St Landry Bank & Trust Company Mortgage Rates, Fees & Info

Opelousas, LA

LEI: 549300PI7Z6DG3QE2087

Tax ID: 72-0307730

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

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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

    St Landry Bank & Trust Company is a smaller bank specializing in Home Purchase and Refi loans. St Landry Bank & Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Opelousas, Lafayette, Jennings, and Baton Rouge among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    St Landry Bank & Trust Company has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

    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.


    Originations

    36

    Origination Dollar Volume (All Markets)

    $3,820,000

    Employee count

    52

    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
    Opelousas, LA (FHA|USDA|VA) 28 $2,360,000 $84,286 $0 0.00%
    LAFAYETTE, LA (FHA|USDA|VA) 6 $1,270,000 $211,667 $0 0.00%
    Jennings, LA (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    St Landry Bank & Trust Company's top markets include Opelousas, Lafayette, Jennings, and Baton Rouge among others.

    Their top states include:
  • Louisiana (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 36 $3,820,000 $106,111 $0 0.00%

    For 2018, St Landry Bank & Trust Company's most frequently originated type of loan was Conventional, with 36 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 17 $2,325,000 $136,765 $0 0.00%
    Refi 9 $875,000 $97,222 $0 0.00%
    Home Improvement 5 $315,000 $63,000 $0 0.00%
    Other 5 $305,000 $61,000 $0 0.00%

    For 2018, St Landry Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 17 originations. The 2nd most popular reason was Refi, with 9 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 36 $3,820,000 $106,111 $0 0.00%

    For 2018, St Landry Bank & Trust Company's most frequently cited loan duration was Other, with 36 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 27 $1,185,000 $43,889 $0 0.00%
    $100k-200k 4 $500,000 $125,000 $0 0.00%
    $200k-400k 3 $855,000 $285,000 $0 0.00%
    $400k-600k 1 $595,000 $595,000 $0 0.00%
    $600k-1MM 1 $685,000 $685,000 $0 0.00%

    2018 saw St Landry Bank & Trust Company place emphasis on $100,000 or less loans with 27 originations, totaling $1,185,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 11 $455,000 $41,364 $0 0.00%
    $50k-75k 8 $540,000 $67,500 $0 0.00%
    $75k-100k 7 $615,000 $87,857 $0 0.00%
    $100k-150k 2 $360,000 $180,000 $0 0.00%
    $250k+ 1 $685,000 $685,000 $0 0.00%

    St Landry Bank & Trust Company lent most frequently to those with incomes in the $50k or less range, with 11 originations. The second most popular income band? $50k-75k, with 8 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 36 $3,820,000 $106,111 $0 0.00%

    St Landry Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 36 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 15 $1,635,000 $109,000 $0 0.00%
    Not applicable 6 $1,140,000 $190,000 $0 0.00%
    Black 15 $1,045,000 $69,667 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.44%

    St Landry Bank & Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    94.44%

    St Landry Bank & Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 36 $3,820,000 $106,111

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $880,000 $440,000
    Single Family (1-4 Units):Manufactured 8 $250,000 $31,250
    Single Family (1-4 Units):Site-Built 26 $2,690,000 $103,462

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    1ST ALLIANCE LENDING, LLC FHA mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    St. Landry Bank and Trust Company 101 North Second Street Eunice, LA 70535 Full Service B&M $50,982
    St. Landry Bank and Trust Company 1137 North Main Street Opelousas, LA 70570 Limited, Drive-thru $0
    St. Landry Bank and Trust Company 132 East Landry Street Opelousas, LA 70570 Full Service B&M $185,750
    St. Landry Bank and Trust Company 1407 South Union Street Opelousas, LA 70570 Full Service B&M $3,925
    St. Landry Bank and Trust Company 1411 West Landry Street Opelousas, LA 70570 Limited, Drive-thru $12
    St. Landry Bank and Trust Company 235 Saizan Street Port Barre, LA 70577 Full Service B&M $4,415
    St. Landry Bank and Trust Company 3710 Ambassador Caffery Pkwy. Lafayette, LA 70503 Full Service B&M $11,078
    St. Landry Bank and Trust Company 4302 North University Avenue Carencro, LA 70520 Full Service B&M $2,912
    St. Landry Bank and Trust Company 5636 Cameron Scott, LA 70583 Full Service B&M $3,120

    For 2018, St Landry Bank & Trust Company had 9 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $7,180
    Net interest income $6,701
    Total noninterest income $1,268
    Gross Fiduciary activities income $1
    Service charges on deposit accounts $762
    Trading account gains and fees $0
    Additional Noninterest Income $505
    Pre-tax net operating income $2,799
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,799
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,799
    Minority interest net income $0
    Net income $2,799
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,799

    St Landry Bank & Trust Company's gross interest income from loans was $7,180,000.
    St Landry Bank & Trust Company's net interest income from loans was $6,701,000.
    St Landry Bank & Trust Company's fee based income from loans was $762,000.
    St Landry Bank & Trust Company's net income from loans was $2,799,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $479
    Provision for credit losses $25
    Total noninterest expense $5,145
    Salaries and employee benefits $2,789
    Premises and equipment expense $825
    Additional noninterest expense $1,531
    Applicable income taxes $0
    Net charge-offs $8
    Cash dividends $2,555

    St Landry Bank & Trust Company's interest expense for loans was $479,000.
    St Landry Bank & Trust Company's payroll and benefits expense were $2,789,000.
    St Landry Bank & Trust Company's property, plant and equipment expenses $825,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 4.0%
    HELOC loans 0.0%
    All other family 4.0%
    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 $248,040
    Deposits held in domestic offices $248,040
    Deposits by Individuals, partnerships, and corporations $215,580
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $32,460
    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 $23,424
    Demand deposits $16,815
    Nontransaction accounts $224,616
    Money market deposit accounts (MMDAs) $33,967
    Other savings deposits (excluding MMDAs) $159,789
    Total time deposits $30,860
    Total time and savings deposits $231,225
    Noninterest-bearing deposits $88,179
    Interest-bearing deposits $159,861
    Retail deposits $234,578
    IRAs and Keogh plan accounts $7,916
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $279,198
    Cash & Balances due from depository institutions $18,908
    Interest-bearing balances $13,371
    Total securities $166,094
    Federal funds sold & reverse repurchase $500
    Net loans and leases $89,056
    Loan and leases loss allowance $1,111
    Trading account assets $0
    Bank premises and fixed assets $2,169
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $2,471

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $279,198
    Total Liabilities $248,420
    Total deposits $248,040
    Interest-bearing deposits $159,861
    Deposits held in domestic offices $248,040
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $380

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $89,056
    Loan and leases loss allowance $1,111
    Total loans and leases (domestic) $90,167
    All real estate loans $68,019
    Real estate loans in domestic offices $68,019
    Construction and development loans $1,937
    Residential 1-4 family construction $262
    Other construction, all land development and other land $1,675
    Loans secured by nonfarm nonresidential properties $52,921
    Nonfarm nonresidential secured by owner-occupied properties $8,530
    Commercial real estate & other non-farm, non-residential $44,391
    Multifamily residential real estate $1,174
    1-4 family residential loans $11,818
    Farmland loans $169
    Loans held in foreign offices $0
    Farm loans $702
    Commercial and industrial loans $5,612
    To non-U.S. addressees $0
    Loans to individuals $2,471
    Credit card loans $0
    Related Plans $89
    Consumer Auto Loans $131
    Other loans to individuals $2,251
    All other loans & leases $13,414
    Loans to foreign governments and official institutions $0
    Other loans $13,137
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $487
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    St Landry Bank & Trust Company had $89,056,000 of loans outstanding in 2018. $68,019,000 of loans were in real estate loans. $1,937,000 of loans were in development loans. $1,174,000 of loans were in multifamily mortgage loans. $11,818,000 of loans were in 1-4 family mortgage loans. $702,000 of loans were in farm loans. $0 of loans were in credit card loans. $131,000 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 121 $15,496 $128,066
    Nonfarm, nonresidential loans - <$100k 62 $2,049 $33,048
    Nonfarm, nonresidential loans - $100-250k 28 $3,690 $131,786
    Nonfarm, nonresidential loans - $250k-1MM 31 $9,757 $314,742
    Commercial & Industrial, US addressed loans - <$1MM 103 $5,611 $54,476
    Commercial & Industrial, US addressed loans - <$100k 90 $3,861 $42,900
    Commercial & Industrial, US addressed loans - $100-250k 10 $1,150 $115,000
    Commercial & Industrial, US addressed loans - $250k-1MM 3 $600 $200,000
    Farmland loans - <$1MM 4 $169 $42,250
    Farmland loans - <$100k 3 $134 $44,667
    Farmland loans - $100-250k 1 $35 $35,000
    Agriculture operations loans - <$1MM 8 $250 $31,250
    Agriculture operations loans - <$100k 7 $135 $19,286
    Agriculture operations loans - $100-250k 1 $115 $115,000