Eagle Bank And Trust Company Mortgage Rates, Fees & Info
Little Rock, ARLEI: 549300QFP6J5QSZVF805
Tax ID: 71-0005235
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Review & Overview
Eagle Bank And Trust Company is a smaller bank specializing in Home Purchase loans. Eagle Bank And Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Little Rock, Idaho Falls, Memphis, Fayetteville, and Monroe among others. We have data for 55 markets. (Some data included below & more in-depth data is available with an active subscription.)Eagle Bank And 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. Eagle 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.60% | 4/22/24 |
| 30 Year Conventional Refi | 6.58% | 4/22/24 |
| 30 Year Cash-out Refi | 6.70% | 4/22/24 |
| 30 Year FHA Purchase | 7.39% | 4/22/24 |
| 30 Year FHA Refi | 7.36% | 4/22/24 |
| 30 Year VA Purchase | 6.28% | 4/22/24 |
| 30 Year VA Refi | 6.39% | 4/22/24 |
| 30 Year USDA Purchase | 6.71% | 4/22/24 |
| 30 Year USDA Refi | 6.62% | 4/22/24 |
| 15 Year Conventional Purchase | 6.25% | 4/22/24 |
| 15 Year Conventional Refi | 6.09% | 4/22/24 |
| 15 Year Cash-out Refi | 6.09% | 4/22/24 |
| 15 Year VA Refi | 6.77% | 4/22/24 |
| 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. | ||
Eagle Bank And Trust Company Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,486Origination Dollar Volume (All Markets)
$640,730,000Employee count
196Awards
Eagle Bank and Trust Company - 2019
Eagle Bank and Trust Company is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 921 | $163,135,000 | $177,128 | $3,490 | 4.06% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 666 | $143,220,000 | $215,045 | $5,763 | 3.74% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 715 | $116,505,000 | $162,944 | $3,195 | 3.93% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 387 | $81,005,000 | $209,315 | $3,016 | 3.98% |
| MONROE, LA (FHA|USDA|VA) | 253 | $42,485,000 | $167,925 | $2,501 | 4.16% |
| Outside of Metro Areas | 182 | $28,250,000 | $155,220 | $2,923 | 4.31% |
| JONESBORO, AR (FHA|USDA|VA) | 78 | $11,930,000 | $152,949 | $4,299 | 4.23% |
| Blackfoot, ID (FHA|USDA|VA) | 57 | $11,675,000 | $204,825 | $5,994 | 3.68% |
| Rexburg, ID (FHA|USDA|VA) | 39 | $9,365,000 | $240,128 | $6,286 | 3.93% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 28 | $4,470,000 | $159,643 | $2,757 | 3.93% |
| Blytheville, AR (FHA|USDA|VA) | 24 | $2,880,000 | $120,000 | $3,875 | 4.35% |
| Searcy, AR (FHA|USDA|VA) | 18 | $2,670,000 | $148,333 | $3,160 | 4.24% |
| Paragould, AR (FHA|USDA|VA) | 19 | $2,615,000 | $137,632 | $3,988 | 4.18% |
| Malvern, AR (FHA|USDA|VA) | 13 | $2,095,000 | $161,154 | $3,259 | 4.02% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $4,675 | 3.75% |
| POCATELLO, ID (FHA|USDA|VA) | 9 | $1,455,000 | $161,667 | $4,204 | 3.40% |
| BOISE CITY, ID (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $6,577 | 3.70% |
| PINE BLUFF, AR (FHA|USDA|VA) | 8 | $1,160,000 | $145,000 | $3,139 | 3.91% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,624 | 3.56% |
| Jackson, WY-ID (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,855 | 3.79% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $8,612 | 3.81% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,147 | 4.69% |
| Forrest City, AR (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $3,585 | 3.66% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,820 | 4.25% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,566 | 4.31% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,330 | 3.88% |
| Ruston, LA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $1,111 | 3.69% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $18,730 | 3.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,289 | 4.00% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,410 | 3.94% |
| El Dorado, AR (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $2,207 | 4.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,386 | 4.50% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,563 | 3.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,453 | 4.13% |
| Oxford, MS (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $1,502 | 4.00% |
| Russellville, AR (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,190 | 4.31% |
| Helena-West Helena, AR (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,480 | 3.69% |
| Tupelo, MS (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $4,525 | 2.71% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,015 | 3.88% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,288 | 3.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,483 | 4.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,639 | 4.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,185 | 3.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,975 | 3.88% |
| Outside of Metro Areas | 1 | $235,000 | $235,000 | $5,894 | 3.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,993 | 4.00% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,915 | 4.25% |
| Batesville, AR (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $1,109 | 5.27% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.00% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,302 | 4.25% |
| Hope, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,998 | 3.50% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,227 | 4.13% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,930 | 3.75% |
| Grenada, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,120 | 4.13% |
| Branson, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,995 | 4.13% |
Similar Lenders
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Product Mix
For 2019, Eagle Bank And Trust Company's most frequently originated type of loan was Conventional, with 2,193 originations. Their 2nd most popular type was FHA, with 741 originations.
Loan Reason
For 2019, Eagle Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 2,954 originations. The 2nd most popular reason was Refi, with 273 originations.
Loan Duration/Length
For 2019, Eagle Bank And Trust Company's most frequently cited loan duration was 30 Year, with 2,969 originations. The 2nd most popular length was 15 Year, with 177 originations.
Origination Fees/Closing Costs
Eagle Bank And Trust Company's average total fees were $3,913, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,193 originations.
Interest Rates
During 2019, Eagle Bank And Trust Company's average interest rate for loans was 4.05%, while their most frequently originated rate bucket for loans was 3-4%, with 1,889 originations.
Loan Sizing
2019 saw Eagle Bank And Trust Company place emphasis on $100k-200k loans with 1,580 originations, totaling $236,820,000 in origination value.
Applicant Income
Eagle Bank And Trust Company lent most frequently to those with incomes in the $50k or less range, with 960 originations. The second most popular income band? $50k-75k, with 948 originations.
Applicant Debt to Income Ratio
Eagle Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 672 originations. The next most common DTI ratio? 30-36%, with 663 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.16%
Eagle Bank And 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 origination83.36%
Eagle Bank And Trust Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,486 | $640,730,000 | $183,801 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Eagle Bank and Trust Company | Second And Main Streets Heber Springs, AR 72543 | Full Service B&M | $80,591 |
| Eagle Bank and Trust Company | 1152 Main Street Vilonia, AR 72173 | Full Service B&M | $6,882 |
| Eagle Bank and Trust Company | 14600 Arkansas 107 Gravel Ridge, AR 72076 | Full Service B&M | $3,235 |
| Eagle Bank and Trust Company | 1510 Highway 25b North Heber Springs, AR 72543 | Full Service B&M | $2,530 |
| Eagle Bank and Trust Company | 2300 Kiehl Avenue Sherwood, AR 72116 | Full Service B&M | $7,989 |
| Eagle Bank and Trust Company | 370 Dave Creek Parkway Fairfield Bay, AR 72088 | Full Service B&M | $12,916 |
| Eagle Bank and Trust Company | 6022 Highway 36 West Rose Bud, AR 72137 | Full Service B&M | $5,903 |
| Eagle Bank and Trust Company | 6224 Heber Springs Road Quitman, AR 72131 | Full Service B&M | $26,523 |
| Eagle Bank and Trust Company | 650 South Shackleford Road Suite 150 Little Rock, AR 72211 | Full Service B&M | $45,626 |
| Eagle Bank and Trust Company | 6699 Herber Springs Road Drasco, AR 72530 | Full Service B&M | $11,601 |
| Eagle Bank and Trust Company | 7311 North Hills Boulevard, #4 North Little Rock, AR 72116 | Full Service B&M | $51,369 |
| Eagle Bank and Trust Company | 8454 Edgemont Road Greers Ferry, AR 72067 | Full Service B&M | $53,128 |
| Eagle Bank and Trust Company | 9801 Maumelle Blvd North Little Rock, AR 72113 | Full Service B&M | $1,799 |
For 2019, Eagle Bank And Trust Company had 13 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $18,121 |
| Net interest income | $14,656 |
| Total noninterest income | $19,063 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $608 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $18,455 |
| Pre-tax net operating income | $4,067 |
| Securities gains (or losses, -) | $101 |
| Income before extraordinary items | $3,464 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $3,464 |
| Minority interest net income | $0 |
| Net income | $3,464 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $3,380 |
Eagle Bank And Trust Company's gross interest income from loans was $18,121,000.
Eagle Bank And Trust Company's net interest income from loans was $14,656,000.
Eagle Bank And Trust Company's fee based income from loans was $608,000.
Eagle Bank And Trust Company's net income from loans was $3,464,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $3,465 |
| Provision for credit losses | $512 |
| Total noninterest expense | $29,140 |
| Salaries and employee benefits | $21,990 |
| Premises and equipment expense | $2,291 |
| Additional noninterest expense | $4,859 |
| Applicable income taxes | $704 |
| Net charge-offs | $436 |
| Cash dividends | $445 |
Eagle Bank And Trust Company's interest expense for loans was $3,465,000.
Eagle Bank And Trust Company's payroll and benefits expense were $21,990,000.
Eagle Bank And Trust Company's property, plant and equipment expenses $2,291,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 12.0% |
| 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 | $321,871 |
| Deposits held in domestic offices | $321,871 |
| Deposits by Individuals, partnerships, and corporations | $270,132 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $51,739 |
| 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 | $164,891 |
| Demand deposits | $54,141 |
| Nontransaction accounts | $156,980 |
| Money market deposit accounts (MMDAs) | $47,220 |
| Other savings deposits (excluding MMDAs) | $26,431 |
| Total time deposits | $83,329 |
| Total time and savings deposits | $267,730 |
| Noninterest-bearing deposits | $54,141 |
| Interest-bearing deposits | $267,730 |
| Retail deposits | $293,249 |
| IRAs and Keogh plan accounts | $7,126 |
| Brokered deposits | $12,313 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $397,795 |
| Cash & Balances due from depository institutions | $11,283 |
| Interest-bearing balances | $5,534 |
| Total securities | $135,778 |
| Federal funds sold & reverse repurchase | $3,975 |
| Net loans and leases | $221,159 |
| Loan and leases loss allowance | $3,053 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $9,683 |
| Other real estate owned | $1,832 |
| Goodwill and other intangibles | $0 |
| All other assets | $14,085 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $397,795 |
| Total Liabilities | $342,386 |
| Total deposits | $321,871 |
| Interest-bearing deposits | $267,730 |
| Deposits held in domestic offices | $321,871 |
| % insured (estimated) | $71 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $16,775 |
| Subordinated debt | $0 |
| All other liabilities | $3,740 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $221,159 |
| Loan and leases loss allowance | $3,053 |
| Total loans and leases (domestic) | $224,212 |
| All real estate loans | $208,859 |
| Real estate loans in domestic offices | $208,859 |
| Construction and development loans | $20,893 |
| Residential 1-4 family construction | $8,346 |
| Other construction, all land development and other land | $12,547 |
| Loans secured by nonfarm nonresidential properties | $77,231 |
| Nonfarm nonresidential secured by owner-occupied properties | $50,969 |
| Commercial real estate & other non-farm, non-residential | $26,262 |
| Multifamily residential real estate | $3,010 |
| 1-4 family residential loans | $105,161 |
| Farmland loans | $2,564 |
| Loans held in foreign offices | $0 |
| Farm loans | $20 |
| Commercial and industrial loans | $12,213 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $2,066 |
| Credit card loans | $0 |
| Related Plans | $219 |
| Consumer Auto Loans | $169 |
| Other loans to individuals | $1,678 |
| All other loans & leases | $1,054 |
| 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 | $0 |
| Restructured Loans & leases | $710 |
| Non 1-4 family restructured loans & leases | $68 |
| Total loans and leases (foreign) | $0 |
Eagle Bank and Trust Company had $221,159,000 of loans outstanding in 2019. $208,859,000 of loans were in real estate loans. $20,893,000 of loans were in development loans. $3,010,000 of loans were in multifamily mortgage loans. $105,161,000 of loans were in 1-4 family mortgage loans. $20,000 of loans were in farm loans. $0 of loans were in credit card loans. $169,000 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 | 127 | $25,744 | $202,709 |
| Nonfarm, nonresidential loans - <$100k | 36 | $1,672 | $46,444 |
| Nonfarm, nonresidential loans - $100-250k | 46 | $5,836 | $126,870 |
| Nonfarm, nonresidential loans - $250k-1MM | 45 | $18,236 | $405,244 |
| Commercial & Industrial, US addressed loans - <$1MM | 133 | $5,929 | $44,579 |
| Commercial & Industrial, US addressed loans - <$100k | 106 | $2,166 | $20,434 |
| Commercial & Industrial, US addressed loans - $100-250k | 14 | $1,371 | $97,929 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 13 | $2,392 | $184,000 |
| Farmland loans - <$1MM | 5 | $457 | $91,400 |
| Farmland loans - <$100k | 3 | $199 | $66,333 |
| Farmland loans - $100-250k | 2 | $258 | $129,000 |
| Agriculture operations loans - <$1MM | 1 | $20 | $20,000 |
| Agriculture operations loans - <$100k | 1 | $20 | $20,000 |