Citizens National Bank Of Greater St. Louis Mortgage Rates, Fees & Info

Maplewood, MO

LEI: 549300RM0VO0UBTMOZ05

Tax ID: 43-0216490

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

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  • SimulatedRates™
  • Mortgage Calculator

    • 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

    Citizens National Bank Of Greater St. Louis is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Citizens National Bank Of Greater St. Louis has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: St. Louis, Baltimore, Chicago, Kansas City, and New York among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens National Bank Of Greater St. Louis 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. Citizens National Bank Of Greater St. Louis 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
    30 Year Conventional Purchase 6.64% 4/21/24
    30 Year Conventional Refi 6.32% 4/21/24
    30 Year Cash-out Refi 6.15% 4/21/24
    30 Year FHA Purchase 6.27% 4/21/24
    30 Year VA Purchase 6.03% 4/21/24
    15 Year Conventional Purchase 5.77% 4/21/24
    15 Year Conventional Refi 5.76% 4/21/24
    15 Year Cash-out Refi 5.76% 4/21/24
    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.

    Citizens National Bank Of Greater St. Louis Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Citizens National Bank Of Greater St. Louis. 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

    545

    Origination Dollar Volume (All Markets)

    $167,715,000

    Employee count

    89

    Awards

    Citizens National Bank of Greater St. Louis 30 Year Conventional Loans silver
    Show all (1) 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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 493 $150,695,000 $305,669 $2,460 3.20%
    Outside of Metro Areas 14 $3,530,000 $252,143 $2,601 3.10%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $1,350,000 $675,000 $3,505 3.44%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,235,000 $411,667 $3,394 2.83%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,070,000 $267,500 $2,914 2.84%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $690,000 $345,000 $5,393 3.31%
    Jackson, WY-ID (FHA|USDA|VA) 2 $550,000 $275,000 $2,794 3.50%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $550,000 $275,000 $2,927 3.19%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $515,000 $515,000 $2,544 2.63%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $515,000 $515,000 $3,280 2.50%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $495,000 $495,000 $3,254 3.00%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $495,000 $495,000 $2,671 3.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $495,000 $495,000 $4,089 2.63%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $495,000 $495,000 $1,747 2.75%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $455,000 $455,000 $3,644 2.88%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $415,000 $415,000 $5,044 2.88%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $375,000 $375,000 $3,279 3.00%
    BOULDER, CO (FHA|USDA|VA) 1 $365,000 $365,000 $2,487 2.88%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $365,000 $365,000 $5,880 3.00%
    SANTA FE, NM (FHA|USDA|VA) 1 $365,000 $365,000 $4,745 3.38%
    GREELEY, CO (FHA|USDA|VA) 1 $345,000 $345,000 $6,081 3.38%
    TYLER, TX (FHA|USDA|VA) 1 $345,000 $345,000 $3,832 2.75%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $335,000 $335,000 $3,782 2.88%
    BEND, OR (FHA|USDA|VA) 1 $285,000 $285,000 $3,542 3.25%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $265,000 $265,000 $3,241 2.88%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $255,000 $255,000 $2,991 2.38%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,680 3.88%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,008 3.13%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $195,000 $195,000 $3,390 3.38%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $3,070 3.13%
    Branson, MO (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.25%
    Citizens National Bank Of Greater St. Louis's top markets include St. Louis, Baltimore, Chicago, Kansas City, and New York among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Citizens National Bank of Greater St. Louis based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    HNB National Bank
    Similarity Rank: 165
    United Bank of Union
    Similarity Rank: 245
    CapGrow Home Mortgage, LLC
    Similarity Rank: 352
    Prairie State Bank and Trust
    Similarity Rank: 360
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 428
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 770
    ELECTRO SAVINGS CREDIT UNION
    Similarity Rank: 1090
    MISSOURI Credit Union
    Similarity Rank: 1216
    INB
    Similarity Rank: 1241
    ALLTRU Federal Credit Union
    Similarity Rank: 1316

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 527 $163,695,000 $310,617 $2,460 3.19%
    FHA 10 $1,700,000 $170,000 $5,843 2.90%
    VA 8 $2,320,000 $290,000 $3,247 2.86%

    For 2020, Citizens National Bank Of Greater St. Louis's most frequently originated type of loan was Conventional, with 527 originations. Their 2nd most popular type was FHA, with 10 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 303 $95,145,000 $314,010 $2,240 3.06%
    Home Purchase 133 $38,435,000 $288,985 $3,517 3.35%
    Cash Out Refi 107 $34,075,000 $318,458 $2,378 3.30%
    Home Improvement 2 $60,000 $30,000 $0 5.00%

    For 2020, Citizens National Bank Of Greater St. Louis's most frequently cited loan purpose was Refi, with 303 originations. The 2nd most popular reason was Home Purchase, with 133 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 348 $104,770,000 $301,063 $2,642 3.21%
    15 Year 110 $32,110,000 $291,909 $2,335 2.77%
    5 Year 31 $13,945,000 $449,839 $0 3.95%
    Other 21 $6,315,000 $300,714 $2,214 3.16%
    20 Year 21 $5,945,000 $283,095 $2,147 3.63%
    10 Year 9 $3,155,000 $350,556 $2,464 2.82%
    1 Year 4 $1,450,000 $362,500 $0 4.75%
    3 Year 1 $25,000 $25,000 $0 4.75%

    For 2020, Citizens National Bank Of Greater St. Louis's most frequently cited loan duration was 30 Year, with 348 originations. The 2nd most popular length was 15 Year, with 110 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 489 $147,515,000 $301,667
    $1k-2k 4 $880,000 $220,000

    Citizens National Bank Of Greater St. Louis's average total fees were $2,642, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 489 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 262 $78,710,000 $300,420
    2.5-3% 196 $62,480,000 $318,776
    <2.5% 52 $17,630,000 $339,038
    4-5% 31 $8,325,000 $268,548
    5-6% 3 $355,000 $118,333
    6-7% 1 $215,000 $215,000

    During 2020, Citizens National Bank Of Greater St. Louis's average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 3-4%, with 262 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 265 $77,725,000 $293,302 $2,586 3.07%
    $100k-200k 118 $18,110,000 $153,475 $2,411 3.35%
    $400k-600k 115 $53,745,000 $467,348 $2,600 2.99%
    $100,000 or less 30 $2,320,000 $77,333 $2,228 3.86%
    $600k-1MM 12 $9,780,000 $815,000 $2,716 3.78%
    $1MM+ 5 $6,035,000 $1,207,000 $3,640 4.14%

    2020 saw Citizens National Bank Of Greater St. Louis place emphasis on $200k-400k loans with 265 originations, totaling $77,725,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 125 $44,775,000 $358,200 $2,556 2.99%
    $100k-150k 111 $32,195,000 $290,045 $2,423 3.11%
    $250k+ 95 $38,885,000 $409,316 $2,542 3.07%
    $75k-100k 80 $18,860,000 $235,750 $2,538 3.22%
    $50k-75k 60 $11,780,000 $196,333 $2,622 3.19%
    $50k or less 33 $4,385,000 $132,879 $2,726 3.30%

    Citizens National Bank Of Greater St. Louis lent most frequently to those with incomes in the $150k-250k range, with 125 originations. The second most popular income band? $100k-150k, with 111 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 164 $48,460,000 $295,488 $2,524 3.06%
    30-36% 93 $27,985,000 $300,914 $2,514 3.08%
    <20% 89 $28,275,000 $317,697 $2,398 3.04%
    41% 20 $6,960,000 $348,000 $2,361 3.16%
    37% 18 $4,990,000 $277,222 $2,630 3.11%
    38% 14 $4,040,000 $288,571 $2,395 3.14%
    39% 14 $3,960,000 $282,857 $2,660 3.17%
    40% 13 $3,095,000 $238,077 $2,439 3.17%
    36% 13 $4,295,000 $330,385 $2,507 3.27%
    43% 12 $3,720,000 $310,000 $2,047 3.27%
    42% 10 $3,130,000 $313,000 $2,448 3.31%
    44% 10 $3,140,000 $314,000 $2,220 3.11%
    45% 10 $2,210,000 $221,000 $3,211 3.16%
    47% 6 $1,690,000 $281,667 $2,929 3.46%
    46% 5 $1,615,000 $323,000 $3,773 3.05%
    48% 4 $870,000 $217,500 $2,621 3.56%
    49% 4 $1,140,000 $285,000 $3,916 3.06%
    50-60% 4 $870,000 $217,500 $5,257 2.97%

    Citizens National Bank Of Greater St. Louis lent most frequently to those with DTI ratios of 20-30%, with 164 originations. The next most common DTI ratio? 30-36%, with 93 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 336 $104,020,000 $309,583 $2,527 3.19%
    Asian 170 $49,720,000 $292,471 $2,552 2.97%
    Not applicable 35 $13,145,000 $375,571 $0 4.19%
    Black 4 $830,000 $207,500 $3,187 3.16%

    Approval Rates

    Total approvals of all applications
    96.71%

    Citizens National Bank Of Greater St. Louis 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
    89.36%

    Citizens National Bank Of Greater St. Louis has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 545 $167,715,000 $307,734

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 12 $9,770,000 $814,167
    Single Family (1-4 Units):Site-Built 533 $157,945,000 $296,332

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 31 $7,885,000 $254,355 $2,257 3.03%
    40-60% 105 $32,885,000 $313,190 $2,401 3.00%
    60-80% 280 $92,010,000 $328,607 $2,430 3.24%
    80-100% 121 $33,415,000 $276,157 $2,995 3.22%
    Over 100% 4 $1,150,000 $287,500 $3,167 3.34%
    Under 20% 4 $370,000 $92,500 $207 4.19%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 35 12.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 13 4.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Credit monitoring or identity theft protection services 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 5 1.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 26 9.5%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 109 39.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 8 2.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 20 7.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.5%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 11 4.0%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 4 1.5%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens National Bank of Greater St. Louis 11812 Dorsett Road Maryland Heights, MO 63043 Full Service B&M $57,404
    Citizens National Bank of Greater St. Louis 2145 Bluestone Drive, Hwy 94 @ Portwest Drive Saint Charles, MO 63303 Full Service B&M $32,970
    Citizens National Bank of Greater St. Louis 430 St. Ferdinand Florissant, MO 63031 Full Service B&M $99,467
    Citizens National Bank of Greater St. Louis 671 Salt Lick Road St. Peters, MO 63376 Full Service B&M $50,091
    Citizens National Bank of Greater St. Louis 7305 Manchester Avenue Maplewood, MO 63143 Full Service B&M $188,578
    Citizens National Bank of Greater St. Louis 9111 Mackenzie Road Affton, MO 63123 Full Service B&M $58,636

    For 2020, Citizens National Bank Of Greater St. Louis had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $22,167
    Net interest income $19,164
    Total noninterest income $3,898
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $846
    Trading account gains and fees $0
    Additional Noninterest Income $3,052
    Pre-tax net operating income $8,651
    Securities gains (or losses, -) $106
    Income before extraordinary items $8,757
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $8,757
    Minority interest net income $0
    Net income $8,757
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $8,651

    Citizens National Bank Of Greater St. Louis's gross interest income from loans was $22,167,000.
    Citizens National Bank Of Greater St. Louis's net interest income from loans was $19,164,000.
    Citizens National Bank Of Greater St. Louis's fee based income from loans was $846,000.
    Citizens National Bank Of Greater St. Louis's net income from loans was $8,757,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,003
    Provision for credit losses $2,116
    Total noninterest expense $12,295
    Salaries and employee benefits $7,142
    Premises and equipment expense $1,459
    Additional noninterest expense $3,694
    Applicable income taxes $0
    Net charge-offs $-152
    Cash dividends $5,119

    Citizens National Bank Of Greater St. Louis's interest expense for loans was $3,003,000.
    Citizens National Bank Of Greater St. Louis's payroll and benefits expense were $7,142,000.
    Citizens National Bank Of Greater St. Louis's property, plant and equipment expenses $1,459,000.

    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 4.0%
    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 $519,980
    Deposits held in domestic offices $519,980
    Deposits by Individuals, partnerships, and corporations $472,031
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $47,703
    Deposits by Commercial banks and other depository institutions in U.S. $246
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $181,556
    Demand deposits $86,064
    Nontransaction accounts $338,424
    Money market deposit accounts (MMDAs) $224,544
    Other savings deposits (excluding MMDAs) $2,955
    Total time deposits $110,925
    Total time and savings deposits $433,916
    Noninterest-bearing deposits $147,522
    Interest-bearing deposits $372,457
    Retail deposits $487,949
    IRAs and Keogh plan accounts $18,031
    Brokered deposits $7,246
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $607,654
    Cash & Balances due from depository institutions $21,812
    Interest-bearing balances $13,943
    Total securities $95,673
    Federal funds sold & reverse repurchase $13,555
    Net loans and leases $460,695
    Loan and leases loss allowance $8,423
    Trading account assets $0
    Bank premises and fixed assets $8,555
    Other real estate owned $6
    Goodwill and other intangibles $754
    All other assets $6,604

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $607,654
    Total Liabilities $546,309
    Total deposits $519,980
    Interest-bearing deposits $372,457
    Deposits held in domestic offices $519,980
    % insured (estimated) $68
    Federal funds purchased and repurchase agreements $17,063
    Trading liabilities $0
    Other borrowed funds $5,000
    Subordinated debt $0
    All other liabilities $4,266

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $460,695
    Loan and leases loss allowance $8,423
    Total loans and leases (domestic) $469,118
    All real estate loans $355,985
    Real estate loans in domestic offices $355,985
    Construction and development loans $36,304
    Residential 1-4 family construction $11,061
    Other construction, all land development and other land $25,243
    Loans secured by nonfarm nonresidential properties $211,757
    Nonfarm nonresidential secured by owner-occupied properties $94,435
    Commercial real estate & other non-farm, non-residential $117,322
    Multifamily residential real estate $25,533
    1-4 family residential loans $78,813
    Farmland loans $3,578
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $107,931
    To non-U.S. addressees $0
    Loans to individuals $5,202
    Credit card loans $0
    Related Plans $6
    Consumer Auto Loans $343
    Other loans to individuals $4,853
    All other loans & leases $0
    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 $1,721
    Non 1-4 family restructured loans & leases $1,721
    Total loans and leases (foreign) $0

    Citizens National Bank of Greater St. Louis had $460,695,000 of loans outstanding in 2020. $355,985,000 of loans were in real estate loans. $36,304,000 of loans were in development loans. $25,533,000 of loans were in multifamily mortgage loans. $78,813,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $343,000 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 191 $51,730 $270,838
    Nonfarm, nonresidential loans - <$100k 27 $824 $30,519
    Nonfarm, nonresidential loans - $100-250k 57 $6,402 $112,316
    Nonfarm, nonresidential loans - $250k-1MM 107 $44,504 $415,925
    Commercial & Industrial, US addressed loans - <$1MM 267 $23,159 $86,738
    Commercial & Industrial, US addressed loans - <$100k 155 $3,404 $21,961
    Commercial & Industrial, US addressed loans - $100-250k 66 $8,555 $129,621
    Commercial & Industrial, US addressed loans - $250k-1MM 46 $11,200 $243,478
    Farmland loans - <$1MM 6 $1,178 $196,333
    Farmland loans - <$100k 1 $65 $65,000
    Farmland loans - $100-250k 1 $155 $155,000
    Farmland loans - $250k-1MM 4 $958 $239,500