 53154 Full Service B&M $212,070
    Tri City National Bank 6760 West National Avenue West Allis, WI 53214 Full Service Retail $18,502
    Tri City National Bank 6767 West Greenfield Avenue West Allis, WI 53214 Full Service B&M $61,022
    Tri City National Bank 8710 Durand Avenue Sturtevant, WI 53177 Full Service B&M $27,463
    Tri City National Bank 8770 South Howell Avenue Oak Creek, WI 53154 Full Service Retail $32,831
    Tri City National Bank 9200 North Greenbay Brown Deer, WI 53209 Full Service Retail $11,064
    Tri City National Bank N96 W18211 County Line Menomonee Falls, WI 53051 Full Service B&M $58,073

    For 2020, Tri City National Bank had 34 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $52,748
    Net interest income $51,301
    Total noninterest income $16,719
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,027
    Trading account gains and fees $0
    Additional Noninterest Income $12,692
    Pre-tax net operating income $16,737
    Securities gains (or losses, -) $0
    Income before extraordinary items $14,218
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,218
    Minority interest net income $0
    Net income $14,218
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,218

    Tri City National Bank's gross interest income from loans was $52,748,000.
    Tri City National Bank's net interest income from loans was $51,301,000.
    Tri City National Bank's fee based income from loans was $4,027,000.
    Tri City National Bank's net income from loans was $14,218,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,447
    Provision for credit losses $1,500
    Total noninterest expense $49,783
    Salaries and employee benefits $27,519
    Premises and equipment expense $7,210
    Additional noninterest expense $15,054
    Applicable income taxes $2,519
    Net charge-offs $-534
    Cash dividends $4,672

    Tri City National Bank's interest expense for loans was $1,447,000.
    Tri City National Bank's payroll and benefits expense were $27,519,000.
    Tri City National Bank's property, plant and equipment expenses $7,210,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    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 0.0%
    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 $1,576,153
    Deposits held in domestic offices $1,576,153
    Deposits by Individuals, partnerships, and corporations $1,483,011
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $93,142
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $194,583
    Demand deposits $70,419
    Nontransaction accounts $1,381,570
    Money market deposit accounts (MMDAs) $1,039,018
    Other savings deposits (excluding MMDAs) $285,170
    Total time deposits $57,383
    Total time and savings deposits $1,505,734
    Noninterest-bearing deposits $418,247
    Interest-bearing deposits $1,157,906
    Retail deposits $1,569,618
    IRAs and Keogh plan accounts $24,469
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,799,416
    Cash & Balances due from depository institutions $184,345
    Interest-bearing balances $150,383
    Total securities $559,064
    Federal funds sold & reverse repurchase $11,019
    Net loans and leases $946,224
    Loan and leases loss allowance $13,107
    Trading account assets $0
    Bank premises and fixed assets $15,906
    Other real estate owned $0
    Goodwill and other intangibles $1,672
    All other assets $81,186

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,799,416
    Total Liabilities $1,610,446
    Total deposits $1,576,153
    Interest-bearing deposits $1,157,906
    Deposits held in domestic offices $1,576,153
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $34,293

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $946,224
    Loan and leases loss allowance $13,107
    Total loans and leases (domestic) $959,331
    All real estate loans $884,112
    Real estate loans in domestic offices $884,112
    Construction and development loans $61,489
    Residential 1-4 family construction $14,521
    Other construction, all land development and other land $46,968
    Loans secured by nonfarm nonresidential properties $519,011
    Nonfarm nonresidential secured by owner-occupied properties $136,914
    Commercial real estate & other non-farm, non-residential $382,097
    Multifamily residential real estate $134,715
    1-4 family residential loans $167,612
    Farmland loans $1,285
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $69,045
    To non-U.S. addressees $0
    Loans to individuals $5,958
    Credit card loans $0
    Related Plans $194
    Consumer Auto Loans $795
    Other loans to individuals $4,969
    All other loans & leases $216
    Loans to foreign governments and official institutions $0
    Other loans $0
    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 $74,271
    Restructured Loans & leases $10,146
    Non 1-4 family restructured loans & leases $2,551
    Total loans and leases (foreign) $0

    Tri City National Bank had $946,224,000 of loans outstanding in 2020. $884,112,000 of loans were in real estate loans. $61,489,000 of loans were in development loans. $134,715,000 of loans were in multifamily mortgage loans. $167,612,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $795,000 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 699 $131,977 $188,808
    Nonfarm, nonresidential loans - <$100k 150 $8,550 $57,000
    Nonfarm, nonresidential loans - $100-250k 247 $26,833 $108,636
    Nonfarm, nonresidential loans - $250k-1MM 302 $96,594 $319,848
    Commercial & Industrial, US addressed loans - <$1MM 10,544 $43,771 $4,151
    Commercial & Industrial, US addressed loans - <$100k 10,414 $22,806 $2,190
    Commercial & Industrial, US addressed loans - $100-250k 88 $10,742 $122,068
    Commercial & Industrial, US addressed loans - $250k-1MM 42 $10,223 $243,405
    Farmland loans - <$1MM 5 $1,285 $257,000
    Farmland loans - <$100k 1 $45 $45,000
    Farmland loans - $100-250k 1 $206 $206,000
    Farmland loans - $250k-1MM 3 $1,034 $344,667