St Landry Bank & Trust Company Mortgage Rates, Fees & Info
Opelousas, LALEI: 549300PI7Z6DG3QE2087
Tax ID: 72-0307730
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Mortgage Data
Bank Data
Review & Overview
St Landry Bank & Trust Company is a smaller bank specializing in Refi loans. St Landry Bank & Trust Company has a high proportion of conventional loans. Their top two markets are Opelousas and Lafayette .St Landry Bank & Trust Company has an above average approval rate when compared to the average across all lenders.
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Originations
27Origination Dollar Volume (All Markets)
$2,925,000Employee count
48Top 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) | 21 | $1,865,000 | $88,810 | $0 | 0.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 27 | $2,925,000 | $108,333 | $0 | 0.00% |
For 2020, St Landry Bank & Trust Company's most frequently originated type of loan was Conventional, with 27 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 22 | $2,670,000 | $121,364 | $0 | 0.00% |
| Home Purchase | 3 | $185,000 | $61,667 | $0 | 0.00% |
| Home Improvement | 2 | $70,000 | $35,000 | $0 | 0.00% |
For 2020, St Landry Bank & Trust Company's most frequently cited loan purpose was Refi, with 22 originations. The 2nd most popular reason was Home Purchase, with 3 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 27 | $2,925,000 | $108,333 | $0 | 0.00% |
For 2020, St Landry Bank & Trust Company's most frequently cited loan duration was Other, with 27 originations.
Loan Sizing
2020 saw St Landry Bank & Trust Company place emphasis on $100,000 or less loans with 16 originations, totaling $590,000 in origination value.
Applicant Income
St Landry Bank & Trust Company lent most frequently to those with incomes in the $50k or less range, with 8 originations. The second most popular income band? $100k-150k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 27 | $2,925,000 | $108,333 | $0 | 0.00% |
St Landry Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 27 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
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 originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 27 | $2,925,000 | $108,333 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 4 | $190,000 | $47,500 |
| Single Family (1-4 Units):Site-Built | 23 | $2,735,000 | $118,913 |
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 | $53,688 |
| 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 | $235,162 |
| St. Landry Bank and Trust Company | 1407 South Union Street Opelousas, LA 70570 | Full Service B&M | $4,254 |
| St. Landry Bank and Trust Company | 1411 West Landry Street Opelousas, LA 70570 | Limited, Drive-thru | $23 |
| St. Landry Bank and Trust Company | 235 Saizan Street Port Barre, LA 70577 | Full Service B&M | $5,090 |
| St. Landry Bank and Trust Company | 3710 Ambassador Caffery Pkwy. Lafayette, LA 70503 | Full Service B&M | $9,134 |
| St. Landry Bank and Trust Company | 4302 North University Avenue Carencro, LA 70520 | Full Service B&M | $2,778 |
| St. Landry Bank and Trust Company | 5636 Cameron Scott, LA 70583 | Full Service B&M | $2,916 |
For 2020, St Landry Bank & Trust Company had 9 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $6,638 |
| Net interest income | $5,843 |
| Total noninterest income | $937 |
| Gross Fiduciary activities income | $1 |
| Service charges on deposit accounts | $580 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $356 |
| Pre-tax net operating income | $746 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $746 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $746 |
| Minority interest net income | $0 |
| Net income | $746 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $746 |
St Landry Bank & Trust Company's gross interest income from loans was $6,638,000.
St Landry Bank & Trust Company's net interest income from loans was $5,843,000.
St Landry Bank & Trust Company's fee based income from loans was $580,000.
St Landry Bank & Trust Company's net income from loans was $746,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $795 |
| Provision for credit losses | $975 |
| Total noninterest expense | $5,059 |
| Salaries and employee benefits | $2,711 |
| Premises and equipment expense | $703 |
| Additional noninterest expense | $1,645 |
| Applicable income taxes | $0 |
| Net charge-offs | $2,593 |
| Cash dividends | $0 |
St Landry Bank & Trust Company's interest expense for loans was $795,000.
St Landry Bank & Trust Company's payroll and benefits expense were $2,711,000.
St Landry Bank & Trust Company's property, plant and equipment expenses $703,000.
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 | 2.0% |
| HELOC loans | 0.0% |
| All other family | 2.0% |
| 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 | $309,914 |
| Deposits held in domestic offices | $309,914 |
| Deposits by Individuals, partnerships, and corporations | $241,718 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $68,196 |
| 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 | $28,442 |
| Demand deposits | $18,949 |
| Nontransaction accounts | $281,472 |
| Money market deposit accounts (MMDAs) | $56,828 |
| Other savings deposits (excluding MMDAs) | $193,095 |
| Total time deposits | $31,549 |
| Total time and savings deposits | $290,965 |
| Noninterest-bearing deposits | $99,703 |
| Interest-bearing deposits | $210,211 |
| Retail deposits | $294,668 |
| IRAs and Keogh plan accounts | $7,674 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $338,888 |
| Cash & Balances due from depository institutions | $124,867 |
| Interest-bearing balances | $119,245 |
| Total securities | $151,579 |
| Federal funds sold & reverse repurchase | $500 |
| Net loans and leases | $57,174 |
| Loan and leases loss allowance | $4,274 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,018 |
| Other real estate owned | $493 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,257 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $338,888 |
| Total Liabilities | $310,207 |
| Total deposits | $309,914 |
| Interest-bearing deposits | $210,211 |
| Deposits held in domestic offices | $309,914 |
| % insured (estimated) | $69 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $293 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $57,174 |
| Loan and leases loss allowance | $4,274 |
| Total loans and leases (domestic) | $61,448 |
| All real estate loans | $46,758 |
| Real estate loans in domestic offices | $46,758 |
| Construction and development loans | $3,208 |
| Residential 1-4 family construction | $421 |
| Other construction, all land development and other land | $2,787 |
| Loans secured by nonfarm nonresidential properties | $32,422 |
| Nonfarm nonresidential secured by owner-occupied properties | $3,881 |
| Commercial real estate & other non-farm, non-residential | $28,541 |
| Multifamily residential real estate | $1,194 |
| 1-4 family residential loans | $9,851 |
| Farmland loans | $83 |
| Loans held in foreign offices | $0 |
| Farm loans | $127 |
| Commercial and industrial loans | $12,357 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $1,450 |
| Credit card loans | $0 |
| Related Plans | $69 |
| Consumer Auto Loans | $96 |
| Other loans to individuals | $1,285 |
| All other loans & leases | $781 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $781 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $161 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $5,043 |
| Non 1-4 family restructured loans & leases | $4,703 |
| Total loans and leases (foreign) | $0 |
St Landry Bank & Trust Company had $57,174,000 of loans outstanding in 2020. $46,758,000 of loans were in real estate loans. $3,208,000 of loans were in development loans. $1,194,000 of loans were in multifamily mortgage loans. $9,851,000 of loans were in 1-4 family mortgage loans. $127,000 of loans were in farm loans. $0 of loans were in credit card loans. $96,000 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 | 85 | $12,268 | $144,329 |
| Nonfarm, nonresidential loans - <$100k | 46 | $1,744 | $37,913 |
| Nonfarm, nonresidential loans - $100-250k | 19 | $2,696 | $141,895 |
| Nonfarm, nonresidential loans - $250k-1MM | 20 | $7,828 | $391,400 |
| Commercial & Industrial, US addressed loans - <$1MM | 72 | $4,402 | $61,139 |
| Commercial & Industrial, US addressed loans - <$100k | 54 | $1,761 | $32,611 |
| Commercial & Industrial, US addressed loans - $100-250k | 12 | $1,075 | $89,583 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 6 | $1,566 | $261,000 |
| Farmland loans - <$1MM | 2 | $83 | $41,500 |
| Farmland loans - <$100k | 2 | $83 | $41,500 |
| Agriculture operations loans - <$1MM | 5 | $127 | $25,400 |
| Agriculture operations loans - <$100k | 4 | $78 | $19,500 |
| Agriculture operations loans - $100-250k | 1 | $49 | $49,000 |