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. They have a below average pick rate when compared to similar lenders.
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Originations
18Origination Dollar Volume (All Markets)
$2,220,000Employee count
51Top 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) | 14 | $1,760,000 | $125,714 | $0 | 0.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 18 | $2,220,000 | $123,333 | $0 | 0.00% |
For 2021, St Landry Bank & Trust Company's most frequently originated type of loan was Conventional, with 18 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 17 | $2,195,000 | $129,118 | $0 | 0.00% |
| Home Improvement | 1 | $25,000 | $25,000 | $0 | 0.00% |
For 2021, St Landry Bank & Trust Company's most frequently cited loan purpose was Refi, with 17 originations. The 2nd most popular reason was Home Improvement, with 1 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 18 | $2,220,000 | $123,333 | $0 | 0.00% |
For 2021, St Landry Bank & Trust Company's most frequently cited loan duration was Other, with 18 originations.
Loan Sizing
2021 saw St Landry Bank & Trust Company place emphasis on $100,000 or less loans with 12 originations, totaling $700,000 in origination value.
Applicant Income
St Landry Bank & Trust Company lent most frequently to those with incomes in the $50k-75k range, with 5 originations. The second most popular income band? $50k or less, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 18 | $2,220,000 | $123,333 | $0 | 0.00% |
St Landry Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 18 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 origination88.89%
St Landry Bank & Trust Company has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 18 | $2,220,000 | $123,333 |
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 | $65,175 |
| St. Landry Bank and Trust Company | 132 East Landry Street Opelousas, LA 70570 | Full Service B&M | $227,964 |
| St. Landry Bank and Trust Company | 1407 South Union Street Opelousas, LA 70570 | Full Service B&M | $3,919 |
| St. Landry Bank and Trust Company | 235 Saizan Street Port Barre, LA 70577 | Full Service B&M | $6,644 |
| St. Landry Bank and Trust Company | 3710 Ambassador Caffery Pkwy. Lafayette, LA 70503 | Full Service B&M | $11,203 |
| St. Landry Bank and Trust Company | 4302 North University Avenue Carencro, LA 70520 | Full Service B&M | $3,286 |
| St. Landry Bank and Trust Company | 5636 Cameron Scott, LA 70583 | Full Service B&M | $3,089 |
For 2021, St Landry Bank & Trust Company had 7 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $4,496 |
| Net interest income | $4,109 |
| Total noninterest income | $832 |
| Gross Fiduciary activities income | $1 |
| Service charges on deposit accounts | $558 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $273 |
| Pre-tax net operating income | $-275 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $-275 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $-275 |
| Minority interest net income | $0 |
| Net income | $-275 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $-275 |
St Landry Bank & Trust Company's gross interest income from loans was $4,496,000.
St Landry Bank & Trust Company's net interest income from loans was $4,109,000.
St Landry Bank & Trust Company's fee based income from loans was $558,000.
St Landry Bank & Trust Company's net income from loans was $-275,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $387 |
| Provision for credit losses | $0 |
| Total noninterest expense | $5,216 |
| Salaries and employee benefits | $2,730 |
| Premises and equipment expense | $684 |
| Additional noninterest expense | $1,802 |
| Applicable income taxes | $0 |
| Net charge-offs | $-283 |
| Cash dividends | $0 |
St Landry Bank & Trust Company's interest expense for loans was $387,000.
St Landry Bank & Trust Company's payroll and benefits expense were $2,730,000.
St Landry Bank & Trust Company's property, plant and equipment expenses $684,000.
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 | 1.0% |
| 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 | 3.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $307,285 |
| Deposits held in domestic offices | $307,285 |
| Deposits by Individuals, partnerships, and corporations | $261,467 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $45,818 |
| 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 | $29,041 |
| Demand deposits | $19,648 |
| Nontransaction accounts | $278,244 |
| Money market deposit accounts (MMDAs) | $43,546 |
| Other savings deposits (excluding MMDAs) | $208,208 |
| Total time deposits | $26,490 |
| Total time and savings deposits | $287,637 |
| Noninterest-bearing deposits | $108,484 |
| Interest-bearing deposits | $198,802 |
| Retail deposits | $295,591 |
| IRAs and Keogh plan accounts | $7,318 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $332,881 |
| Cash & Balances due from depository institutions | $32,991 |
| Interest-bearing balances | $28,378 |
| Total securities | $244,666 |
| Federal funds sold & reverse repurchase | $500 |
| Net loans and leases | $50,499 |
| Loan and leases loss allowance | $4,557 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,865 |
| Other real estate owned | $135 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,225 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $332,881 |
| Total Liabilities | $307,504 |
| Total deposits | $307,285 |
| Interest-bearing deposits | $198,802 |
| Deposits held in domestic offices | $307,285 |
| % insured (estimated) | $73 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $219 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $50,499 |
| Loan and leases loss allowance | $4,557 |
| Total loans and leases (domestic) | $55,056 |
| All real estate loans | $41,034 |
| Real estate loans in domestic offices | $41,034 |
| Construction and development loans | $5,041 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $5,041 |
| Loans secured by nonfarm nonresidential properties | $27,817 |
| Nonfarm nonresidential secured by owner-occupied properties | $3,113 |
| Commercial real estate & other non-farm, non-residential | $24,704 |
| Multifamily residential real estate | $884 |
| 1-4 family residential loans | $7,221 |
| Farmland loans | $71 |
| Loans held in foreign offices | $0 |
| Farm loans | $21 |
| Commercial and industrial loans | $12,651 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $1,311 |
| Credit card loans | $0 |
| Related Plans | $8 |
| Consumer Auto Loans | $82 |
| Other loans to individuals | $1,221 |
| All other loans & leases | $58 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $58 |
| 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 | $5,066 |
| Non 1-4 family restructured loans & leases | $4,741 |
| Total loans and leases (foreign) | $0 |
St Landry Bank & Trust Company had $50,499,000 of loans outstanding in 2021. $41,034,000 of loans were in real estate loans. $5,041,000 of loans were in development loans. $884,000 of loans were in multifamily mortgage loans. $7,221,000 of loans were in 1-4 family mortgage loans. $21,000 of loans were in farm loans. $0 of loans were in credit card loans. $82,000 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 | 75 | $8,887 | $118,493 |
| Nonfarm, nonresidential loans - <$100k | 46 | $1,689 | $36,717 |
| Nonfarm, nonresidential loans - $100-250k | 15 | $1,948 | $129,867 |
| Nonfarm, nonresidential loans - $250k-1MM | 14 | $5,250 | $375,000 |
| Commercial & Industrial, US addressed loans - <$1MM | 69 | $5,556 | $80,522 |
| Commercial & Industrial, US addressed loans - <$100k | 46 | $1,733 | $37,674 |
| Commercial & Industrial, US addressed loans - $100-250k | 18 | $1,862 | $103,444 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 5 | $1,961 | $392,200 |
| Farmland loans - <$1MM | 2 | $71 | $35,500 |
| Farmland loans - <$100k | 2 | $71 | $35,500 |
| Agriculture operations loans - <$1MM | 2 | $21 | $10,500 |
| Agriculture operations loans - <$100k | 2 | $21 | $10,500 |