Citizens Tri-county Bank Mortgage Rates, Fees & Info
Dunlap, TN
LEI: 549300RUFHC5ZQDL8J10
Tax ID: 62-0875633
5 stars
-
out of 5 stars, based on 28 reviews
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Mortgage Data
Bank Data
Overview
Citizens Tri-county Bank is a
smaller
bank
specializing in
Home Purchase and Cash Out Refi loans.
Citizens Tri-county Bank has a high proportion of conventional loans.
They have a low ratio of USDA loans.
Their top markets include Chattanooga, Tullahoma, Mcminnville, Nashville, and Dayton among others. Citizens Tri-county Bank has
an average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
Citizens Tri-county Bank is typically
an average fee
lendor.
Originations
787
Origination Dollar Volume (All Markets)
$116,935,000
Employee count
279
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Relative Rate
Citizens Tri-county Bank's average 30 year fixed rate mortgage of loans were
3.11%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.04%.
Relative Fees
Citizens Tri-county Bank's average total fees for a 30 year fixed rate
mortgage are $3,397.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
|
CHATTANOOGA, TN-GA (FHA|USDA|VA)
|
329
|
$53,385,000 |
$162,264 |
$2,166 |
4.57% |
|
Tullahoma-Manchester, TN (FHA|USDA|VA)
|
159
|
$24,775,000 |
$155,818 |
$2,318 |
4.50% |
|
Outside of Metro Areas
|
172 |
$16,770,000 |
$97,500 |
$1,562 |
5.52% |
|
McMinnville, TN (FHA|USDA|VA)
|
64
|
$8,460,000 |
$132,188 |
$2,458 |
4.69% |
|
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA)
|
14
|
$3,600,000 |
$257,143 |
$3,533 |
3.60% |
|
Dayton, TN (FHA|USDA|VA)
|
15
|
$2,415,000 |
$161,000 |
$2,270 |
4.04% |
|
KNOXVILLE, TN (FHA|USDA|VA)
|
6
|
$1,810,000 |
$301,667 |
$2,541 |
4.16% |
|
Shelbyville, TN (FHA|USDA|VA)
|
6
|
$1,660,000 |
$276,667 |
$3,601 |
4.18% |
|
Scottsboro, AL (FHA|USDA|VA)
|
5
|
$725,000 |
$145,000 |
$2,351 |
5.61% |
|
Crossville, TN (FHA|USDA|VA)
|
4
|
$610,000 |
$152,500 |
$2,369 |
4.36% |
|
RICHMOND, VA (FHA|USDA|VA)
|
2
|
$610,000 |
$305,000 |
$2,565 |
3.56% |
|
CLEVELAND, TN (FHA|USDA|VA)
|
3
|
$585,000 |
$195,000 |
$2,770 |
3.92% |
|
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA)
|
1
|
$505,000 |
$505,000 |
$2,556 |
4.50% |
|
HUNTSVILLE, AL (FHA|USDA|VA)
|
2
|
$340,000 |
$170,000 |
$3,012 |
2.81% |
|
Cookeville, TN (FHA|USDA|VA)
|
2
|
$200,000 |
$100,000 |
$876 |
4.75% |
|
Lewisburg, TN (FHA|USDA|VA)
|
1
|
$185,000 |
$185,000 |
$0 |
4.99% |
|
GAINESVILLE, FL (FHA|USDA|VA)
|
1
|
$165,000 |
$165,000 |
$2,282 |
3.00% |
|
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA)
|
1
|
$135,000 |
$135,000 |
$3,447 |
3.25% |
Citizens Tri-county Bank's top markets include Chattanooga, Tullahoma, Mcminnville, Nashville, and Dayton among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
779 |
$115,265,000 |
$147,965 |
$2,107 |
4.75% |
| USDA |
5 |
$865,000 |
$173,000 |
$5,129 |
2.88% |
| VA |
3 |
$805,000 |
$268,333 |
$2,988 |
2.92% |
For the 2021 period, Citizens Tri-county Bank's most frequently
originated loan type
of loans were Conventional, with 779 originations.
Their 2nd most popular type is USDA,
with 5 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Home Purchase |
349 |
$60,535,000 |
$173,453 |
$2,576 |
4.60% |
| Cash Out Refi |
227 |
$32,845,000 |
$144,692 |
$2,085 |
4.51% |
| Refi |
147 |
$17,575,000 |
$119,558 |
$1,507 |
4.90% |
| Home Improvement |
44 |
$3,500,000 |
$79,545 |
$1,192 |
5.75% |
| Other |
20 |
$2,480,000 |
$124,000 |
$1,713 |
6.26% |
For the 2021, Citizens Tri-county Bank's most frequently cited loan
purpose
of loans were Home Purchase, with 349
originations.
The 2nd most popular reason of loans were Cash Out Refi,
with 227 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 30 Year |
217 |
$51,765,000 |
$238,548 |
$3,397 |
3.11% |
| 15 Year |
200 |
$23,010,000 |
$115,050 |
$1,691 |
5.13% |
| 20 Year |
115 |
$19,295,000 |
$167,783 |
$1,599 |
5.18% |
| Other |
112 |
$12,140,000 |
$108,393 |
$1,036 |
5.54% |
| 10 Year |
90 |
$5,190,000 |
$57,667 |
$1,181 |
5.77% |
| 1 Year |
33 |
$4,815,000 |
$145,909 |
$1,446 |
4.96% |
| 5 Year |
17 |
$635,000 |
$37,353 |
$1,004 |
6.15% |
| 3 Year |
3 |
$85,000 |
$28,333 |
$664 |
7.13% |
For the 2021, Citizens Tri-county Bank's most frequently cited loan
length
of loans were 30 Year, with 217 originations.
The 2nd most popular length of loans were 15 Year,
with 200 originations.
Origination Fees
| Origination Fee |
Originations |
Total Value |
Average Loan |
| $<1k |
470 |
$63,550,000 |
$135,213 |
| $1k-2k |
99 |
$20,065,000 |
$202,677 |
| $2k-3k |
24 |
$5,470,000 |
$227,917 |
| $3k-4k |
13 |
$3,425,000 |
$263,462 |
| $5k+ |
3 |
$1,435,000 |
$478,333 |
$3,397 of loans were Citizens Tri-county Bank's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 470 originations.
Interest Rates
| Loan Rate |
Originations |
Total Value |
Average Loan |
| 4-5% |
263 |
$32,075,000 |
$121,958 |
| 3-4% |
128 |
$34,350,000 |
$268,359 |
| 2.5-3% |
117 |
$27,125,000 |
$231,838 |
| 6-7% |
82 |
$6,010,000 |
$73,293 |
| 5-6% |
66 |
$6,210,000 |
$94,091 |
| 7-8% |
51 |
$3,025,000 |
$59,314 |
| Over 8% |
43 |
$2,645,000 |
$61,512 |
| <2.5% |
37 |
$5,495,000 |
$148,514 |
During 2021, Citizens Tri-county Bank's average interest
rate of loans were 3.11%, while their
most frequently originated rate bucket of loans were 4-5%,
with 263 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100,000 or less |
358 |
$19,350,000 |
$54,050 |
$1,286 |
5.68% |
| $100k-200k |
239 |
$34,265,000 |
$143,368 |
$2,324 |
4.25% |
| $200k-400k |
142 |
$38,650,000 |
$272,183 |
$3,112 |
3.53% |
| $400k-600k |
43 |
$20,265,000 |
$471,279 |
$3,767 |
3.60% |
| $600k-1MM |
4 |
$2,840,000 |
$710,000 |
$4,746 |
3.97% |
| $1MM+ |
1 |
$1,565,000 |
$1,565,000 |
$0 |
3.50% |
2021 saw Citizens Tri-county Bank place emphasis on
$100,000 or less loans
with 358 originations, totaling
$19,350,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $50k or less |
222 |
$16,010,000 |
$72,117 |
$1,671 |
5.41% |
| $50k-75k |
181 |
$23,895,000 |
$132,017 |
$2,048 |
4.72% |
| $100k-150k |
114 |
$23,210,000 |
$203,596 |
$2,792 |
4.07% |
| $75k-100k |
114 |
$19,390,000 |
$170,088 |
$2,378 |
4.50% |
| $150k-250k |
64 |
$14,020,000 |
$219,063 |
$2,503 |
4.27% |
| $250k+ |
49 |
$11,145,000 |
$227,449 |
$2,618 |
4.66% |
Citizens Tri-county Bank lent most frequently to those with incomes in the
$50k or less range, with
222 originations.
The second most popular income band? $50k-75k,
with 181 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-30% |
201 |
$25,955,000 |
$129,129 |
$2,019 |
4.79% |
| 30-36% |
138 |
$22,670,000 |
$164,275 |
$2,308 |
4.64% |
| <20% |
133 |
$15,685,000 |
$117,932 |
$1,792 |
4.92% |
| 50-60% |
31 |
$3,715,000 |
$119,839 |
$1,036 |
5.69% |
| 39% |
24 |
$3,800,000 |
$158,333 |
$2,501 |
4.50% |
| 37% |
24 |
$2,590,000 |
$107,917 |
$2,352 |
4.47% |
| 42% |
23 |
$3,765,000 |
$163,696 |
$2,203 |
4.81% |
| >60% |
22 |
$2,730,000 |
$124,091 |
$1,609 |
5.64% |
| 36% |
21 |
$2,885,000 |
$137,381 |
$1,931 |
4.61% |
| 41% |
21 |
$4,155,000 |
$197,857 |
$3,003 |
5.16% |
| 40% |
18 |
$3,530,000 |
$196,111 |
$2,978 |
4.40% |
| 44% |
18 |
$2,280,000 |
$126,667 |
$1,673 |
4.78% |
| 38% |
16 |
$3,340,000 |
$208,750 |
$2,938 |
3.46% |
| 46% |
11 |
$1,795,000 |
$163,182 |
$2,760 |
3.98% |
| 45% |
11 |
$2,345,000 |
$213,182 |
$2,617 |
4.12% |
| 49% |
10 |
$1,590,000 |
$159,000 |
$2,123 |
5.27% |
| 43% |
10 |
$2,700,000 |
$270,000 |
$3,251 |
3.28% |
| 47% |
9 |
$1,355,000 |
$150,556 |
$3,354 |
3.66% |
| 48% |
6 |
$1,310,000 |
$218,333 |
$2,560 |
4.80% |
Citizens Tri-county Bank lent most frequently to those with DTI ratios
of 20-30%, with
201 originations.
The next most common DTI ratio? 30-36%,
with 138 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| White |
680 |
$98,560,000 |
$144,941 |
$2,118 |
4.75% |
| Not provided |
44 |
$7,220,000 |
$164,091 |
$2,176 |
4.44% |
| Not applicable |
34 |
$6,370,000 |
$187,353 |
$0 |
4.56% |
| Black |
17 |
$1,895,000 |
$111,471 |
$1,613 |
5.40% |
| American Indian |
5 |
$1,665,000 |
$333,000 |
$4,427 |
3.25% |
| Asian Indian |
3 |
$785,000 |
$261,667 |
$3,139 |
4.21% |
| Asian |
3 |
$395,000 |
$131,667 |
$1,437 |
3.65% |
| Other Pacific Islander |
1 |
$45,000 |
$45,000 |
$0 |
10.05% |
Approval Rates
Total approvals of all applications
88.60%
Citizens Tri-county Bank has an average approval rate.
Pick Rate
Approvals leading to origination
76.78%
Citizens Tri-county Bank has a below average pick rate.
Points and Fees
| Points |
Originations |
Total Value |
Average Loan |
| 150.0 |
2 |
$20,000 |
$10,000 |
| 250.0 |
3 |
$195,000 |
$65,000 |
| 400.0 |
6 |
$200,000 |
$33,333 |
| NA |
776 |
$116,520,000 |
$150,155 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
787 |
$116,935,000 |
$148,583 |
LTV Distribution
| Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-40% |
115 |
$9,695,000 |
$84,304 |
$1,614 |
4.97% |
| 40-60% |
182 |
$23,420,000 |
$128,681 |
$1,955 |
4.83% |
| 60-80% |
316 |
$56,080,000 |
$177,468 |
$2,242 |
4.63% |
| 80-100% |
141 |
$25,915,000 |
$183,794 |
$2,822 |
4.46% |
| Over 100% |
3 |
$195,000 |
$65,000 |
$1,501 |
7.00% |
| Under 20% |
30 |
$1,630,000 |
$54,333 |
$1,237 |
5.33% |
Complaints
| Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Applying for a mortgage or refinancing an existing mortgage |
54 |
15.6% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Closing on a mortgage |
22 |
6.3% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Improper use of your report |
1 |
0.3% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Incorrect information on your report |
6 |
1.7% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Problem with a credit reporting company's investigation into an existing problem |
3 |
0.9% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Struggling to pay mortgage |
27 |
7.8% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Trouble during payment process |
116 |
33.4% |
| CITIZENS FINANCIAL GROUP, INC. |
FHA mortgage |
Applying for a mortgage or refinancing an existing mortgage |
7 |
2.0% |
| CITIZENS FINANCIAL GROUP, INC. |
FHA mortgage |
Closing on a mortgage |
4 |
1.2% |
| CITIZENS FINANCIAL GROUP, INC. |
FHA mortgage |
Struggling to pay mortgage |
15 |
4.3% |
| CITIZENS FINANCIAL GROUP, INC. |
FHA mortgage |
Trouble during payment process |
19 |
5.5% |
| CITIZENS FINANCIAL GROUP, INC. |
Home equity loan or line of credit (HELOC) |
Applying for a mortgage or refinancing an existing mortgage |
7 |
2.0% |
| CITIZENS FINANCIAL GROUP, INC. |
Home equity loan or line of credit (HELOC) |
Closing on a mortgage |
4 |
1.2% |
| CITIZENS FINANCIAL GROUP, INC. |
Home equity loan or line of credit (HELOC) |
Incorrect information on your report |
2 |
0.6% |
| CITIZENS FINANCIAL GROUP, INC. |
Home equity loan or line of credit (HELOC) |
Struggling to pay mortgage |
2 |
0.6% |
| CITIZENS FINANCIAL GROUP, INC. |
Home equity loan or line of credit (HELOC) |
Trouble during payment process |
27 |
7.8% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Applying for a mortgage or refinancing an existing mortgage |
5 |
1.4% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Closing on a mortgage |
3 |
0.9% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Improper use of your report |
1 |
0.3% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Incorrect information on your report |
1 |
0.3% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Struggling to pay mortgage |
3 |
0.9% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Trouble during payment process |
13 |
3.7% |
| CITIZENS FINANCIAL GROUP, INC. |
VA mortgage |
Struggling to pay mortgage |
2 |
0.6% |
| CITIZENS FINANCIAL GROUP, INC. |
VA mortgage |
Trouble during payment process |
3 |
0.9% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| Citizens Tri-County Bank |
Oak And Colyar Streets Tracy City, TN 37387 |
Full Service B&M
|
$37,569 |
| Citizens Tri-County Bank |
101 West Main Street Mcminnville, TN 37110 |
Full Service B&M
|
$58,915 |
| Citizens Tri-County Bank |
105 Front Street South Cowan, TN 37318 |
Full Service B&M
|
$7,429 |
| Citizens Tri-County Bank |
1100 New Smithville Hwy, Suite 700 Mcminnville, TN 37110 |
Full Service B&M
|
$14,638 |
| Citizens Tri-County Bank |
1306 Taft Highway Signal Mountain, TN 37377 |
Full Service B&M
|
$52,229 |
| Citizens Tri-County Bank |
14087 Highway 28 North Whitwell, TN 37397 |
Full Service B&M
|
$46,438 |
| Citizens Tri-County Bank |
1548 Main Street Altamont, TN 37301 |
Full Service B&M
|
$71,699 |
| Citizens Tri-County Bank |
15699 Rankin Avenue Dunlap, TN 37327 |
Full Service B&M
|
$204,846 |
| Citizens Tri-County Bank |
201 N Jackson St Tullahoma, TN 37388 |
Full Service B&M
|
$98,023 |
| Citizens Tri-County Bank |
2030 Decherd Boulevard Decherd, TN 37324 |
Full Service B&M
|
$69,042 |
| Citizens Tri-County Bank |
25709 State Route 56 Coalmont, TN 37313 |
Limited, Drive-thru
|
$0 |
| Citizens Tri-County Bank |
3468 Main St. Pikeville, TN 37367 |
Full Service B&M
|
$60,929 |
| Citizens Tri-County Bank |
36 Resource Road, Industrial Park Dunlap, TN 37327 |
Limited, Drive-thru
|
$0 |
| Citizens Tri-County Bank |
402 Cedar Avenue South Pittsburg, TN 37380 |
Full Service B&M
|
$43,102 |
| Citizens Tri-County Bank |
416 Railroad Avenue Tracy City, TN 37387 |
Full Service B&M
|
$14,348 |
| Citizens Tri-County Bank |
437 Alexian Way Signal Mountain, TN 37377 |
Full Service B&M
|
$0 |
| Citizens Tri-County Bank |
4765 Main Street Jasper, TN 37347 |
Full Service B&M
|
$74,465 |
| Citizens Tri-County Bank |
489 Spring Street Spencer, TN 38585 |
Full Service B&M
|
$52,269 |
| Citizens Tri-County Bank |
5248 Manchester Highway Morrison, TN 37357 |
Full Service B&M
|
$17,093 |
| Citizens Tri-County Bank |
701 Kings Lane Tullahoma, TN 37388 |
Limited, Drive-thru
|
$0 |
| Citizens Tri-County Bank |
711 Main St. Palmer, TN 37365 |
Full Service B&M
|
$24,147 |
| Citizens Tri-County Bank |
80 East Main Street Monteagle, TN 37356 |
Full Service B&M
|
$33,197 |
| Citizens Tri-County Bank |
8575 Dayton Pike Soddy Daisy, TN 37379 |
Full Service B&M
|
$43,409 |
| Citizens Tri-County Bank |
900 Beersheba Highway Mc Minnville, TN 37110 |
Limited, Drive-thru
|
$0 |
| Citizens Tri-County Bank |
State Highway 28 And Us Highway 127, 7312 Sr28 Dunlap, TN 37327 |
Limited, Drive-thru
|
$0 |
For 2021, Citizens Tri-county Bank had 25 branches.
Yearly Performance Overview
Bank Income
Citizens Tri-county Bank's gross interest income from loans was $43,688,000.
Citizens Tri-county Bank's net interest income from loans was $39,207,000.
Citizens Tri-county Bank's fee based income from loans was $4,056,000.
Citizens Tri-county Bank's net income from loans was $21,210,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$4,481 |
| Provision for credit losses |
$1,043 |
| Total noninterest expense |
$26,713 |
| Salaries and employee benefits |
$17,122 |
| Premises and equipment expense |
$3,771 |
| Additional noninterest expense |
$5,820 |
| Applicable income taxes |
$250 |
| Net charge-offs |
$-309 |
| Cash dividends |
$9,000 |
Citizens Tri-county Bank's interest expense for loans was $4,481,000.
Citizens Tri-county Bank's payroll and benefits expense were $17,122,000.
Citizens Tri-county Bank's property, plant and equipment expenses $3,771,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$1,074,057 |
| Deposits held in domestic offices |
$1,074,057 |
| Deposits by Individuals, partnerships, and corporations |
$931,457 |
| Deposits by U.S. Government |
$1 |
| Deposits by States and political subdivisions in the U.S. |
$141,613 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$986 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$509,790 |
| Demand deposits |
$280,270 |
| Nontransaction accounts |
$564,267 |
| Money market deposit accounts (MMDAs) |
$84,343 |
| Other savings deposits (excluding MMDAs) |
$215,252 |
| Total time deposits |
$264,672 |
| Total time and savings deposits |
$793,787 |
| Noninterest-bearing deposits |
$281,139 |
| Interest-bearing deposits |
$792,918 |
| Retail deposits |
$1,015,892 |
| IRAs and Keogh plan accounts |
$56,122 |
| Brokered deposits |
$0 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$1,195,244 |
| Cash & Balances due from depository institutions |
$174,512 |
| Interest-bearing balances |
$143,361 |
| Total securities |
$297,688 |
| Federal funds sold & reverse repurchase |
$0 |
| Net loans and leases |
$680,720 |
| Loan and leases loss allowance |
$10,647 |
| Trading account assets |
$0 |
| Bank premises and fixed assets |
$12,592 |
| Other real estate owned |
$140 |
| Goodwill and other intangibles |
$5,610 |
| All other assets |
$23,982 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$1,195,244 |
| Total Liabilities |
$1,081,467 |
| Total deposits |
$1,074,057 |
| Interest-bearing deposits |
$792,918 |
| Deposits held in domestic offices |
$1,074,057 |
| % insured (estimated) |
$78 |
| Federal funds purchased and repurchase agreements |
$0 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$0 |
| Subordinated debt |
$0 |
| All other liabilities |
$7,410 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$680,720 |
| Loan and leases loss allowance |
$10,647 |
| Total loans and leases (domestic) |
$691,367 |
| All real estate loans |
$512,833 |
| Real estate loans in domestic offices |
$512,833 |
| Construction and development loans |
$162,412 |
| Residential 1-4 family construction |
$61,428 |
| Other construction, all land development and other land |
$100,984 |
| Loans secured by nonfarm nonresidential properties |
$131,509 |
| Nonfarm nonresidential secured by owner-occupied properties |
$48,966 |
| Commercial real estate & other non-farm, non-residential |
$82,543 |
| Multifamily residential real estate |
$3,937 |
| 1-4 family residential loans |
$190,688 |
| Farmland loans |
$24,287 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$452 |
| Commercial and industrial loans |
$50,128 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$98,540 |
| Credit card loans |
$755 |
| Related Plans |
$0 |
| Consumer Auto Loans |
$20,141 |
| Other loans to individuals |
$77,644 |
| All other loans & leases |
$29,414 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$4,298 |
| Loans to depository institutions and acceptances of other banks |
$6,000 |
| 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 |
Citizens Tri-County Bank had $680,720,000 of loans outstanding in 2021. $512,833,000 of loans were in real estate loans.
$162,412,000 of loans were in development loans. $3,937,000 of loans were in multifamily mortgage loans.
$190,688,000 of loans were in 1-4 family mortgage loans. $452,000 of loans were in farm loans. $755,000
of loans were in credit card loans. $20,141,000 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 |
350 |
$69,202 |
$197,720 |
| Nonfarm, nonresidential loans - <$100k |
124 |
$4,992 |
$40,258 |
| Nonfarm, nonresidential loans - $100-250k |
112 |
$14,473 |
$129,223 |
| Nonfarm, nonresidential loans - $250k-1MM |
114 |
$49,737 |
$436,289 |
| Commercial & Industrial, US addressed loans - <$1MM |
131 |
$9,798 |
$74,794 |
| Commercial & Industrial, US addressed loans - <$100k |
90 |
$2,674 |
$29,711 |
| Commercial & Industrial, US addressed loans - $100-250k |
26 |
$2,568 |
$98,769 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
15 |
$4,556 |
$303,733 |
| Farmland loans - <$1MM |
173 |
$17,659 |
$102,075 |
| Farmland loans - <$100k |
99 |
$4,082 |
$41,232 |
| Farmland loans - $100-250k |
52 |
$7,207 |
$138,596 |
| Farmland loans - $250k-1MM |
22 |
$6,370 |
$289,545 |
| Agriculture operations loans - <$1MM |
19 |
$452 |
$23,789 |
| Agriculture operations loans - <$100k |
18 |
$351 |
$19,500 |
| Agriculture operations loans - $100-250k |
1 |
$101 |
$101,000 |
