Citizens Tri-county Bank Mortgage Rates, Fees & Info

Dunlap, TN

LEI: 549300RUFHC5ZQDL8J10

Tax ID: 62-0875633

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 Tri-county Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Citizens Tri-county Bank has a high proportion of conventional loans. Their top markets by origination volume include: Chattanooga, Tullahoma, Mcminnville, Scottsboro, and Dayton among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Tri-county Bank 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. Citizens Tri-county Bank 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 relatively high 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 6.54% 4/21/24
    30 Year Conventional Refi 6.50% 4/21/24
    30 Year Cash-out Refi 6.82% 4/21/24
    30 Year FHA Purchase 6.27% 4/21/24
    30 Year VA Purchase 6.02% 4/21/24
    30 Year USDA Purchase 6.68% 4/21/24
    15 Year Conventional Purchase 7.72% 4/21/24
    15 Year Conventional Refi 7.71% 4/21/24
    15 Year Cash-out Refi 7.71% 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 Tri-county Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Citizens Tri-county Bank. 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

    736

    Origination Dollar Volume (All Markets)

    $55,700,000

    Employee count

    277

    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
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 294 $26,230,000 $89,218 $1,056 6.19%
    Outside of Metro Areas 279 $15,895,000 $56,971 $969 7.15%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 94 $7,870,000 $83,723 $1,137 6.98%
    McMinnville, TN (FHA|USDA|VA) 44 $2,700,000 $61,364 $1,050 7.00%
    Scottsboro, AL (FHA|USDA|VA) 8 $730,000 $91,250 $1,087 6.35%
    Dayton, TN (FHA|USDA|VA) 5 $675,000 $135,000 $1,060 5.67%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $615,000 $123,000 $1,337 6.25%
    Shelbyville, TN (FHA|USDA|VA) 3 $335,000 $111,667 $881 7.08%
    CLEVELAND, TN (FHA|USDA|VA) 1 $265,000 $265,000 $2,499 5.15%
    Lewisburg, TN (FHA|USDA|VA) 1 $175,000 $175,000 $1,631 6.00%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $105,000 $105,000 $1,784 7.70%
    Cookeville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $1,139 7.15%
    Citizens Tri-county Bank's top markets include Chattanooga, Tullahoma, Mcminnville, Scottsboro, and Dayton among others.

    Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)

    • Similar Lenders

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

    Chattanooga Federal Emp. Credit Union
    Similarity Rank: 12
    TENNESSEE VALLEY
    Similarity Rank: 666
    ACOPIA, LLC
    Similarity Rank: 752
    The First National Bank of Middle Tennessee
    Similarity Rank: 800
    CU COMMUNITY, LLC
    Similarity Rank: 1116
    SmartBank
    Similarity Rank: 1147
    Independent Bank
    Similarity Rank: 1539
    First Citizens National Bank
    Similarity Rank: 2016
    BancorpSouth
    Similarity Rank: 2196
    COMMUNITY MORTGAGE CORPORATION
    Similarity Rank: 2232

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 736 $55,700,000 $75,679 $1,033 6.71%

    For 2018, Citizens Tri-county Bank's most frequently originated type of loan was Conventional, with 736 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 273 $25,725,000 $94,231 $1,288 6.49%
    Refi 238 $14,550,000 $61,134 $811 6.57%
    Cash Out Refi 143 $11,605,000 $81,154 $985 7.19%
    Home Improvement 43 $2,105,000 $48,953 $1,026 6.98%
    Other 39 $1,715,000 $43,974 $1,020 7.07%

    For 2018, Citizens Tri-county Bank's most frequently cited loan purpose was Home Purchase, with 273 originations. The 2nd most popular reason was Refi, with 238 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 236 $16,730,000 $70,890 $1,132 6.89%
    Other 174 $11,500,000 $66,092 $859 6.88%
    20 Year 139 $17,415,000 $125,288 $1,199 6.07%
    10 Year 120 $5,990,000 $49,917 $1,000 6.98%
    5 Year 49 $1,155,000 $23,571 $853 6.71%
    1 Year 12 $1,800,000 $150,000 $883 5.83%
    30 Year 3 $845,000 $281,667 $1,799 5.90%
    3 Year 3 $265,000 $88,333 $714 5.40%

    For 2018, Citizens Tri-county Bank's most frequently cited loan duration was 15 Year, with 236 originations. The 2nd most popular length was Other, with 174 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 555 $36,675,000 $66,081

    Citizens Tri-county Bank's average total fees were $1,799, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 555 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 187 $16,435,000 $87,888
    7-8% 154 $8,850,000 $57,468
    Over 8% 142 $6,370,000 $44,859
    6-7% 135 $10,395,000 $77,000
    4-5% 118 $13,650,000 $115,678

    During 2018, Citizens Tri-county Bank's average interest rate for loans was 5.90%, while their most frequently originated rate bucket for loans was 5-6%, with 187 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 578 $26,000,000 $44,983 $996 6.90%
    $100k-200k 122 $16,660,000 $136,557 $1,160 6.10%
    $200k-400k 25 $6,765,000 $270,600 $1,304 5.93%
    $400k-600k 8 $3,890,000 $486,250 $1,455 5.34%
    $600k-1MM 2 $1,360,000 $680,000 $0 6.20%
    $1MM+ 1 $1,025,000 $1,025,000 $0 4.99%

    2018 saw Citizens Tri-county Bank place emphasis on $100,000 or less loans with 578 originations, totaling $26,000,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 307 $12,965,000 $42,231 $977 7.08%
    $50k-75k 139 $9,545,000 $68,669 $1,119 6.98%
    $75k-100k 73 $6,055,000 $82,945 $977 6.88%
    $100k-150k 62 $5,640,000 $90,968 $1,132 6.69%
    $150k-250k 54 $6,750,000 $125,000 $1,217 6.11%
    $250k+ 38 $6,300,000 $165,789 $1,095 5.78%

    Citizens Tri-county Bank lent most frequently to those with incomes in the $50k or less range, with 307 originations. The second most popular income band? $50k-75k, with 139 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 166 $11,230,000 $67,651 $1,013 6.94%
    30-36% 116 $7,250,000 $62,500 $1,048 6.79%
    <20% 108 $7,690,000 $71,204 $1,089 6.91%
    50-60% 48 $3,650,000 $76,042 $967 6.61%
    >60% 43 $3,515,000 $81,744 $942 6.81%
    39% 27 $2,385,000 $88,333 $954 6.62%
    38% 24 $1,160,000 $48,333 $1,086 6.90%
    43% 18 $2,240,000 $124,444 $1,133 6.64%
    40% 18 $1,110,000 $61,667 $1,124 6.51%
    37% 17 $1,495,000 $87,941 $1,097 6.77%
    42% 14 $820,000 $58,571 $863 6.85%
    44% 13 $1,015,000 $78,077 $974 6.73%
    47% 13 $645,000 $49,615 $1,024 6.96%
    41% 12 $880,000 $73,333 $1,243 6.25%
    36% 10 $630,000 $63,000 $1,083 7.01%
    48% 8 $740,000 $92,500 $1,046 8.38%
    45% 7 $335,000 $47,857 $1,136 7.79%
    49% 6 $410,000 $68,333 $1,339 6.48%
    46% 6 $250,000 $41,667 $979 7.44%

    Citizens Tri-county Bank lent most frequently to those with DTI ratios of 20-30%, with 166 originations. The next most common DTI ratio? 30-36%, with 116 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 633 $44,695,000 $70,608 $1,032 6.86%
    Not applicable 58 $7,150,000 $123,276 $0 5.13%
    Not provided 25 $2,185,000 $87,400 $1,044 6.59%
    Black 10 $660,000 $66,000 $918 6.95%
    Asian 3 $395,000 $131,667 $1,784 6.37%
    American Indian 4 $360,000 $90,000 $701 6.40%
    Native Hawaiian or Islander 2 $210,000 $105,000 $1,076 5.48%
    Asian Indian 1 $45,000 $45,000 $0 5.50%

    Approval Rates

    Total approvals of all applications
    88.75%

    Citizens Tri-county Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.85%

    Citizens Tri-county Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    154.0 1 $15,000 $15,000
    404.0 2 $40,000 $20,000
    416.0 1 $35,000 $35,000
    79.0 1 $15,000 $15,000
    NA 731 $55,595,000 $76,053

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $970,000 $485,000
    Multifamily:Site-Built 13 $3,235,000 $248,846
    Single Family (1-4 Units):Manufactured 193 $8,095,000 $41,943
    Single Family (1-4 Units):Site-Built 528 $43,400,000 $82,197

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 140 $6,810,000 $48,643 $911 6.66%
    40-60% 138 $8,200,000 $59,420 $949 6.65%
    60-80% 219 $19,855,000 $90,662 $1,122 6.88%
    80-100% 178 $18,670,000 $104,888 $1,167 6.54%
    Over 100% 13 $715,000 $55,000 $1,081 7.35%
    Under 20% 48 $1,450,000 $30,208 $869 6.73%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 5 2.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 16 9.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 36 21.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 8 4.7%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 7 4.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 41 24.0%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 4 2.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 15 8.8%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 1 0.6%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Tri-County Bank 3468 Main St. Pikeville, TN 37367 Full Service B&M $44,229
    Citizens Tri-County Bank 101 West Main Street Mcminnville, TN 37110 Full Service B&M $41,715
    Citizens Tri-County Bank 105 Front Street South Cowan, TN 37318 Full Service B&M $5,926
    Citizens Tri-County Bank 1100 New Smithville Hwy, Suite 700 Mcminnville, TN 37110 Full Service B&M $12,669
    Citizens Tri-County Bank 1306 Taft Highway Signal Mountain, TN 37377 Full Service B&M $33,740
    Citizens Tri-County Bank 14087 Highway 28 North Whitwell, TN 37397 Full Service B&M $36,790
    Citizens Tri-County Bank 1548 Main Street Altamont, TN 37301 Full Service B&M $53,168
    Citizens Tri-County Bank 15699 Rankin Avenue Dunlap, TN 37327 Full Service B&M $137,254
    Citizens Tri-County Bank 201 N Jackson St Tullahoma, TN 37388 Full Service B&M $82,755
    Citizens Tri-County Bank 2030 Decherd Boulevard Decherd, TN 37324 Full Service B&M $46,559
    Citizens Tri-County Bank 25709 State Route 56 Coalmont, TN 37313 Limited, Drive-thru $0
    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 $29,742
    Citizens Tri-County Bank 416 Railroad Avenue Tracy City, TN 37387 Full Service B&M $10,236
    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 $55,125
    Citizens Tri-County Bank 489 Spring Street Spencer, TN 38585 Full Service B&M $43,096
    Citizens Tri-County Bank 501 West Lincoln Street Tullahoma, TN 37388 Full Service B&M $1,294
    Citizens Tri-County Bank 5248 Manchester Highway Morrison, TN 37357 Full Service B&M $15,143
    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 $18,789
    Citizens Tri-County Bank 80 East Main Street Monteagle, TN 37356 Full Service B&M $20,963
    Citizens Tri-County Bank 8575 Dayton Pike Soddy Daisy, TN 37379 Full Service B&M $30,376
    Citizens Tri-County Bank 900 Beersheba Highway Mc Minnville, TN 37110 Limited, Drive-thru $0
    Citizens Tri-County Bank Oak And Colyar Streets Tracy City, TN 37387 Full Service B&M $29,790
    Citizens Tri-County Bank State Highway 28 And Us Highway 127 Dunlap, TN 37327 Limited, Drive-thru $0

    For 2018, Citizens Tri-county Bank had 26 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $39,020
    Net interest income $33,105
    Total noninterest income $6,982
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,837
    Trading account gains and fees $0
    Additional Noninterest Income $2,145
    Pre-tax net operating income $15,785
    Securities gains (or losses, -) $74
    Income before extraordinary items $15,087
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,087
    Minority interest net income $0
    Net income $15,087
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,016

    Citizens Tri-county Bank's gross interest income from loans was $39,020,000.
    Citizens Tri-county Bank's net interest income from loans was $33,105,000.
    Citizens Tri-county Bank's fee based income from loans was $4,837,000.
    Citizens Tri-county Bank's net income from loans was $15,087,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,915
    Provision for credit losses $1,850
    Total noninterest expense $22,452
    Salaries and employee benefits $13,848
    Premises and equipment expense $2,632
    Additional noninterest expense $5,972
    Applicable income taxes $772
    Net charge-offs $788
    Cash dividends $1,000

    Citizens Tri-county Bank's interest expense for loans was $5,915,000.
    Citizens Tri-county Bank's payroll and benefits expense were $13,848,000.
    Citizens Tri-county Bank's property, plant and equipment expenses $2,632,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 2.0%
    HELOC loans 0.0%
    All other family 2.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 5.6%
    Other individual loans 0.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $753,648
    Deposits held in domestic offices $753,648
    Deposits by Individuals, partnerships, and corporations $632,998
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $120,403
    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 $305,174
    Demand deposits $152,661
    Nontransaction accounts $448,474
    Money market deposit accounts (MMDAs) $44,267
    Other savings deposits (excluding MMDAs) $125,997
    Total time deposits $278,210
    Total time and savings deposits $600,987
    Noninterest-bearing deposits $153,546
    Interest-bearing deposits $600,102
    Retail deposits $691,298
    IRAs and Keogh plan accounts $54,261
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $854,314
    Cash & Balances due from depository institutions $58,174
    Interest-bearing balances $6,815
    Total securities $206,217
    Federal funds sold & reverse repurchase $0
    Net loans and leases $546,041
    Loan and leases loss allowance $8,382
    Trading account assets $0
    Bank premises and fixed assets $13,720
    Other real estate owned $432
    Goodwill and other intangibles $6,104
    All other assets $23,626

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $854,314
    Total Liabilities $759,968
    Total deposits $753,648
    Interest-bearing deposits $600,102
    Deposits held in domestic offices $753,648
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $6,320

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $546,041
    Loan and leases loss allowance $8,382
    Total loans and leases (domestic) $554,423
    All real estate loans $425,606
    Real estate loans in domestic offices $425,606
    Construction and development loans $90,361
    Residential 1-4 family construction $28,539
    Other construction, all land development and other land $61,822
    Loans secured by nonfarm nonresidential properties $94,048
    Nonfarm nonresidential secured by owner-occupied properties $7,526
    Commercial real estate & other non-farm, non-residential $86,522
    Multifamily residential real estate $4,345
    1-4 family residential loans $222,224
    Farmland loans $14,628
    Loans held in foreign offices $0
    Farm loans $1,371
    Commercial and industrial loans $24,449
    To non-U.S. addressees $0
    Loans to individuals $89,780
    Credit card loans $678
    Related Plans $0
    Consumer Auto Loans $14,166
    Other loans to individuals $74,936
    All other loans & leases $13,217
    Loans to foreign governments and official institutions $0
    Other loans $702
    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

    Citizens Tri-County Bank had $546,041,000 of loans outstanding in 2018. $425,606,000 of loans were in real estate loans. $90,361,000 of loans were in development loans. $4,345,000 of loans were in multifamily mortgage loans. $222,224,000 of loans were in 1-4 family mortgage loans. $1,371,000 of loans were in farm loans. $678,000 of loans were in credit card loans. $14,166,000 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 365 $59,302 $162,471
    Nonfarm, nonresidential loans - <$100k 169 $7,064 $41,799
    Nonfarm, nonresidential loans - $100-250k 117 $16,642 $142,239
    Nonfarm, nonresidential loans - $250k-1MM 79 $35,596 $450,582
    Commercial & Industrial, US addressed loans - <$1MM 223 $14,768 $66,224
    Commercial & Industrial, US addressed loans - <$100k 196 $8,441 $43,066
    Commercial & Industrial, US addressed loans - $100-250k 13 $1,741 $133,923
    Commercial & Industrial, US addressed loans - $250k-1MM 14 $4,586 $327,571
    Farmland loans - <$1MM 128 $11,702 $91,422
    Farmland loans - <$100k 91 $4,033 $44,319
    Farmland loans - $100-250k 25 $3,927 $157,080
    Farmland loans - $250k-1MM 12 $3,742 $311,833
    Agriculture operations loans - <$1MM 23 $728 $31,652
    Agriculture operations loans - <$100k 22 $588 $26,727
    Agriculture operations loans - $100-250k 1 $140 $140,000