Eagle Bank And Trust Company Mortgage Rates, Fees & Info

Little Rock, AR

LEI: 549300QFP6J5QSZVF805

Tax ID: 71-0005235

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

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

    Eagle Bank And Trust Company is a small 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. They have a low ratio of USDA loans. Their top markets by origination volume include: Little Rock, Idaho Falls, Memphis, Fayetteville, and Monroe among others. We have data for 86 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.

    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.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.60% 12/29/24
    30 Year Conventional Refi 6.58% 12/29/24
    30 Year Cash-out Refi 6.70% 12/29/24
    30 Year FHA Purchase 7.39% 12/29/24
    30 Year FHA Refi 7.36% 12/29/24
    30 Year VA Purchase 6.28% 12/29/24
    30 Year VA Refi 6.39% 12/29/24
    30 Year USDA Purchase 6.71% 12/29/24
    30 Year USDA Refi 6.62% 12/29/24
    15 Year Conventional Purchase 6.25% 12/29/24
    15 Year Conventional Refi 6.09% 12/29/24
    15 Year Cash-out Refi 6.09% 12/29/24
    15 Year VA Refi 6.77% 12/29/24
    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






    Your Estimates

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

    This is not an official calculator from Eagle 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

    5,104

    Origination Dollar Volume (All Markets)

    $1,152,300,000

    Employee count

    208 Show all (29) awards

    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) 1,471 $309,745,000 $210,568 $3,532 2.94%
    IDAHO FALLS, ID (FHA|USDA|VA) 841 $235,865,000 $280,458 $6,096 2.86%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 870 $183,840,000 $211,310 $4,069 2.87%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 496 $121,080,000 $244,113 $2,954 2.91%
    MONROE, LA (FHA|USDA|VA) 405 $83,685,000 $206,630 $4,507 2.93%
    Outside of Metro Areas 255 $42,785,000 $167,784 $3,071 3.03%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 186 $39,270,000 $211,129 $5,166 3.06%
    Blackfoot, ID (FHA|USDA|VA) 94 $24,800,000 $263,830 $6,207 2.67%
    JONESBORO, AR (FHA|USDA|VA) 101 $18,435,000 $182,525 $4,361 2.89%
    Rexburg, ID (FHA|USDA|VA) 54 $15,480,000 $286,667 $6,884 2.81%
    HOT SPRINGS, AR (FHA|USDA|VA) 31 $5,905,000 $190,484 $4,151 2.98%
    POCATELLO, ID (FHA|USDA|VA) 21 $4,625,000 $220,238 $5,275 2.71%
    BOISE CITY, ID (FHA|USDA|VA) 13 $4,605,000 $354,231 $6,874 3.06%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 12 $3,250,000 $270,833 $6,047 2.47%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 14 $3,230,000 $230,714 $3,516 2.98%
    Jackson, WY-ID (FHA|USDA|VA) 6 $3,170,000 $528,333 $9,513 2.71%
    Paragould, AR (FHA|USDA|VA) 17 $3,085,000 $181,471 $4,163 2.88%
    Russellville, AR (FHA|USDA|VA) 15 $3,025,000 $201,667 $2,886 2.89%
    FORT SMITH, AR-OK (FHA|USDA|VA) 19 $2,885,000 $151,842 $2,643 3.15%
    Searcy, AR (FHA|USDA|VA) 20 $2,740,000 $137,000 $3,042 3.27%
    Oxford, MS (FHA|USDA|VA) 14 $2,660,000 $190,000 $3,964 3.08%
    Ruston, LA (FHA|USDA|VA) 12 $2,150,000 $179,167 $4,354 2.78%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $1,950,000 $487,500 $7,662 2.75%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $1,905,000 $272,143 $4,667 3.11%
    Malvern, AR (FHA|USDA|VA) 10 $1,840,000 $184,000 $3,001 3.23%
    Blytheville, AR (FHA|USDA|VA) 8 $1,570,000 $196,250 $4,970 2.83%
    PINE BLUFF, AR (FHA|USDA|VA) 8 $1,370,000 $171,250 $3,686 3.03%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $1,330,000 $665,000 $21,063 2.38%
    ST. GEORGE, UT (FHA|USDA|VA) 3 $1,275,000 $425,000 $5,693 2.92%
    PROVO-OREM, UT (FHA|USDA|VA) 3 $1,135,000 $378,333 $3,883 2.63%
    Forrest City, AR (FHA|USDA|VA) 5 $1,125,000 $225,000 $7,029 3.03%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,110,000 $277,500 $3,729 2.56%
    BATON ROUGE, LA (FHA|USDA|VA) 3 $965,000 $321,667 $4,515 2.92%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $965,000 $321,667 $2,416 2.79%
    LOGAN, UT-ID (FHA|USDA|VA) 2 $880,000 $440,000 $2,109 2.56%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $865,000 $288,333 $2,115 2.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 5 $865,000 $173,000 $3,102 2.88%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $820,000 $410,000 $3,433 2.63%
    JACKSON, MS (FHA|USDA|VA) 3 $805,000 $268,333 $4,235 3.08%
    TWIN FALLS, ID (FHA|USDA|VA) 3 $785,000 $261,667 $9,505 2.71%
    SPRINGFIELD, MO (FHA|USDA|VA) 3 $715,000 $238,333 $2,697 2.92%
    El Dorado, AR (FHA|USDA|VA) 2 $710,000 $355,000 $1,672 2.75%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $635,000 $635,000 $3,096 4.13%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $575,000 $575,000 $3,297 2.75%
    TULSA, OK (FHA|USDA|VA) 2 $570,000 $285,000 $5,309 3.06%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $550,000 $275,000 $5,917 2.69%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $530,000 $265,000 $3,079 2.81%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $530,000 $265,000 $3,249 3.13%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $485,000 $161,667 $3,095 3.04%
    Ontario, OR-ID (FHA|USDA|VA) 1 $475,000 $475,000 $4,075 3.38%
    Starkville, MS (FHA|USDA|VA) 1 $445,000 $445,000 $3,009 3.00%
    Batesville, AR (FHA|USDA|VA) 1 $425,000 $425,000 $2,352 2.88%
    Tupelo, MS (FHA|USDA|VA) 2 $420,000 $210,000 $4,567 2.69%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $415,000 $415,000 $7,053 2.63%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $375,000 $375,000 $4,019 2.50%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $365,000 $365,000 $1,999 2.75%
    Arkadelphia, AR (FHA|USDA|VA) 3 $365,000 $121,667 $2,658 2.58%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $335,000 $335,000 $9,724 2.50%
    Magnolia, AR (FHA|USDA|VA) 2 $330,000 $165,000 $2,228 2.50%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $315,000 $315,000 $3,962 2.88%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $315,000 $315,000 $3,681 3.13%
    Helena-West Helena, AR (FHA|USDA|VA) 1 $265,000 $265,000 $6,446 2.88%
    Meridian, MS (FHA|USDA|VA) 1 $265,000 $265,000 $11,270 2.75%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,005 3.38%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $245,000 $245,000 $7,837 2.88%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $235,000 $235,000 $4,004 2.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $235,000 $235,000 $2,158 3.13%
    Corinth, MS (FHA|USDA|VA) 1 $215,000 $215,000 $5,229 2.88%
    Bay City, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,546 3.13%
    TYLER, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,067 2.75%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $205,000 $205,000 $2,466 2.88%
    Natchez, MS-LA (FHA|USDA|VA) 1 $195,000 $195,000 $2,383 2.75%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $195,000 $195,000 $2,744 2.50%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $195,000 $195,000 $2,066 2.63%
    Vicksburg, MS (FHA|USDA|VA) 1 $195,000 $195,000 $1,929 2.75%
    Pampa, TX (FHA|USDA|VA) 1 $175,000 $175,000 $5,201 2.38%
    Poplar Bluff, MO (FHA|USDA|VA) 1 $155,000 $155,000 $1,947 3.00%
    JACKSON, TN (FHA|USDA|VA) 1 $155,000 $155,000 $2,990 3.00%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $155,000 $155,000 $2,621 2.75%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,033 2.75%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.75%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,978 3.00%
    Clarksdale, MS (FHA|USDA|VA) 1 $115,000 $115,000 $1,942 3.25%
    Branson, MO (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.25%
    Camden, AR (FHA|USDA|VA) 1 $85,000 $85,000 $3,058 2.88%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $75,000 $75,000 $2,315 2.88%
    Eagle Bank And Trust Company's top markets include Little Rock, Idaho Falls, Memphis, Fayetteville, and Monroe among others.

    Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

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

    CONNECTIONS
    Similarity Rank: 60
    CENTRIC
    Similarity Rank: 108
    BEEHIVE
    Similarity Rank: 252
    STANDARD MORTGAGE CORPORATION
    Similarity Rank: 256
    Farmers Bank & Trust Company
    Similarity Rank: 304
    FIRST WESTERN MORTGAGE, INC.
    Similarity Rank: 352
    Century Next Bank
    Similarity Rank: 391
    Cross Keys Bank
    Similarity Rank: 702
    Truity Federal Credit Union
    Similarity Rank: 728
    EAST IDAHO Credit Union
    Similarity Rank: 854

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,736 $849,630,000 $227,417 $3,515 2.97%
    FHA 725 $147,135,000 $202,945 $6,672 2.83%
    VA 348 $104,020,000 $298,908 $6,232 2.66%
    USDA 295 $51,515,000 $174,627 $4,666 2.70%

    For 2021, Eagle Bank And Trust Company's most frequently originated type of loan was Conventional, with 3,736 originations. Their 2nd most popular type was FHA, with 725 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,438 $796,830,000 $231,771 $4,788 2.93%
    Refi 900 $179,940,000 $199,933 $2,713 2.74%
    Cash Out Refi 719 $168,735,000 $234,680 $4,019 3.06%
    Other 40 $6,180,000 $154,500 $2,723 2.94%
    Home Improvement 7 $615,000 $87,857 $1,744 3.51%

    For 2021, Eagle Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 3,438 originations. The 2nd most popular reason was Refi, with 900 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,265 $1,015,615,000 $238,128 $4,487 2.98%
    15 Year 457 $89,155,000 $195,088 $2,857 2.45%
    10 Year 115 $4,655,000 $40,478 $3,316 2.64%
    20 Year 101 $21,105,000 $208,960 $2,916 2.81%
    Other 80 $11,890,000 $148,625 $3,081 3.04%
    5 Year 45 $3,165,000 $70,333 $0 0.89%
    3 Year 31 $4,505,000 $145,323 $0 4.39%
    1 Year 10 $2,210,000 $221,000 $0 3.96%

    For 2021, Eagle Bank And Trust Company's most frequently cited loan duration was 30 Year, with 4,265 originations. The 2nd most popular length was 15 Year, with 457 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,019 $659,005,000 $218,286
    $1k-2k 664 $134,200,000 $202,108
    $2k-3k 520 $115,420,000 $221,962
    $3k-4k 352 $106,070,000 $301,335
    $4k-5k 139 $54,645,000 $393,129
    $5k+ 64 $31,490,000 $492,031

    Eagle Bank And Trust Company's average total fees were $4,487, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,019 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,467 $584,145,000 $236,784
    3-4% 1,605 $355,005,000 $221,187
    <2.5% 910 $193,630,000 $212,780
    4-5% 119 $19,395,000 $162,983
    6-7% 2 $80,000 $40,000
    5-6% 1 $45,000 $45,000

    During 2021, Eagle Bank And Trust Company's average interest rate for loans was 2.98%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,467 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,311 $635,645,000 $275,052 $4,750 2.92%
    $100k-200k 1,904 $292,440,000 $153,592 $3,463 2.96%
    $100,000 or less 492 $27,310,000 $55,508 $2,646 2.68%
    $400k-600k 360 $168,830,000 $468,972 $5,731 2.93%
    $600k-1MM 35 $25,445,000 $727,000 $12,291 2.88%
    $1MM+ 2 $2,630,000 $1,315,000 $7,534 3.25%

    2021 saw Eagle Bank And Trust Company place emphasis on $200k-400k loans with 2,311 originations, totaling $635,645,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,310 $259,970,000 $198,450 $4,378 2.92%
    $50k or less 1,143 $163,875,000 $143,373 $3,949 2.77%
    $100k-150k 983 $274,835,000 $279,588 $4,335 2.97%
    $75k-100k 968 $230,240,000 $237,851 $4,460 2.94%
    $150k-250k 456 $149,150,000 $327,083 $4,357 3.01%
    $250k+ 132 $47,650,000 $360,985 $5,177 3.04%

    Eagle Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 1,310 originations. The second most popular income band? $50k or less, with 1,143 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,105 $243,715,000 $220,557 $3,814 2.90%
    30-36% 978 $227,090,000 $232,198 $4,190 2.92%
    <20% 387 $81,725,000 $211,176 $3,175 2.85%
    44% 232 $49,660,000 $214,052 $4,662 2.91%
    37% 208 $45,390,000 $218,221 $4,150 2.94%
    40% 206 $45,450,000 $220,631 $4,726 2.87%
    42% 204 $50,380,000 $246,961 $4,453 2.96%
    41% 200 $46,310,000 $231,550 $4,757 2.89%
    39% 199 $44,095,000 $221,583 $4,077 2.97%
    50-60% 192 $46,050,000 $239,844 $7,152 2.78%
    43% 188 $41,800,000 $222,340 $4,633 2.94%
    38% 172 $38,660,000 $224,767 $4,251 2.96%
    36% 164 $37,290,000 $227,378 $4,169 2.93%
    45% 136 $31,460,000 $231,324 $4,844 2.86%
    49% 113 $23,835,000 $210,929 $4,390 2.88%
    47% 105 $24,755,000 $235,762 $5,252 2.93%
    46% 102 $25,230,000 $247,353 $4,894 2.93%
    48% 102 $24,170,000 $236,961 $4,607 2.92%
    >60% 3 $815,000 $271,667 $2,317 3.21%

    Eagle Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 1,105 originations. The next most common DTI ratio? 30-36%, with 978 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,308 $981,990,000 $227,946 $4,279 2.90%
    Black 350 $65,960,000 $188,457 $4,620 2.87%
    Not provided 234 $53,050,000 $226,709 $4,054 2.95%
    Asian 146 $38,040,000 $260,548 $3,776 2.96%
    American Indian 31 $6,855,000 $221,129 $3,809 3.06%
    Not applicable 29 $5,295,000 $182,586 $4,322 4.08%
    Native Hawaiian or Islander 6 $1,110,000 $185,000 $3,019 2.88%

    Approval Rates

    Total approvals of all applications
    96.92%

    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 origination
    80.11%

    Eagle Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,104 $1,152,300,000 $225,764

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,104 $1,152,300,000 $225,764

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 132 $18,670,000 $141,439 $2,958 2.68%
    40-60% 482 $93,520,000 $194,025 $3,323 2.81%
    60-80% 1,611 $379,875,000 $235,801 $3,566 3.05%
    80-100% 2,600 $622,500,000 $239,423 $4,677 2.95%
    Over 100% 76 $26,300,000 $346,053 $12,646 2.68%
    Under 20% 160 $1,830,000 $11,438 $2,863 1.75%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Eagle Bank and Trust Company 1152 Main Street Vilonia, AR 72173 Full Service B&M $9,003
    Eagle Bank and Trust Company 14600 Arkansas 107 Gravel Ridge, AR 72076 Full Service B&M $4,817
    Eagle Bank and Trust Company 1510 Highway 25b North Heber Springs, AR 72543 Full Service B&M $3,699
    Eagle Bank and Trust Company 2300 Kiehl Avenue Sherwood, AR 72116 Full Service B&M $14,759
    Eagle Bank and Trust Company 370 Dave Creek Parkway Fairfield Bay, AR 72088 Full Service B&M $16,951
    Eagle Bank and Trust Company 6022 Highway 36 West Rose Bud, AR 72137 Full Service B&M $9,208
    Eagle Bank and Trust Company 6224 Heber Springs Road Quitman, AR 72131 Full Service B&M $38,183
    Eagle Bank and Trust Company 650 South Shackleford Road Suite 150 Little Rock, AR 72211 Full Service B&M $49,014
    Eagle Bank and Trust Company 6699 Herber Springs Road Drasco, AR 72530 Full Service B&M $14,745
    Eagle Bank and Trust Company 7311 North Hills Boulevard, #4 North Little Rock, AR 72116 Full Service B&M $67,938
    Eagle Bank and Trust Company 8454 Edgemont Road Greers Ferry, AR 72067 Full Service B&M $63,402
    Eagle Bank and Trust Company 9801 Maumelle Blvd North Little Rock, AR 72113 Full Service B&M $3,248
    Eagle Bank and Trust Company Second And Main Streets Heber Springs, AR 72543 Full Service B&M $98,653

    For 2021, Eagle Bank And Trust Company had 13 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $15,709
    Net interest income $14,222
    Total noninterest income $42,282
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $423
    Trading account gains and fees $0
    Additional Noninterest Income $41,859
    Pre-tax net operating income $11,280
    Securities gains (or losses, -) $94
    Income before extraordinary items $9,112
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,112
    Minority interest net income $0
    Net income $9,112
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,036

    Eagle Bank And Trust Company's gross interest income from loans was $15,709,000.
    Eagle Bank And Trust Company's net interest income from loans was $14,222,000.
    Eagle Bank And Trust Company's fee based income from loans was $423,000.
    Eagle Bank And Trust Company's net income from loans was $9,112,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,487
    Provision for credit losses $91
    Total noninterest expense $45,133
    Salaries and employee benefits $37,238
    Premises and equipment expense $2,481
    Additional noninterest expense $5,414
    Applicable income taxes $2,262
    Net charge-offs $81
    Cash dividends $1,782

    Eagle Bank And Trust Company's interest expense for loans was $1,487,000.
    Eagle Bank And Trust Company's payroll and benefits expense were $37,238,000.
    Eagle Bank And Trust Company's property, plant and equipment expenses $2,481,000.

    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 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 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $426,947
    Deposits held in domestic offices $426,947
    Deposits by Individuals, partnerships, and corporations $374,679
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $52,268
    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 $256,938
    Demand deposits $102,205
    Nontransaction accounts $170,009
    Money market deposit accounts (MMDAs) $61,625
    Other savings deposits (excluding MMDAs) $40,939
    Total time deposits $67,445
    Total time and savings deposits $324,742
    Noninterest-bearing deposits $102,205
    Interest-bearing deposits $324,742
    Retail deposits $407,815
    IRAs and Keogh plan accounts $6,237
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $502,207
    Cash & Balances due from depository institutions $8,332
    Interest-bearing balances $3,733
    Total securities $228,429
    Federal funds sold & reverse repurchase $59,528
    Net loans and leases $180,369
    Loan and leases loss allowance $3,670
    Trading account assets $0
    Bank premises and fixed assets $8,316
    Other real estate owned $4,489
    Goodwill and other intangibles $0
    All other assets $12,744

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $502,207
    Total Liabilities $430,304
    Total deposits $426,947
    Interest-bearing deposits $324,742
    Deposits held in domestic offices $426,947
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $429
    Subordinated debt $0
    All other liabilities $2,928

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $180,369
    Loan and leases loss allowance $3,670
    Total loans and leases (domestic) $184,039
    All real estate loans $176,169
    Real estate loans in domestic offices $176,169
    Construction and development loans $23,350
    Residential 1-4 family construction $9,176
    Other construction, all land development and other land $14,174
    Loans secured by nonfarm nonresidential properties $57,282
    Nonfarm nonresidential secured by owner-occupied properties $41,072
    Commercial real estate & other non-farm, non-residential $16,210
    Multifamily residential real estate $1,372
    1-4 family residential loans $93,879
    Farmland loans $286
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $5,503
    To non-U.S. addressees $0
    Loans to individuals $1,985
    Credit card loans $0
    Related Plans $178
    Consumer Auto Loans $98
    Other loans to individuals $1,709
    All other loans & leases $382
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Eagle Bank and Trust Company had $180,369,000 of loans outstanding in 2021. $176,169,000 of loans were in real estate loans. $23,350,000 of loans were in development loans. $1,372,000 of loans were in multifamily mortgage loans. $93,879,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $98,000 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 $16,467 $193,729
    Nonfarm, nonresidential loans - <$100k 27 $1,272 $47,111
    Nonfarm, nonresidential loans - $100-250k 30 $4,036 $134,533
    Nonfarm, nonresidential loans - $250k-1MM 28 $11,159 $398,536
    Commercial & Industrial, US addressed loans - <$1MM 106 $5,156 $48,642
    Commercial & Industrial, US addressed loans - <$100k 80 $1,597 $19,963
    Commercial & Industrial, US addressed loans - $100-250k 14 $809 $57,786
    Commercial & Industrial, US addressed loans - $250k-1MM 12 $2,750 $229,167
    Farmland loans - <$1MM 4 $286 $71,500
    Farmland loans - <$100k 3 $193 $64,333
    Farmland loans - $100-250k 1 $93 $93,000