Commonwealth Bank And Trust Company Mortgage Rates, Fees & Info

Louisville, KY

LEI: 549300QO5LH5SP6I8C79

Tax ID: 61-0337590

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Mortgage Data

Bank Data

Review & Overview

Commonwealth Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Commonwealth 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: Louisville, Elizabethtown, Cincinnati, Lexington, and Bardstown among others. We have data for 51 markets. (Some data included below & more in-depth data is available with an active subscription.)

Commonwealth 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. Commonwealth 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) 5.27% 5/19/24
30 Year Conventional Purchase 6.74% 5/19/24
30 Year Conventional Refi 6.78% 5/19/24
30 Year Cash-out Refi 6.93% 5/19/24
30 Year FHA Purchase 7.93% 5/19/24
30 Year FHA Refi 7.32% 5/19/24
30 Year VA Purchase 6.32% 5/19/24
30 Year VA Refi 6.27% 5/19/24
30 Year USDA Purchase 6.65% 5/19/24
15 Year Conventional Purchase 5.93% 5/19/24
15 Year Conventional Refi 6.02% 5/19/24
15 Year Cash-out Refi 6.02% 5/19/24
15 Year FHA Refi 5.68% 5/19/24
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.

Commonwealth 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 Commonwealth 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

2,382

Origination Dollar Volume (All Markets)

$470,090,000

Employee count

289

Awards

Commonwealth Bank and Trust Company VA Loans silver Commonwealth Bank and Trust Company VA Loans silver Commonwealth Bank and Trust Company FHA Loans gold
Show all (3) 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
LOUISVILLE, KY (FHA|USDA|VA) 1,793 $356,145,000 $198,631 $3,550 4.29%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 297 $63,935,000 $215,269 $4,196 4.13%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 44 $8,400,000 $190,909 $4,025 4.62%
Outside of Metro Areas 63 $8,295,000 $131,667 $3,762 4.21%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 37 $8,015,000 $216,622 $3,183 4.10%
Bardstown, KY (FHA|USDA|VA) 41 $6,055,000 $147,683 $4,294 4.38%
OWENSBORO, KY (FHA|USDA|VA) 27 $3,705,000 $137,222 $5,042 3.77%
COLUMBUS, OH (FHA|USDA|VA) 9 $2,145,000 $238,333 $4,322 3.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $1,625,000 $325,000 $3,429 4.30%
Frankfort, KY (FHA|USDA|VA) 11 $1,185,000 $107,727 $3,450 4.66%
BOWLING GREEN, KY (FHA|USDA|VA) 5 $995,000 $199,000 $2,208 3.93%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $930,000 $465,000 $3,647 4.31%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $670,000 $335,000 $2,592 4.56%
Madison, IN (FHA|USDA|VA) 2 $590,000 $295,000 $2,472 4.06%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $540,000 $270,000 $2,768 5.13%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $400,000 $200,000 $2,656 4.44%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $370,000 $185,000 $2,832 4.56%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $365,000 $365,000 $4,468 3.75%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $355,000 $355,000 $3,243 3.13%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $335,000 $335,000 $9,639 4.25%
Lebanon, MO (FHA|USDA|VA) 1 $305,000 $305,000 $8,636 3.75%
Danville, KY (FHA|USDA|VA) 2 $300,000 $150,000 $2,676 4.06%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $285,000 $285,000 $3,251 3.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $275,000 $275,000 $2,202 4.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,430 3.38%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $235,000 $235,000 $3,799 4.88%
GADSDEN, AL (FHA|USDA|VA) 1 $205,000 $205,000 $4,774 3.88%
Campbellsville, KY (FHA|USDA|VA) 3 $205,000 $68,333 $4,301 4.83%
Seymour, IN (FHA|USDA|VA) 1 $195,000 $195,000 $2,587 4.38%
Elizabeth City, NC (FHA|USDA|VA) 1 $185,000 $185,000 $4,688 4.50%
TOLEDO, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,362 4.25%
LaGrange, GA-AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,895 4.00%
GREENVILLE, NC (FHA|USDA|VA) 2 $170,000 $85,000 $3,356 4.44%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,469 3.88%
Wooster, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,945 4.25%
SAVANNAH, GA (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.63%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $145,000 $145,000 $4,429 4.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,312 4.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,810 3.75%
London, KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,523 4.50%
OCALA, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,794 4.88%
PANAMA CITY, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,938 3.88%
North Vernon, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,312 4.25%
Richmond-Berea, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,291 4.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $95,000 $95,000 $4,063 4.25%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $95,000 $95,000 $2,588 4.00%
Mount Sterling, KY (FHA|USDA|VA) 1 $75,000 $75,000 $2,072 4.25%
Paducah, KY-IL (FHA|USDA|VA) 1 $75,000 $75,000 $1,807 4.50%
FORT WAYNE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $2,281 4.00%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $65,000 $65,000 $2,631 3.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $55,000 $55,000 $2,483 4.88%
Commonwealth Bank And Trust Company's top markets include Louisville, Elizabethtown, Cincinnati, Lexington, and Bardstown among others.

Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Similar Lenders

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,714 $340,180,000 $198,471 $2,931 4.30%
    FHA 398 $69,300,000 $174,121 $5,889 4.37%
    VA 231 $55,105,000 $238,550 $4,506 3.85%
    USDA 39 $5,505,000 $141,154 $4,097 4.04%

    For 2019, Commonwealth Bank And Trust Company's most frequently originated type of loan was Conventional, with 1,714 originations. Their 2nd most popular type was FHA, with 398 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,445 $259,775,000 $179,775 $4,133 4.35%
    Refi 670 $159,420,000 $237,940 $2,943 4.03%
    Cash Out Refi 224 $45,880,000 $204,821 $3,539 4.30%
    Other 28 $3,920,000 $140,000 $1,802 4.99%
    Home Improvement 15 $1,095,000 $73,000 $1,204 5.12%

    For 2019, Commonwealth Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 1,445 originations. The 2nd most popular reason was Refi, with 670 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,906 $393,190,000 $206,291 $3,886 4.29%
    15 Year 197 $36,215,000 $183,832 $2,473 3.78%
    10 Year 159 $14,325,000 $90,094 $1,713 4.46%
    20 Year 90 $19,310,000 $214,556 $2,578 4.15%
    Other 18 $5,490,000 $305,000 $1,755 4.81%
    5 Year 10 $1,040,000 $104,000 $691 5.35%
    1 Year 1 $505,000 $505,000 $0 5.50%
    3 Year 1 $15,000 $15,000 $912 5.50%

    For 2019, Commonwealth Bank And Trust Company's most frequently cited loan duration was 30 Year, with 1,906 originations. The 2nd most popular length was 15 Year, with 197 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,720 $343,350,000 $199,622
    $1k-2k 498 $87,220,000 $175,141
    $2k-3k 50 $10,950,000 $219,000
    $3k-4k 10 $2,460,000 $246,000
    $4k-5k 4 $1,150,000 $287,500
    $5k+ 3 $1,165,000 $388,333

    Commonwealth Bank And Trust Company's average total fees were $3,886, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,720 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,047 $230,055,000 $219,728
    4-5% 977 $203,575,000 $208,367
    5-6% 316 $33,810,000 $106,994
    <2.5% 31 $155,000 $5,000
    6-7% 9 $2,075,000 $230,556
    2.5-3% 1 $365,000 $365,000
    7-8% 1 $55,000 $55,000

    During 2019, Commonwealth Bank And Trust Company's average interest rate for loans was 4.29%, while their most frequently originated rate bucket for loans was 3-4%, with 1,047 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,022 $153,250,000 $149,951 $3,462 4.27%
    $200k-400k 886 $237,830,000 $268,431 $4,087 4.13%
    $100,000 or less 369 $17,605,000 $47,710 $2,518 4.61%
    $400k-600k 98 $44,400,000 $453,061 $4,204 4.04%
    $1MM+ 5 $15,315,000 $3,063,000 $4,579 5.21%
    $600k-1MM 2 $1,690,000 $845,000 $4,278 4.38%

    2019 saw Commonwealth Bank And Trust Company place emphasis on $100k-200k loans with 1,022 originations, totaling $153,250,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 679 $112,295,000 $165,383 $3,677 4.33%
    $50k or less 553 $62,225,000 $112,523 $3,522 4.29%
    $100k-150k 389 $95,365,000 $245,154 $4,143 4.19%
    $75k-100k 371 $75,505,000 $203,518 $3,987 4.31%
    $150k-250k 196 $57,690,000 $294,337 $3,338 4.20%
    $250k+ 82 $29,120,000 $355,122 $2,924 4.23%

    Commonwealth Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 679 originations. The second most popular income band? $50k or less, with 553 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 512 $108,160,000 $211,250 $3,396 4.12%
    30-36% 418 $82,130,000 $196,483 $3,546 4.27%
    <20% 162 $31,840,000 $196,543 $2,624 4.15%
    50-60% 107 $24,465,000 $228,645 $5,986 4.24%
    43% 84 $17,310,000 $206,071 $3,882 4.38%
    42% 77 $14,275,000 $185,390 $3,437 4.36%
    45% 76 $15,220,000 $200,263 $4,101 4.39%
    37% 75 $14,935,000 $199,133 $3,410 4.31%
    36% 72 $13,260,000 $184,167 $3,833 4.42%
    38% 71 $12,975,000 $182,746 $3,798 4.36%
    39% 70 $14,300,000 $204,286 $3,583 4.33%
    40% 70 $13,070,000 $186,714 $3,350 4.47%
    47% 63 $12,375,000 $196,429 $4,714 4.34%
    49% 63 $12,165,000 $193,095 $4,345 4.30%
    41% 62 $12,900,000 $208,065 $4,316 4.31%
    44% 62 $13,710,000 $221,129 $3,588 4.45%
    46% 55 $10,595,000 $192,636 $4,134 4.39%
    48% 54 $11,320,000 $209,630 $4,269 4.30%
    >60% 1 $245,000 $245,000 $9,806 3.88%

    Commonwealth Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 512 originations. The next most common DTI ratio? 30-36%, with 418 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,080 $406,300,000 $195,337 $3,622 4.25%
    Black 174 $27,130,000 $155,920 $4,196 4.36%
    Not applicable 16 $15,500,000 $968,750 $0 5.20%
    Not provided 74 $14,020,000 $189,459 $3,706 4.24%
    Asian 30 $5,760,000 $192,000 $3,562 4.20%
    American Indian 5 $1,005,000 $201,000 $5,630 4.15%
    Filipino 1 $255,000 $255,000 $2,438 4.00%
    Native Hawaiian or Islander 2 $120,000 $60,000 $3,956 5.63%

    Approval Rates

    Total approvals of all applications
    86.52%

    Commonwealth Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    53.11%

    Commonwealth Bank And Trust Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,382 $470,090,000 $197,351

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 6 $10,660,000 $1,776,667
    Single Family (1-4 Units):Manufactured 1 $115,000 $115,000
    Single Family (1-4 Units):Site-Built 2,375 $459,315,000 $193,396

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 65 $11,515,000 $177,154 $2,103 4.15%
    40-60% 138 $37,190,000 $269,493 $2,566 4.00%
    60-80% 607 $126,905,000 $209,069 $2,742 4.27%
    80-100% 1,363 $280,205,000 $205,580 $4,113 4.26%
    Over 100% 45 $11,515,000 $255,889 $8,527 3.83%
    Under 20% 163 $2,255,000 $13,834 $825 4.62%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Common Wealth Mortgage Services VA mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Commonwealth Bank and Trust Company 10716 Meeting Street Prospect, KY 40059 Full Service B&M $14,739
    Commonwealth Bank and Trust Company 11900 Standiford Plaza Drive Louisville, KY 40229 Full Service B&M $16,078
    Commonwealth Bank and Trust Company 12906 Shelbyville Road Louisville, KY 40243 Full Service B&M $91,606
    Commonwealth Bank and Trust Company 1402 Evergreen Road Louisville, KY 40223 Full Service B&M $33,785
    Commonwealth Bank and Trust Company 1501 Mt. Eden Road Shelbyville, KY 40065 Full Service B&M $30,889
    Commonwealth Bank and Trust Company 160 Barnwood Drive Edgewood, KY 41017 Full Service B&M $23,474
    Commonwealth Bank and Trust Company 1720 Midland Trail Shelbyville, KY 40065 Full Service B&M $46,937
    Commonwealth Bank and Trust Company 2401 Bardstown Road Louisville, KY 40205 Full Service B&M $33,255
    Commonwealth Bank and Trust Company 286 North Hubbards Lane Louisville, KY 40207 Full Service B&M $167,823
    Commonwealth Bank and Trust Company 311 Boone Station Rd Ste 1 Shelbyville, KY 40065 Full Service Retail $13,603
    Commonwealth Bank and Trust Company 422 Main Street Shelbyville, KY 40065 Full Service B&M $121,890
    Commonwealth Bank and Trust Company 4350 Brownsboro Road, Suite 310 Louisville, KY 40207 Full Service B&M $0
    Commonwealth Bank and Trust Company 4944 Us Highway 42 Louisville, KY 40222 Full Service B&M $90,447
    Commonwealth Bank and Trust Company 500 West Main Street Louisville, KY 40202 Full Service B&M $41,608
    Commonwealth Bank and Trust Company 6920 Shelbyville Road Simpsonville, KY 40067 Full Service B&M $29,933
    Commonwealth Bank and Trust Company 7135 Houston Road Florence, KY 41042 Full Service B&M $38,707
    Commonwealth Bank and Trust Company 801 Blankenbaker Parkway Louisville, KY 40243 Full Service B&M $24,404

    For 2019, Commonwealth Bank And Trust Company had 17 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $40,870
    Net interest income $31,268
    Total noninterest income $32,967
    Gross Fiduciary activities income $8,628
    Service charges on deposit accounts $1,774
    Trading account gains and fees $0
    Additional Noninterest Income $22,565
    Pre-tax net operating income $9,070
    Securities gains (or losses, -) $2
    Income before extraordinary items $9,072
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,072
    Minority interest net income $0
    Net income $9,072
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,070

    Commonwealth Bank And Trust Company's gross interest income from loans was $40,870,000.
    Commonwealth Bank And Trust Company's net interest income from loans was $31,268,000.
    Commonwealth Bank And Trust Company's fee based income from loans was $1,774,000.
    Commonwealth Bank And Trust Company's net income from loans was $9,072,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,602
    Provision for credit losses $2,250
    Total noninterest expense $52,915
    Salaries and employee benefits $33,602
    Premises and equipment expense $6,745
    Additional noninterest expense $12,568
    Applicable income taxes $0
    Net charge-offs $1,692
    Cash dividends $8,046

    Commonwealth Bank And Trust Company's interest expense for loans was $9,602,000.
    Commonwealth Bank And Trust Company's payroll and benefits expense were $33,602,000.
    Commonwealth Bank And Trust Company's property, plant and equipment expenses $6,745,000.

    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 0.6%
    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 $915,097
    Deposits held in domestic offices $915,097
    Deposits by Individuals, partnerships, and corporations $859,720
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $55,376
    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 $157,290
    Demand deposits $41,834
    Nontransaction accounts $757,808
    Money market deposit accounts (MMDAs) $143,052
    Other savings deposits (excluding MMDAs) $459,207
    Total time deposits $155,549
    Total time and savings deposits $873,264
    Noninterest-bearing deposits $208,358
    Interest-bearing deposits $706,739
    Retail deposits $746,675
    IRAs and Keogh plan accounts $11,386
    Brokered deposits $135,886
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,122,128
    Cash & Balances due from depository institutions $86,962
    Interest-bearing balances $78,421
    Total securities $180,510
    Federal funds sold & reverse repurchase $1,497
    Net loans and leases $797,761
    Loan and leases loss allowance $8,235
    Trading account assets $0
    Bank premises and fixed assets $31,048
    Other real estate owned $0
    Goodwill and other intangibles $6,990
    All other assets $17,360

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,122,128
    Total Liabilities $1,016,231
    Total deposits $915,097
    Interest-bearing deposits $706,739
    Deposits held in domestic offices $915,097
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $82,770
    Trading liabilities $0
    Other borrowed funds $6,163
    Subordinated debt $0
    All other liabilities $12,201

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $797,761
    Loan and leases loss allowance $8,235
    Total loans and leases (domestic) $805,996
    All real estate loans $649,322
    Real estate loans in domestic offices $649,322
    Construction and development loans $55,414
    Residential 1-4 family construction $6,519
    Other construction, all land development and other land $48,895
    Loans secured by nonfarm nonresidential properties $354,642
    Nonfarm nonresidential secured by owner-occupied properties $118,691
    Commercial real estate & other non-farm, non-residential $235,951
    Multifamily residential real estate $30,541
    1-4 family residential loans $203,576
    Farmland loans $5,149
    Loans held in foreign offices $0
    Farm loans $5,069
    Commercial and industrial loans $92,273
    To non-U.S. addressees $0
    Loans to individuals $46,849
    Credit card loans $2,997
    Related Plans $5,351
    Consumer Auto Loans $30,296
    Other loans to individuals $8,205
    All other loans & leases $12,484
    Loans to foreign governments and official institutions $0
    Other loans $133
    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

    Commonwealth Bank and Trust Company had $797,761,000 of loans outstanding in 2019. $649,322,000 of loans were in real estate loans. $55,414,000 of loans were in development loans. $30,541,000 of loans were in multifamily mortgage loans. $203,576,000 of loans were in 1-4 family mortgage loans. $5,069,000 of loans were in farm loans. $2,997,000 of loans were in credit card loans. $30,296,000 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 250 $61,704 $246,816
    Nonfarm, nonresidential loans - <$100k 54 $1,861 $34,463
    Nonfarm, nonresidential loans - $100-250k 73 $9,062 $124,137
    Nonfarm, nonresidential loans - $250k-1MM 123 $50,781 $412,854
    Commercial & Industrial, US addressed loans - <$1MM 343 $39,993 $116,598
    Commercial & Industrial, US addressed loans - <$100k 170 $5,093 $29,959
    Commercial & Industrial, US addressed loans - $100-250k 88 $8,575 $97,443
    Commercial & Industrial, US addressed loans - $250k-1MM 85 $26,325 $309,706
    Farmland loans - <$1MM 14 $2,185 $156,071
    Farmland loans - <$100k 5 $184 $36,800
    Farmland loans - $100-250k 3 $314 $104,667
    Farmland loans - $250k-1MM 6 $1,687 $281,167
    Agriculture operations loans - <$1MM 7 $2,071 $295,857
    Agriculture operations loans - $100-250k 1 $156 $156,000
    Agriculture operations loans - $250k-1MM 6 $1,915 $319,167