Peoples Security Bank And Trust Company Mortgage Rates, Fees & Info

Hallstead, PA

LEI: 549300PJX0ZHPQ614C72

Tax ID: 24-0603570

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

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  • SimulatedRates™
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    • 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

    Peoples Security Bank And Trust Company is a smaller bank specializing in Refi and Home Purchase loans. Peoples Security Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Allentown, Scranton, Philadelphia, York, and New York among others. We have data for 17 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Peoples Security Bank And Trust Company 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. Peoples Security Bank And Trust Company 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/22/24
    30 Year Conventional Purchase 6.47% 11/22/24
    30 Year Conventional Refi 6.37% 11/22/24
    30 Year Cash-out Refi 6.56% 11/22/24
    15 Year Conventional Purchase 6.03% 11/22/24
    15 Year Conventional Refi 5.93% 11/22/24
    15 Year Cash-out Refi 5.93% 11/22/24
    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.

    Peoples Security Bank And Trust Company Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Peoples Security Bank And Trust Company. 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

    795

    Origination Dollar Volume (All Markets)

    $210,505,000

    Employee count

    368

    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
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 137 $75,805,000 $553,321 $3,675 2.79%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 395 $68,275,000 $172,848 $3,013 2.74%
    Outside of Metro Areas 147 $22,085,000 $150,238 $2,230 2.59%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 29 $17,485,000 $602,931 $4,481 3.22%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $8,295,000 $8,295,000 $0 4.00%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 7 $3,955,000 $565,000 $4,629 3.71%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 21 $3,605,000 $171,667 $3,532 2.61%
    BINGHAMTON, NY (FHA|USDA|VA) 25 $3,185,000 $127,400 $2,401 2.78%
    LEBANON, PA (FHA|USDA|VA) 12 $2,910,000 $242,500 $1,210 3.36%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $2,210,000 $552,500 $3,903 2.13%
    Sayre, PA (FHA|USDA|VA) 5 $1,095,000 $219,000 $4,545 2.78%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $505,000 $101,000 $0 3.35%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $475,000 $475,000 $4,837 2.88%
    READING, PA (FHA|USDA|VA) 3 $315,000 $105,000 $2,163 2.76%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,992 3.38%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $115,000 $115,000 $3,631 3.63%
    LANCASTER, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.75%
    Peoples Security Bank And Trust Company's top markets include Allentown, Scranton, Philadelphia, York, and New York among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

    • Similar Lenders

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

    The Honesdale National Bank
    Similarity Rank: 294
    Unity Bank
    Similarity Rank: 425
    MILLENIUM HOME MORTGAGE, LLC
    Similarity Rank: 481
    Alcova Mortgage LLC
    Similarity Rank: 544
    First Columbia Bank & Trust Co.
    Similarity Rank: 637
    The Luzerne Bank
    Similarity Rank: 768
    Penn Community Bank
    Similarity Rank: 884
    Jersey Shore State Bank
    Similarity Rank: 975
    First Commonwealth Federal Credit Union
    Similarity Rank: 975
    Mid Penn Bank
    Similarity Rank: 1400

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 547 $185,945,000 $339,936 $2,980 3.43%
    HELOC 248 $24,560,000 $99,032 n/a 1.25%

    For 2020, Peoples Security Bank And Trust Company's most frequently originated type of loan was Conventional, with 547 originations. Their 2nd most popular type was HELOC, with 248 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 247 $80,495,000 $325,891 $1,456 2.98%
    Home Purchase 206 $82,050,000 $398,301 $3,740 3.51%
    Cash Out Refi 173 $34,405,000 $198,873 $3,851 2.88%
    Home Improvement 102 $6,680,000 $65,490 $891 1.29%
    Other 67 $6,875,000 $102,612 $952 1.50%

    For 2020, Peoples Security Bank And Trust Company's most frequently cited loan purpose was Refi, with 247 originations. The 2nd most popular reason was Home Purchase, with 206 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 387 $57,405,000 $148,333 $4,412 1.95%
    15 Year 168 $26,400,000 $157,143 $2,127 3.36%
    20 Year 110 $22,170,000 $201,545 $2,161 3.52%
    10 Year 37 $48,875,000 $1,320,946 $1,269 3.34%
    5 Year 36 $23,890,000 $663,611 $420 4.21%
    Other 32 $24,750,000 $773,438 $2,985 3.60%
    30+ year 14 $5,070,000 $362,143 $4,659 3.13%
    1 Year 10 $1,580,000 $158,000 $0 4.45%
    3 Year 1 $365,000 $365,000 $0 4.00%

    For 2020, Peoples Security Bank And Trust Company's most frequently cited loan duration was 30 Year, with 387 originations. The 2nd most popular length was 15 Year, with 168 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 269 $45,635,000 $169,647
    $1k-2k 94 $19,920,000 $211,915
    $2k-3k 32 $8,750,000 $273,438
    $3k-4k 17 $3,965,000 $233,235
    $5k+ 6 $2,630,000 $438,333
    $4k-5k 3 $1,605,000 $535,000

    Peoples Security Bank And Trust Company's average total fees were $4,412, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 269 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 294 $106,690,000 $362,891
    <2.5% 237 $24,665,000 $104,072
    2.5-3% 158 $55,170,000 $349,177
    4-5% 86 $21,490,000 $249,884
    5-6% 20 $2,490,000 $124,500

    During 2020, Peoples Security Bank And Trust Company's average interest rate for loans was 1.95%, while their most frequently originated rate bucket for loans was 3-4%, with 294 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 313 $17,325,000 $55,351 $1,369 2.15%
    $100k-200k 237 $34,025,000 $143,565 $2,820 3.03%
    $200k-400k 176 $48,360,000 $274,773 $3,901 3.17%
    $400k-600k 37 $17,725,000 $479,054 $5,304 3.24%
    $1MM+ 16 $81,100,000 $5,068,750 $7,628 3.67%
    $600k-1MM 16 $11,970,000 $748,125 $6,460 3.84%

    2020 saw Peoples Security Bank And Trust Company place emphasis on $100,000 or less loans with 313 originations, totaling $17,325,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 151 $23,225,000 $153,808 $3,170 2.60%
    $50k-75k 132 $14,750,000 $111,742 $2,641 2.42%
    $150k-250k 105 $21,845,000 $208,048 $3,197 2.64%
    $50k or less 105 $7,765,000 $73,952 $2,001 2.39%
    $75k-100k 103 $13,365,000 $129,757 $2,976 2.50%
    $250k+ 70 $26,540,000 $379,143 $4,334 2.92%

    Peoples Security Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 151 originations. The second most popular income band? $50k-75k, with 132 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 232 $38,890,000 $167,629 $3,010 2.40%
    30-36% 135 $19,635,000 $145,444 $3,002 2.62%
    <20% 100 $17,450,000 $174,500 $2,845 2.49%
    41% 31 $3,915,000 $126,290 $3,025 2.23%
    42% 29 $4,315,000 $148,793 $4,405 1.41%
    40% 28 $3,950,000 $141,071 $3,011 2.71%
    39% 27 $4,305,000 $159,444 $2,963 2.58%
    37% 25 $3,215,000 $128,600 $3,381 2.63%
    36% 23 $2,575,000 $111,957 $2,956 2.32%
    38% 21 $3,375,000 $160,714 $2,427 2.74%
    44% 8 $1,460,000 $182,500 $2,124 3.28%
    43% 6 $920,000 $153,333 $1,867 3.35%
    45% 1 $215,000 $215,000 $6,182 3.00%
    46% 1 $145,000 $145,000 $3,152 2.63%
    47% 1 $245,000 $245,000 $4,515 3.50%
    48% 1 $185,000 $185,000 $2,520 2.88%
    50-60% 1 $225,000 $225,000 $5,161 3.50%

    Peoples Security Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 232 originations. The next most common DTI ratio? 30-36%, with 135 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 660 $105,640,000 $160,061 $2,962 2.58%
    Not applicable 94 $97,630,000 $1,038,617 $0 4.22%
    Not provided 26 $4,870,000 $187,308 $3,275 2.04%
    Asian 9 $1,325,000 $147,222 $4,015 2.32%
    Black 4 $440,000 $110,000 $2,701 3.56%
    Asian Indian 1 $415,000 $415,000 $0 0.75%
    Other Asian 1 $185,000 $185,000 $0 0.75%

    Approval Rates

    Total approvals of all applications
    85.90%

    Peoples Security Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.86%

    Peoples Security Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 795 $210,505,000 $264,786

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $2,205,000 $2,205,000
    Multifamily:Site-Built 33 $80,375,000 $2,435,606
    Single Family (1-4 Units):Manufactured 19 $1,545,000 $81,316
    Single Family (1-4 Units):Site-Built 742 $126,380,000 $170,323

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 123 $36,625,000 $297,764 $1,884 1.92%
    40-60% 128 $35,700,000 $278,906 $2,298 2.75%
    60-80% 353 $109,515,000 $310,241 $3,326 3.27%
    80-100% 82 $18,120,000 $220,976 $3,603 3.15%
    Over 100% 5 $1,855,000 $371,000 $0 4.35%
    Under 20% 102 $7,600,000 $74,510 $397 1.54%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Struggling to pay mortgage 1 5.6%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 5.6%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 2 11.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 11.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Closing on a mortgage 1 5.6%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 4 22.2%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 6 33.3%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION FHA mortgage Struggling to pay mortgage 1 5.6%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples Security Bank and Trust Company 25109 State Route 11 Hallstead, PA 18822 Full Service B&M $315,242
    Peoples Security Bank and Trust Company 1026 Conklin Road Conklin, NY 13748 Full Service B&M $29,725
    Peoples Security Bank and Trust Company 1100 Northern Boulevard Clarks Summit, PA 18411 Full Service B&M $93,264
    Peoples Security Bank and Trust Company 126 Main Street Hop Bottom, PA 18824 Full Service B&M $68,777
    Peoples Security Bank and Trust Company 139-145 North Main Street Moscow, PA 18444 Full Service B&M $76,996
    Peoples Security Bank and Trust Company 150 North Washington Avenue Scranton, PA 18503 Full Service B&M $175,529
    Peoples Security Bank and Trust Company 1901 Sanderson Avenue Scranton, PA 18509 Full Service B&M $87,586
    Peoples Security Bank and Trust Company 215 Erie Boulevard Susquehanna, PA 18847 Full Service B&M $77,641
    Peoples Security Bank and Trust Company 2151 Emrick Blvd. Bethlehem, PA 18020 Full Service B&M $76,089
    Peoples Security Bank and Trust Company 216 South Main Street Old Forge, PA 18518 Full Service B&M $112,846
    Peoples Security Bank and Trust Company 2355 City Line Road Bethlehem, PA 18017 Full Service B&M $78,973
    Peoples Security Bank and Trust Company 275 Main St Binghamton, NY 13905 Full Service B&M $45,737
    Peoples Security Bank and Trust Company 304 Main Street Duryea, PA 18642 Full Service B&M $27,332
    Peoples Security Bank and Trust Company 325 South Main Street Doylestown, PA 18901 Full Service B&M $8
    Peoples Security Bank and Trust Company 3920 Tilghman Street Allentown, PA 18104 Full Service B&M $39,608
    Peoples Security Bank and Trust Company 406 Pocono Boulevard Mount Pocono, PA 18344 Full Service B&M $68,403
    Peoples Security Bank and Trust Company 42-48 State Street Nicholson, PA 18446 Full Service B&M $58,046
    Peoples Security Bank and Trust Company 420 Davis Street Scranton, PA 18505 Full Service B&M $53,008
    Peoples Security Bank and Trust Company 435 Wyoming Avenue Kingston, PA 18704 Full Service B&M $25,160
    Peoples Security Bank and Trust Company 494 Gravel Pond Road Clarks Summit, PA 18411 Full Service B&M $72,303
    Peoples Security Bank and Trust Company 526 Cedar Avenue Scranton, PA 18505 Full Service B&M $53,322
    Peoples Security Bank and Trust Company 534 Main Street Gouldsboro, PA 18424 Full Service B&M $21,817
    Peoples Security Bank and Trust Company 540 Main Street Peckville, PA 18452 Full Service B&M $70,902
    Peoples Security Bank and Trust Company 610 Freedom Business Center Drive King Of Prussia, PA 19406 Full Service B&M $62,119
    Peoples Security Bank and Trust Company 83 East Tioga Street Tunkhannock, PA 18657 Full Service B&M $112,142
    Peoples Security Bank and Trust Company 830 Norman Drive Lebanon, PA 17042 Full Service B&M $6,941
    Peoples Security Bank and Trust Company 968 Prescott Avenue Scranton, PA 18510 Full Service B&M $53,455
    Peoples Security Bank and Trust Company 99 Grow Avenue Montrose, PA 18801 Full Service B&M $175,192
    Peoples Security Bank and Trust Company U.S. Route 6 Meshoppen, PA 18630 Full Service B&M $77,601

    For 2020, Peoples Security Bank And Trust Company had 29 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $94,521
    Net interest income $81,349
    Total noninterest income $16,491
    Gross Fiduciary activities income $2,125
    Service charges on deposit accounts $1,910
    Trading account gains and fees $0
    Additional Noninterest Income $12,456
    Pre-tax net operating income $34,489
    Securities gains (or losses, -) $918
    Income before extraordinary items $30,332
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $30,332
    Minority interest net income $0
    Net income $30,332
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $29,542

    Peoples Security Bank And Trust Company's gross interest income from loans was $94,521,000.
    Peoples Security Bank And Trust Company's net interest income from loans was $81,349,000.
    Peoples Security Bank And Trust Company's fee based income from loans was $1,910,000.
    Peoples Security Bank And Trust Company's net income from loans was $30,332,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,172
    Provision for credit losses $7,400
    Total noninterest expense $55,951
    Salaries and employee benefits $31,197
    Premises and equipment expense $10,638
    Additional noninterest expense $14,116
    Applicable income taxes $5,075
    Net charge-offs $2,733
    Cash dividends $10,518

    Peoples Security Bank And Trust Company's interest expense for loans was $13,172,000.
    Peoples Security Bank And Trust Company's payroll and benefits expense were $31,197,000.
    Peoples Security Bank And Trust Company's property, plant and equipment expenses $10,638,000.

    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 0.0%
    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 $2,438,182
    Deposits held in domestic offices $2,438,182
    Deposits by Individuals, partnerships, and corporations $2,046,519
    Deposits by U.S. Government $5
    Deposits by States and political subdivisions in the U.S. $387,975
    Deposits by Commercial banks and other depository institutions in U.S. $3,683
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $184,367
    Demand deposits $83,031
    Nontransaction accounts $2,253,815
    Money market deposit accounts (MMDAs) $496,634
    Other savings deposits (excluding MMDAs) $1,437,486
    Total time deposits $319,695
    Total time and savings deposits $2,355,151
    Noninterest-bearing deposits $626,027
    Interest-bearing deposits $1,812,155
    Retail deposits $2,316,430
    IRAs and Keogh plan accounts $46,831
    Brokered deposits $25,000
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,883,391
    Cash & Balances due from depository institutions $45,192
    Interest-bearing balances $16,511
    Total securities $303,136
    Federal funds sold & reverse repurchase $183,000
    Net loans and leases $2,151,475
    Loan and leases loss allowance $27,344
    Trading account assets $13,693
    Bank premises and fixed assets $47,045
    Other real estate owned $864
    Goodwill and other intangibles $65,168
    All other assets $73,818

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,883,391
    Total Liabilities $2,534,807
    Total deposits $2,438,182
    Interest-bearing deposits $1,812,155
    Deposits held in domestic offices $2,438,182
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $13,614
    Other borrowed funds $64,769
    Subordinated debt $0
    All other liabilities $18,242

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,151,475
    Loan and leases loss allowance $27,344
    Total loans and leases (domestic) $2,178,819
    All real estate loans $1,525,314
    Real estate loans in domestic offices $1,525,314
    Construction and development loans $211,028
    Residential 1-4 family construction $32,972
    Other construction, all land development and other land $178,056
    Loans secured by nonfarm nonresidential properties $751,869
    Nonfarm nonresidential secured by owner-occupied properties $276,342
    Commercial real estate & other non-farm, non-residential $475,527
    Multifamily residential real estate $151,037
    1-4 family residential loans $396,386
    Farmland loans $14,994
    Loans held in foreign offices $0
    Farm loans $27
    Commercial and industrial loans $475,283
    To non-U.S. addressees $0
    Loans to individuals $83,542
    Credit card loans $0
    Related Plans $2,844
    Consumer Auto Loans $75,036
    Other loans to individuals $5,662
    All other loans & leases $94,653
    Loans to foreign governments and official institutions $0
    Other loans $36,073
    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 $247
    Restructured Loans & leases $1,559
    Non 1-4 family restructured loans & leases $1,107
    Total loans and leases (foreign) $0

    Peoples Security Bank and Trust Company had $2,151,475,000 of loans outstanding in 2020. $1,525,314,000 of loans were in real estate loans. $211,028,000 of loans were in development loans. $151,037,000 of loans were in multifamily mortgage loans. $396,386,000 of loans were in 1-4 family mortgage loans. $27,000 of loans were in farm loans. $0 of loans were in credit card loans. $75,036,000 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 768 $157,364 $204,901
    Nonfarm, nonresidential loans - <$100k 195 $5,722 $29,344
    Nonfarm, nonresidential loans - $100-250k 244 $25,617 $104,988
    Nonfarm, nonresidential loans - $250k-1MM 329 $126,025 $383,055
    Commercial & Industrial, US addressed loans - <$1MM 2,035 $161,866 $79,541
    Commercial & Industrial, US addressed loans - <$100k 1,354 $32,083 $23,695
    Commercial & Industrial, US addressed loans - $100-250k 381 $40,443 $106,150
    Commercial & Industrial, US addressed loans - $250k-1MM 300 $89,340 $297,800
    Farmland loans - <$1MM 23 $3,096 $134,609
    Farmland loans - <$100k 8 $286 $35,750
    Farmland loans - $100-250k 8 $826 $103,250
    Farmland loans - $250k-1MM 7 $1,984 $283,429
    Agriculture operations loans - <$1MM 4 $27 $6,750
    Agriculture operations loans - <$100k 4 $27 $6,750