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, Whitewater, and Watertown among others. We have data for 20 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% 4/21/24
    30 Year Conventional Refi 6.08% 4/21/24
    30 Year Cash-out Refi 6.61% 4/21/24
    30 Year FHA Purchase 6.27% 4/21/24
    30 Year FHA Refi 6.27% 4/21/24
    30 Year VA Purchase 6.27% 4/21/24
    30 Year VA Refi 6.27% 4/21/24
    15 Year Conventional Purchase 5.86% 4/21/24
    15 Year Conventional Refi 5.92% 4/21/24
    15 Year Cash-out Refi 5.92% 4/21/24
    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.

    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

    848

    Origination Dollar Volume (All Markets)

    $188,780,000

    Employee count

    380

    Awards

    Tri City National Bank 30 Year Conventional Loans silver
    Show all (1) 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) 597 $141,405,000 $236,859 $1,809 3.17%
    RACINE, WI (FHA|USDA|VA) 187 $31,505,000 $168,476 $1,809 3.18%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 23 $6,225,000 $270,652 $1,852 3.06%
    Whitewater, WI (FHA|USDA|VA) 10 $2,650,000 $265,000 $1,978 3.29%
    Outside of Metro Areas 7 $1,425,000 $203,571 $2,182 3.05%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 5 $1,175,000 $235,000 $2,599 2.85%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $605,000 $605,000 $6,320 3.25%
    Beaver Dam, WI (FHA|USDA|VA) 4 $580,000 $145,000 $3,246 3.13%
    SHEBOYGAN, WI (FHA|USDA|VA) 2 $460,000 $230,000 $2,141 3.31%
    GREEN BAY, WI (FHA|USDA|VA) 1 $415,000 $415,000 $2,116 3.00%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $375,000 $375,000 $0 4.00%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $365,000 $365,000 $5,586 2.38%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $285,000 $285,000 $2,733 3.25%
    APPLETON, WI (FHA|USDA|VA) 1 $275,000 $275,000 $3,379 3.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.00%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $240,000 $120,000 $2,591 2.81%
    Shawano, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,172 2.88%
    MADISON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $1,388 2.88%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $135,000 $135,000 $1,842 2.88%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.50%
    Tri City National Bank's top markets include Milwaukee, Racine, Chicago, Whitewater, and Watertown among others.

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

    First Savings Bank of Hegewisch
    Similarity Rank: 45
    Liberty Bank for Savings
    Similarity Rank: 153
    NORTHWESTERN MUTUAL
    Similarity Rank: 670
    The Greenwood's State Bank
    Similarity Rank: 750
    The Park Bank
    Similarity Rank: 819
    Hometown Bank
    Similarity Rank: 840
    AMERITRUST MORTGAGE CORPORATION
    Similarity Rank: 861
    Farmers & Merchants State Bank
    Similarity Rank: 976
    Westbury Bank
    Similarity Rank: 1007
    First Financial Credit Union
    Similarity Rank: 1090

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 848 $188,780,000 $222,618 $1,842 3.17%

    For 2021, Tri City National Bank's most frequently originated type of loan was Conventional, with 848 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 398 $74,860,000 $188,090 $1,447 3.16%
    Home Purchase 252 $83,300,000 $330,556 $2,396 3.19%
    Cash Out Refi 160 $28,090,000 $175,563 $2,456 2.90%
    Home Improvement 21 $1,695,000 $80,714 $420 4.26%
    Other 17 $835,000 $49,118 $216 4.27%

    For 2021, Tri City National Bank's most frequently cited loan purpose was Refi, with 398 originations. The 2nd most popular reason was Home Purchase, with 252 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 379 $86,845,000 $229,142 $2,241 3.08%
    15 Year 212 $34,540,000 $162,925 $1,985 2.52%
    10 Year 96 $6,830,000 $71,146 $108 4.52%
    20 Year 62 $8,490,000 $136,935 $2,005 2.94%
    5 Year 47 $27,595,000 $587,128 $0 3.74%
    1 Year 20 $11,020,000 $551,000 $1,732 3.64%
    3 Year 17 $3,125,000 $183,824 $0 4.15%
    Other 15 $10,335,000 $689,000 $1,733 3.37%

    For 2021, Tri City National Bank's most frequently cited loan duration was 30 Year, with 379 originations. The 2nd most popular length was 15 Year, with 212 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 518 $92,500,000 $178,571
    $1k-2k 123 $21,155,000 $171,992
    $2k-3k 46 $11,200,000 $243,478
    $3k-4k 23 $5,255,000 $228,478
    $4k-5k 8 $2,020,000 $252,500
    $5k+ 5 $1,875,000 $375,000

    Tri City National Bank's average total fees were $2,241, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 518 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 285 $62,215,000 $218,298
    3-4% 238 $77,460,000 $325,462
    <2.5% 204 $39,020,000 $191,275
    4-5% 114 $9,860,000 $86,491
    5-6% 6 $200,000 $33,333
    6-7% 1 $25,000 $25,000

    During 2021, Tri City National Bank's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 2.5-3%, with 285 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 321 $45,805,000 $142,695 $1,998 2.98%
    $100,000 or less 227 $14,835,000 $65,352 $957 3.63%
    $200k-400k 214 $58,930,000 $275,374 $2,261 2.99%
    $400k-600k 52 $25,000,000 $480,769 $2,576 3.05%
    $600k-1MM 19 $14,015,000 $737,632 $3,618 3.11%
    $1MM+ 15 $30,195,000 $2,013,000 $2,429 3.29%

    2021 saw Tri City National Bank place emphasis on $100k-200k loans with 321 originations, totaling $45,805,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 216 $28,560,000 $132,222 $1,742 3.15%
    $50k or less 161 $15,635,000 $97,112 $1,726 3.21%
    $100k-150k 133 $28,455,000 $213,947 $1,705 3.14%
    $75k-100k 127 $22,735,000 $179,016 $1,914 3.13%
    $150k-250k 77 $22,235,000 $288,766 $2,348 3.11%
    $250k+ 39 $16,345,000 $419,103 $2,741 2.98%

    Tri City National Bank lent most frequently to those with incomes in the $50k-75k range, with 216 originations. The second most popular income band? $50k or less, with 161 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 225 $38,975,000 $173,222 $1,824 3.07%
    30-36% 159 $29,025,000 $182,547 $1,860 3.10%
    <20% 94 $16,930,000 $180,106 $1,472 3.35%
    39% 32 $4,750,000 $148,438 $2,262 2.91%
    36% 29 $5,275,000 $181,897 $1,656 3.30%
    40% 27 $5,575,000 $206,481 $1,839 3.05%
    46% 26 $3,780,000 $145,385 $2,281 3.04%
    42% 25 $5,415,000 $216,600 $2,084 3.06%
    43% 23 $5,045,000 $219,348 $2,254 2.98%
    44% 23 $4,595,000 $199,783 $1,866 3.05%
    38% 22 $4,140,000 $188,182 $2,006 3.07%
    41% 19 $2,365,000 $124,474 $1,438 3.34%
    48% 16 $3,630,000 $226,875 $1,457 3.45%
    37% 14 $2,590,000 $185,000 $1,745 3.23%
    47% 13 $2,105,000 $161,923 $2,309 2.88%
    49% 13 $2,285,000 $175,769 $2,025 2.89%
    45% 10 $1,320,000 $132,000 $1,754 3.24%
    50-60% 7 $1,595,000 $227,857 $2,481 3.34%
    >60% 2 $660,000 $330,000 $2,364 3.88%

    Tri City National Bank lent most frequently to those with DTI ratios of 20-30%, with 225 originations. The next most common DTI ratio? 30-36%, with 159 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 679 $122,055,000 $179,757 $1,832 3.14%
    Not applicable 60 $43,790,000 $729,833 $2,429 3.68%
    Asian 45 $13,085,000 $290,778 $2,297 2.96%
    Not provided 24 $3,830,000 $159,583 $1,733 2.97%
    Black 30 $3,380,000 $112,667 $1,466 3.49%
    Asian Indian 5 $1,175,000 $235,000 $1,177 2.48%
    Chinese 1 $975,000 $975,000 $3,614 2.49%
    American Indian 4 $490,000 $122,500 $1,580 2.63%

    Approval Rates

    Total approvals of all applications
    87.52%

    Tri City National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.72%

    Tri City National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 848 $188,780,000 $222,618

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    848 $188,780,000 $222,618

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 147 $18,805,000 $127,925 $1,152 3.39%
    40-60% 238 $46,200,000 $194,118 $1,744 3.02%
    60-80% 299 $86,715,000 $290,017 $2,274 3.09%
    80-100% 125 $34,815,000 $278,520 $2,345 3.00%
    Under 20% 39 $2,245,000 $57,564 $274 4.38%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 57 10.7%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Closing on a mortgage 29 5.4%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Improper use of your report 1 0.2%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Incorrect information on your report 11 2.1%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 2 0.4%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Struggling to pay mortgage 38 7.1%
    TRUIST FINANCIAL CORPORATION Conventional home mortgage Trouble during payment process 244 45.6%
    TRUIST FINANCIAL CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 1.3%
    TRUIST FINANCIAL CORPORATION FHA mortgage Closing on a mortgage 4 0.7%
    TRUIST FINANCIAL CORPORATION FHA mortgage Incorrect information on your report 2 0.4%
    TRUIST FINANCIAL CORPORATION FHA mortgage Struggling to pay mortgage 18 3.4%
    TRUIST FINANCIAL CORPORATION FHA mortgage Trouble during payment process 25 4.7%
    TRUIST FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 6 1.1%
    TRUIST FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Closing on a mortgage 5 0.9%
    TRUIST FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Incorrect information on your report 1 0.2%
    TRUIST FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 7 1.3%
    TRUIST FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Trouble during payment process 18 3.4%
    TRUIST FINANCIAL CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 10 1.9%
    TRUIST FINANCIAL CORPORATION Other type of mortgage Closing on a mortgage 6 1.1%
    TRUIST FINANCIAL CORPORATION Other type of mortgage Improper use of your report 1 0.2%
    TRUIST FINANCIAL CORPORATION Other type of mortgage Incorrect information on your report 1 0.2%
    TRUIST FINANCIAL CORPORATION Other type of mortgage Struggling to pay mortgage 4 0.7%
    TRUIST FINANCIAL CORPORATION Other type of mortgage Trouble during payment process 17 3.2%
    TRUIST FINANCIAL CORPORATION VA mortgage Applying for a mortgage or refinancing an existing mortgage 6 1.1%
    TRUIST FINANCIAL CORPORATION VA mortgage Struggling to pay mortgage 3 0.6%
    TRUIST FINANCIAL CORPORATION VA mortgage Trouble during payment process 12 2.2%

    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 $27,725
    Tri City National Bank 10909 West Greenfield Avenue West Allis, WI 53214 Full Service B&M $79,963
    Tri City National Bank 1202 North Green Bay Road Racine, WI 53406 Full Service Retail $3,781
    Tri City National Bank 12745 West Capitol Drive Brookfield, WI 53005 Full Service B&M $46,451
    Tri City National Bank 150 West Holt Avenue Milwaukee, WI 53207 Full Service Retail $22,546
    Tri City National Bank 15170 W Greenfield Ave Brookfield, WI 53005 Full Service Retail $8,156
    Tri City National Bank 17100 West Bluemound Road Brookfield, WI 53005 Full Service B&M $78,586
    Tri City National Bank 201 East Sunset Waukesha, WI 53189 Full Service B&M $10,966
    Tri City National Bank 2115 10th Avenue South Milwaukee, WI 53172 Full Service B&M $30,318
    Tri City National Bank 220 East Sunset Drive Waukesha, WI 53186 Full Service Retail $12,159
    Tri City National Bank 2201 Miller Park Way West Milwaukee, WI 53219 Full Service B&M $14,531
    Tri City National Bank 2555 West Ryan Road Franklin, WI 53154 Full Service B&M $70,140
    Tri City National Bank 2625 South 108th Street West Allis, WI 53227 Full Service Retail $22,265
    Tri City National Bank 2704 Lathrop Avenue Racine, WI 53405 Full Service B&M $189,357
    Tri City National Bank 3164 South 76th Street Milwaukee, WI 53219 Full Service B&M $88,266
    Tri City National Bank 3378 South 27th Street Milwaukee, WI 53215 Full Service B&M $28,566
    Tri City National Bank 3701 South 27th Street Milwaukee, WI 53221 Full Service Retail $16,654
    Tri City National Bank 3900 Erie Street Racine, WI 53402 Full Service Retail $13,366
    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 $18,709
    Tri City National Bank 4295 West Bradley Road Brown Deer, WI 53223 Full Service B&M $82,014
    Tri City National Bank 4708 Northwestern Avenue Racine, WI 53406 Full Service B&M $49,128
    Tri City National Bank 4968 South Whitnall Avenue Saint Francis, WI 53235 Full Service Retail $24,518
    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 $235,951
    Tri City National Bank 5901 Washington Road Kenosha, WI 53140 Full Service B&M $22,586
    Tri City National Bank 6312 South 27th Street Oak Creek, WI 53154 Full Service Retail $30,397
    Tri City National Bank 6400 South 27th Street Oak Creek, WI 53154 Full Service B&M $265,728
    Tri City National Bank 6760 West National Avenue West Allis, WI 53214 Full Service Retail $29,751
    Tri City National Bank 6767 West Greenfield Avenue West Allis, WI 53214 Full Service B&M $64,335
    Tri City National Bank 8710 Durand Avenue Sturtevant, WI 53177 Full Service B&M $34,723
    Tri City National Bank 8770 South Howell Avenue Oak Creek, WI 53154 Full Service Retail $37,660
    Tri City National Bank 9200 North Greenbay Brown Deer, WI 53209 Full Service Retail $12,333
    Tri City National Bank N96 W18211 County Line Menomonee Falls, WI 53051 Full Service B&M $63,667

    For 2021, Tri City National Bank had 34 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $53,691
    Net interest income $52,747
    Total noninterest income $17,317
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,160
    Trading account gains and fees $0
    Additional Noninterest Income $13,157
    Pre-tax net operating income $18,396
    Securities gains (or losses, -) $-22
    Income before extraordinary items $15,456
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,456
    Minority interest net income $0
    Net income $15,456
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,474

    Tri City National Bank's gross interest income from loans was $53,691,000.
    Tri City National Bank's net interest income from loans was $52,747,000.
    Tri City National Bank's fee based income from loans was $4,160,000.
    Tri City National Bank's net income from loans was $15,456,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $944
    Provision for credit losses $0
    Total noninterest expense $51,668
    Salaries and employee benefits $29,457
    Premises and equipment expense $7,153
    Additional noninterest expense $15,058
    Applicable income taxes $2,918
    Net charge-offs $-466
    Cash dividends $3,504

    Tri City National Bank's interest expense for loans was $944,000.
    Tri City National Bank's payroll and benefits expense were $29,457,000.
    Tri City National Bank's property, plant and equipment expenses $7,153,000.

    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 0.0%
    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 $1,848,050
    Deposits held in domestic offices $1,848,050
    Deposits by Individuals, partnerships, and corporations $1,718,364
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $129,686
    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 $1,153,857
    Demand deposits $495,718
    Nontransaction accounts $694,193
    Money market deposit accounts (MMDAs) $297,059
    Other savings deposits (excluding MMDAs) $341,010
    Total time deposits $56,124
    Total time and savings deposits $1,352,332
    Noninterest-bearing deposits $495,718
    Interest-bearing deposits $1,352,332
    Retail deposits $1,840,484
    IRAs and Keogh plan accounts $23,284
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,057,266
    Cash & Balances due from depository institutions $137,444
    Interest-bearing balances $112,227
    Total securities $820,177
    Federal funds sold & reverse repurchase $892
    Net loans and leases $1,001,824
    Loan and leases loss allowance $13,573
    Trading account assets $0
    Bank premises and fixed assets $17,208
    Other real estate owned $0
    Goodwill and other intangibles $2,247
    All other assets $77,474

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,057,266
    Total Liabilities $1,866,544
    Total deposits $1,848,050
    Interest-bearing deposits $1,352,332
    Deposits held in domestic offices $1,848,050
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $18,494

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,001,824
    Loan and leases loss allowance $13,573
    Total loans and leases (domestic) $1,015,397
    All real estate loans $972,660
    Real estate loans in domestic offices $972,660
    Construction and development loans $48,259
    Residential 1-4 family construction $24,920
    Other construction, all land development and other land $23,339
    Loans secured by nonfarm nonresidential properties $599,001
    Nonfarm nonresidential secured by owner-occupied properties $128,087
    Commercial real estate & other non-farm, non-residential $470,914
    Multifamily residential real estate $162,035
    1-4 family residential loans $162,800
    Farmland loans $565
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $39,188
    To non-U.S. addressees $0
    Loans to individuals $3,087
    Credit card loans $0
    Related Plans $157
    Consumer Auto Loans $769
    Other loans to individuals $2,161
    All other loans & leases $462
    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 $63,830
    Restructured Loans & leases $7,442
    Non 1-4 family restructured loans & leases $2,245
    Total loans and leases (foreign) $0

    Tri City National Bank had $1,001,824,000 of loans outstanding in 2021. $972,660,000 of loans were in real estate loans. $48,259,000 of loans were in development loans. $162,035,000 of loans were in multifamily mortgage loans. $162,800,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $769,000 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 659 $134,771 $204,508
    Nonfarm, nonresidential loans - <$100k 113 $7,128 $63,080
    Nonfarm, nonresidential loans - $100-250k 228 $24,978 $109,553
    Nonfarm, nonresidential loans - $250k-1MM 318 $102,665 $322,846
    Commercial & Industrial, US addressed loans - <$1MM 323 $21,429 $66,344
    Commercial & Industrial, US addressed loans - <$100k 226 $4,739 $20,969
    Commercial & Industrial, US addressed loans - $100-250k 65 $8,476 $130,400
    Commercial & Industrial, US addressed loans - $250k-1MM 32 $8,214 $256,688
    Farmland loans - <$1MM 3 $455 $151,667
    Farmland loans - <$100k 1 $36 $36,000
    Farmland loans - $100-250k 1 $194 $194,000
    Farmland loans - $250k-1MM 1 $225 $225,000