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, Nashville, and Scottsboro among others. We have data for 13 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 about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.54% 12/16/24
    30 Year Conventional Refi 6.50% 12/16/24
    30 Year Cash-out Refi 6.82% 12/16/24
    30 Year FHA Purchase 6.27% 12/16/24
    30 Year VA Purchase 6.02% 12/16/24
    30 Year USDA Purchase 6.68% 12/16/24
    15 Year Conventional Purchase 7.72% 12/16/24
    15 Year Conventional Refi 7.71% 12/16/24
    15 Year Cash-out Refi 7.71% 12/16/24
    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

    632

    Origination Dollar Volume (All Markets)

    $59,010,000

    Employee count

    283

    Awards

    Citizens Tri-County Bank 30 Year Conventional Loans bronze Citizens Tri-County Bank 30 Year Conventional Loans bronze
    Show all (2) 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
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 262 $26,900,000 $102,672 $1,303 6.48%
    Outside of Metro Areas 213 $14,485,000 $68,005 $1,071 7.49%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 85 $8,815,000 $103,706 $1,621 6.64%
    McMinnville, TN (FHA|USDA|VA) 45 $4,375,000 $97,222 $1,253 7.54%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $2,250,000 $187,500 $2,460 6.20%
    Scottsboro, AL (FHA|USDA|VA) 3 $825,000 $275,000 $1,076 7.00%
    Cookeville, TN (FHA|USDA|VA) 3 $605,000 $201,667 $2,277 4.49%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $220,000 $110,000 $639 5.25%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $200,000 $100,000 $1,039 6.95%
    Dayton, TN (FHA|USDA|VA) 2 $170,000 $85,000 $506 7.63%
    Sevierville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.05%
    Albertville, AL (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.05%
    Crossville, TN (FHA|USDA|VA) 1 $35,000 $35,000 $837 7.70%
    Citizens Tri-county Bank's top markets include Chattanooga, Tullahoma, Mcminnville, Nashville, and Scottsboro among others.

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

    Trust Federal Credit Union
    Similarity Rank: 146
    ASCEND FEDERAL CREDIT UNION
    Similarity Rank: 336
    Citizens Tri-County Bank
    Similarity Rank: 741
    TENNESSEE VALLEY
    Similarity Rank: 928
    The First National Bank of Middle Tennessee
    Similarity Rank: 1088
    CU COMMUNITY, LLC
    Similarity Rank: 1125
    First Citizens National Bank
    Similarity Rank: 1316
    Reliant Bank
    Similarity Rank: 2024
    Independent Bank
    Similarity Rank: 2231
    CLEARPATH LENDING
    Similarity Rank: 2730

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 632 $59,010,000 $93,370 $1,271 6.91%

    For 2019, Citizens Tri-county Bank's most frequently originated type of loan was Conventional, with 632 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 218 $24,160,000 $110,826 $1,460 6.80%
    Refi 174 $15,960,000 $91,724 $1,085 6.87%
    Cash Out Refi 165 $16,065,000 $97,364 $1,400 6.73%
    Other 42 $1,610,000 $38,333 $982 7.98%
    Home Improvement 33 $1,215,000 $36,818 $939 7.33%

    For 2019, Citizens Tri-county Bank's most frequently cited loan purpose was Home Purchase, with 218 originations. The 2nd most popular reason was Refi, with 174 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 226 $21,110,000 $93,407 $1,193 7.16%
    10 Year 115 $5,815,000 $50,565 $1,009 7.36%
    20 Year 100 $13,550,000 $135,500 $1,309 6.80%
    Other 94 $7,030,000 $74,787 $897 6.91%
    30 Year 42 $8,750,000 $208,333 $3,078 4.26%
    5 Year 42 $1,090,000 $25,952 $819 7.40%
    1 Year 11 $1,625,000 $147,727 $1,164 5.73%
    3 Year 2 $40,000 $20,000 $689 8.40%

    For 2019, Citizens Tri-county Bank's most frequently cited loan duration was 15 Year, with 226 originations. The 2nd most popular length was 10 Year, with 115 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 462 $38,610,000 $83,571
    $1k-2k 7 $1,465,000 $209,286
    $2k-3k 6 $1,490,000 $248,333
    $3k-4k 3 $735,000 $245,000
    $5k+ 1 $275,000 $275,000

    Citizens Tri-county Bank's average total fees were $3,078, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 462 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 168 $9,940,000 $59,167
    5-6% 147 $16,195,000 $110,170
    6-7% 121 $9,365,000 $77,397
    7-8% 115 $7,195,000 $62,565
    4-5% 44 $8,800,000 $200,000
    3-4% 37 $7,515,000 $203,108

    During 2019, Citizens Tri-county Bank's average interest rate for loans was 4.26%, while their most frequently originated rate bucket for loans was Over 8%, with 168 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 451 $21,425,000 $47,506 $1,022 7.32%
    $100k-200k 118 $16,550,000 $140,254 $1,591 6.25%
    $200k-400k 49 $12,505,000 $255,204 $2,365 5.21%
    $400k-600k 10 $4,690,000 $469,000 $2,539 5.08%
    $600k-1MM 3 $2,575,000 $858,333 $0 5.48%
    $1MM+ 1 $1,265,000 $1,265,000 $0 4.95%

    2019 saw Citizens Tri-county Bank place emphasis on $100,000 or less loans with 451 originations, totaling $21,425,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 233 $11,755,000 $50,451 $1,115 7.49%
    $50k-75k 132 $11,190,000 $84,773 $1,260 6.85%
    $75k-100k 78 $8,190,000 $105,000 $1,403 7.01%
    $100k-150k 62 $8,340,000 $134,516 $1,760 6.45%
    $150k-250k 50 $5,710,000 $114,200 $1,347 6.29%
    $250k+ 50 $7,330,000 $146,600 $1,384 6.07%

    Citizens Tri-county Bank lent most frequently to those with incomes in the $50k or less range, with 233 originations. The second most popular income band? $50k-75k, with 132 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 143 $12,435,000 $86,958 $1,142 7.11%
    <20% 120 $9,140,000 $76,167 $1,262 6.85%
    30-36% 102 $8,780,000 $86,078 $1,259 6.76%
    50-60% 33 $2,605,000 $78,939 $1,062 7.24%
    >60% 31 $2,795,000 $90,161 $1,256 6.75%
    40% 24 $2,480,000 $103,333 $1,817 6.58%
    36% 23 $1,565,000 $68,043 $1,240 7.42%
    43% 22 $1,660,000 $75,455 $1,018 7.39%
    38% 16 $1,710,000 $106,875 $1,778 6.50%
    37% 14 $1,190,000 $85,000 $960 6.88%
    45% 12 $1,050,000 $87,500 $1,464 6.97%
    46% 12 $1,360,000 $113,333 $1,287 7.13%
    41% 11 $1,165,000 $105,909 $1,885 6.55%
    42% 9 $715,000 $79,444 $1,170 7.71%
    39% 8 $930,000 $116,250 $915 6.71%
    47% 8 $880,000 $110,000 $1,108 7.21%
    48% 8 $1,190,000 $148,750 $1,303 6.56%
    49% 7 $905,000 $129,286 $1,273 7.85%
    44% 6 $730,000 $121,667 $3,418 6.22%

    Citizens Tri-county Bank lent most frequently to those with DTI ratios of 20-30%, with 143 originations. The next most common DTI ratio? <20%, with 120 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 550 $49,420,000 $89,855 $1,266 6.96%
    Not provided 46 $4,840,000 $105,217 $1,272 6.99%
    Not applicable 20 $3,100,000 $155,000 $1,632 5.51%
    Black 11 $975,000 $88,636 $1,461 7.08%
    Other Asian 1 $235,000 $235,000 $1,556 4.75%
    Native Hawaiian or Islander 1 $205,000 $205,000 $501 5.00%
    Asian Indian 2 $200,000 $100,000 $1,706 6.13%
    American Indian 1 $35,000 $35,000 $0 6.60%

    Approval Rates

    Total approvals of all applications
    88.47%

    Citizens Tri-county Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.22%

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

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $35,000 $35,000
    150.0 1 $5,000 $5,000
    400.0 1 $45,000 $45,000
    NA 629 $58,925,000 $93,680

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $245,000 $245,000
    Multifamily:Site-Built 6 $3,610,000 $601,667
    Single Family (1-4 Units):Manufactured 178 $8,420,000 $47,303
    Single Family (1-4 Units):Site-Built 447 $46,735,000 $104,553

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 105 $5,865,000 $55,857 $970 7.08%
    40-60% 121 $9,675,000 $79,959 $1,272 6.78%
    60-80% 201 $22,565,000 $112,264 $1,518 6.77%
    80-100% 153 $18,745,000 $122,516 $1,360 6.85%
    Over 100% 7 $925,000 $132,143 $989 6.82%
    Under 20% 45 $1,235,000 $27,444 $884 7.66%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 10 4.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 6 2.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 20 8.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 81 34.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Incorrect information on your report 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 13 5.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 11 4.7%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 9 3.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 8 3.4%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 52 22.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 3 1.3%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 2 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Tri-County Bank 101 West Main Street Mcminnville, TN 37110 Full Service B&M $48,782
    Citizens Tri-County Bank 105 Front Street South Cowan, TN 37318 Full Service B&M $5,746
    Citizens Tri-County Bank 1100 New Smithville Hwy, Suite 700 Mcminnville, TN 37110 Full Service B&M $11,557
    Citizens Tri-County Bank 1306 Taft Highway Signal Mountain, TN 37377 Full Service B&M $36,847
    Citizens Tri-County Bank 14087 Highway 28 North Whitwell, TN 37397 Full Service B&M $38,296
    Citizens Tri-County Bank 1548 Main Street Altamont, TN 37301 Full Service B&M $55,114
    Citizens Tri-County Bank 15699 Rankin Avenue Dunlap, TN 37327 Full Service B&M $157,411
    Citizens Tri-County Bank 201 N Jackson St Tullahoma, TN 37388 Full Service B&M $85,871
    Citizens Tri-County Bank 2030 Decherd Boulevard Decherd, TN 37324 Full Service B&M $51,184
    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 $48,806
    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 $31,674
    Citizens Tri-County Bank 416 Railroad Avenue Tracy City, TN 37387 Full Service B&M $11,090
    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 $56,785
    Citizens Tri-County Bank 489 Spring Street Spencer, TN 38585 Full Service B&M $41,620
    Citizens Tri-County Bank 501 West Lincoln Street Tullahoma, TN 37388 Full Service B&M $1,175
    Citizens Tri-County Bank 5248 Manchester Highway Morrison, TN 37357 Full Service B&M $14,448
    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 $19,575
    Citizens Tri-County Bank 80 East Main Street Monteagle, TN 37356 Full Service B&M $24,428
    Citizens Tri-County Bank 8575 Dayton Pike Soddy Daisy, TN 37379 Full Service B&M $32,738
    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 $30,739
    Citizens Tri-County Bank State Highway 28 And Us Highway 127, 7312 Sr28 Dunlap, TN 37327 Limited, Drive-thru $0

    For 2019, Citizens Tri-county Bank had 26 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $43,270
    Net interest income $34,122
    Total noninterest income $8,922
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,762
    Trading account gains and fees $0
    Additional Noninterest Income $4,160
    Pre-tax net operating income $16,812
    Securities gains (or losses, -) $-7
    Income before extraordinary items $16,366
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $16,366
    Minority interest net income $0
    Net income $16,366
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $16,372

    Citizens Tri-county Bank's gross interest income from loans was $43,270,000.
    Citizens Tri-county Bank's net interest income from loans was $34,122,000.
    Citizens Tri-county Bank's fee based income from loans was $4,762,000.
    Citizens Tri-county Bank's net income from loans was $16,366,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,148
    Provision for credit losses $1,353
    Total noninterest expense $24,879
    Salaries and employee benefits $15,130
    Premises and equipment expense $3,185
    Additional noninterest expense $6,564
    Applicable income taxes $439
    Net charge-offs $959
    Cash dividends $22,000

    Citizens Tri-county Bank's interest expense for loans was $9,148,000.
    Citizens Tri-county Bank's payroll and benefits expense were $15,130,000.
    Citizens Tri-county Bank's property, plant and equipment expenses $3,185,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 3.0%
    HELOC loans 0.0%
    All other family 3.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 2.5%
    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 $828,691
    Deposits held in domestic offices $828,691
    Deposits by Individuals, partnerships, and corporations $701,112
    Deposits by U.S. Government $10
    Deposits by States and political subdivisions in the U.S. $127,569
    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 $327,307
    Demand deposits $170,302
    Nontransaction accounts $501,384
    Money market deposit accounts (MMDAs) $56,616
    Other savings deposits (excluding MMDAs) $137,124
    Total time deposits $307,644
    Total time and savings deposits $658,389
    Noninterest-bearing deposits $168,217
    Interest-bearing deposits $660,474
    Retail deposits $751,716
    IRAs and Keogh plan accounts $54,734
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $927,615
    Cash & Balances due from depository institutions $110,385
    Interest-bearing balances $67,268
    Total securities $204,240
    Federal funds sold & reverse repurchase $0
    Net loans and leases $565,296
    Loan and leases loss allowance $8,776
    Trading account assets $0
    Bank premises and fixed assets $14,779
    Other real estate owned $1,593
    Goodwill and other intangibles $5,940
    All other assets $25,382

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $927,615
    Total Liabilities $835,790
    Total deposits $828,691
    Interest-bearing deposits $660,474
    Deposits held in domestic offices $828,691
    % insured (estimated) $79
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $7,099

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $565,296
    Loan and leases loss allowance $8,776
    Total loans and leases (domestic) $574,072
    All real estate loans $446,181
    Real estate loans in domestic offices $446,181
    Construction and development loans $105,710
    Residential 1-4 family construction $42,487
    Other construction, all land development and other land $63,223
    Loans secured by nonfarm nonresidential properties $105,017
    Nonfarm nonresidential secured by owner-occupied properties $18,454
    Commercial real estate & other non-farm, non-residential $86,563
    Multifamily residential real estate $2,366
    1-4 family residential loans $216,706
    Farmland loans $16,382
    Loans held in foreign offices $0
    Farm loans $481
    Commercial and industrial loans $19,539
    To non-U.S. addressees $0
    Loans to individuals $94,491
    Credit card loans $734
    Related Plans $0
    Consumer Auto Loans $17,690
    Other loans to individuals $76,067
    All other loans & leases $13,380
    Loans to foreign governments and official institutions $0
    Other loans $1,269
    Loans to depository institutions and acceptances of other banks $7,000
    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 $565,296,000 of loans outstanding in 2019. $446,181,000 of loans were in real estate loans. $105,710,000 of loans were in development loans. $2,366,000 of loans were in multifamily mortgage loans. $216,706,000 of loans were in 1-4 family mortgage loans. $481,000 of loans were in farm loans. $734,000 of loans were in credit card loans. $17,690,000 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 386 $61,458 $159,218
    Nonfarm, nonresidential loans - <$100k 157 $6,382 $40,650
    Nonfarm, nonresidential loans - $100-250k 129 $17,234 $133,597
    Nonfarm, nonresidential loans - $250k-1MM 100 $37,842 $378,420
    Commercial & Industrial, US addressed loans - <$1MM 858 $8,937 $10,416
    Commercial & Industrial, US addressed loans - <$100k 781 $3,190 $4,085
    Commercial & Industrial, US addressed loans - $100-250k 48 $1,855 $38,646
    Commercial & Industrial, US addressed loans - $250k-1MM 29 $3,892 $134,207
    Farmland loans - <$1MM 158 $12,243 $77,487
    Farmland loans - <$100k 113 $4,353 $38,522
    Farmland loans - $100-250k 34 $4,969 $146,147
    Farmland loans - $250k-1MM 11 $2,921 $265,545
    Agriculture operations loans - <$1MM 27 $481 $17,815
    Agriculture operations loans - <$100k 26 $406 $15,615
    Agriculture operations loans - $100-250k 1 $75 $75,000