The City National Bank And Trust Company Of Lawton Mortgage Rates, Fees & Info
Lawton, OKLEI: 549300RYQVJMZ3X21K04
Tax ID: 73-0185627
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Mortgage Data
Bank Data
Review & Overview
The City National Bank And Trust Company Of Lawton is a smaller bank specializing in Home Purchase and Refi loans. The City National Bank And Trust Company Of Lawton has a high proportion of conventional loans. Their top markets by origination volume include: Lawton, Oklahoma City, Tulsa, Ponca City, and Wichita among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)The City National Bank And Trust Company Of Lawton 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.
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Originations
51Origination Dollar Volume (All Markets)
$12,035,000Employee count
418Top 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 |
|---|---|---|---|---|---|
| LAWTON, OK (FHA|USDA|VA) | 32 | $6,380,000 | $199,375 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 9 | $3,265,000 | $362,778 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 5 | $1,645,000 | $329,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $440,000 | $220,000 | $0 | 0.00% |
| Ponca City, OK (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 0.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 51 | $12,035,000 | $235,980 | $0 | 0.00% |
For 2019, The City National Bank And Trust Company Of Lawton's most frequently originated type of loan was Conventional, with 51 originations.
Loan Reason
For 2019, The City National Bank And Trust Company Of Lawton's most frequently cited loan purpose was Home Purchase, with 30 originations. The 2nd most popular reason was Refi, with 12 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 51 | $12,035,000 | $235,980 | $0 | 0.00% |
For 2019, The City National Bank And Trust Company Of Lawton's most frequently cited loan duration was Other, with 51 originations.
Loan Sizing
2019 saw The City National Bank And Trust Company Of Lawton place emphasis on $100k-200k loans with 20 originations, totaling $2,880,000 in origination value.
Applicant Income
The City National Bank And Trust Company Of Lawton lent most frequently to those with incomes in the $150k-250k range, with 10 originations. The second most popular income band? $250k+, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 51 | $12,035,000 | $235,980 | $0 | 0.00% |
The City National Bank And Trust Company Of Lawton lent most frequently to those with DTI ratios of Exempt%, with 51 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications74.71%
The City National Bank And Trust Company Of Lawton has a below average approval rate.
Pick Rate
Approvals leading to origination72.55%
The City National Bank And Trust Company Of Lawton has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 51 | $12,035,000 | $235,980 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 3 | $1,435,000 | $478,333 |
| Single Family (1-4 Units):Site-Built | 48 | $10,600,000 | $220,833 |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The City National Bank and Trust Company of Lawton, Oklahoma | 100 E I-240 Svc Rd Oklahoma City, OK 73149 | Full Service Retail | $3,097 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 1002 Northwest Sheridan Road Lawton, OK 73505 | Full Service Retail | $6,887 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 10938 South Memorial Drive Tulsa, OK 74133 | Full Service Retail | $1,216 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 1101 East Prospect Ponca City, OK 74601 | Full Service Retail | $3,086 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 11411 E Kellogg Drive Wichita, KS 67207 | Full Service Retail | $615 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 12200 South Waco Avenue Sapulpa, OK 74066 | Full Service Retail | $2,064 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 1225 W I-35 Frontage Rd Edmond, OK 73013 | Full Service Retail | $2,033 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 13801 N May Ave Oklahoma City, OK 73134 | Full Service B&M | $754 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 1500 S.W. 59th Street Oklahoma City, OK 73119 | Full Service Retail | $1,442 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 1608 South Division Guthrie, OK 73044 | Full Service Retail | $1,401 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 1836 Nw 82nd Street Lawton, OK 73505 | Full Service B&M | $6,402 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 1845 N Hw 81 Duncan, OK 73533 | Full Service Retail | $2,451 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 196 E Shawnee Mall Dr Shawnee, OK 74804 | Full Service Retail | $1,370 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 2000 W Memorial Rd Oklahoma City, OK 73134 | Full Service Retail | $2,263 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 2001 South 1st Street Chickasha, OK 73018 | Full Service Retail | $2,215 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 207 South Memorial Drive Tulsa, OK 74112 | Full Service Retail | $366 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 2301 West Kenosha Street Broken Arrow, OK 74012 | Full Service B&M | $1,012 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 2400 S. Country Club Road El Reno, OK 73036 | Full Service Retail | $3,849 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 2415 N Main Street Miami, OK 74354 | Full Service Retail | $2,478 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 3030 N Rock Road Wichita, KS 67226 | Full Service Retail | $845 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 3116 S Garnett Rd Tulsa, OK 74146 | Full Service Retail | $2,502 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 333 N Interstate Drive Norman, OK 73069 | Full Service B&M | $223 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 3651 S. Classen Blvd. Norman, OK 73071 | Full Service B&M | $471 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 4000 Green Country Rd Bartlesville, OK 74006 | Full Service Retail | $1,193 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 4113 West Gore Boulevard Lawton, OK 73505 | Full Service B&M | $6,538 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 4420 South Western Avenue Oklahoma City, OK 73109 | Full Service Retail | $1,551 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 4510 South East Lee Boulevard Lawton, OK 73501 | Full Service Retail | $3,219 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 500-600 D Avenue Lawton, OK 73502 | Full Service B&M | $210,619 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 501 East Pawnee Street Wichita, KS 67211 | Full Service B&M | $587 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 5401 Tinker Diagonal Street Del City, OK 73115 | Full Service Retail | $2,415 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 5505 W Owen K Garriott Rd Enid, OK 73703 | Full Service Retail | $3,693 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 5801 East 41st Street Tulsa, OK 74135 | Full Service B&M | $2,985 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 6301 Nw Quannah Parker Trailway Lawton, OK 73505 | Full Service Retail | $3,416 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 6310 S. Elm Place Broken Arrow, OK 74011 | Full Service Retail | $1,621 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 6625 S Memorial Drive Tulsa, OK 74133 | Full Service Retail | $2,640 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 7319 South Western Avenue Oklahoma City, OK 73139 | Full Service B&M | $1,856 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 9011 Ne 23rd St Oklahoma City, OK 73140 | Full Service Retail | $1,087 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 9320 North Pennsylvania Avenue Oklahoma City, OK 73120 | Full Service Retail | $1,436 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 9411 S. Delaware Avenue Tulsa, OK 74137 | Full Service Retail | $1,143 |
| The City National Bank and Trust Company of Lawton, Oklahoma | 951 E State Hwy 152 Mustang, OK 73064 | Full Service Retail | $1,655 |
For 2019, The City National Bank And Trust Company Of Lawton had 40 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $13,348 |
| Net interest income | $12,360 |
| Total noninterest income | $34,168 |
| Gross Fiduciary activities income | $574 |
| Service charges on deposit accounts | $20,819 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $12,775 |
| Pre-tax net operating income | $7,116 |
| Securities gains (or losses, -) | $-12 |
| Income before extraordinary items | $7,104 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $7,104 |
| Minority interest net income | $0 |
| Net income | $7,104 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $7,116 |
The City National Bank And Trust Company Of Lawton's gross interest income from loans was $13,348,000.
The City National Bank And Trust Company Of Lawton's net interest income from loans was $12,360,000.
The City National Bank And Trust Company Of Lawton's fee based income from loans was $20,819,000.
The City National Bank And Trust Company Of Lawton's net income from loans was $7,104,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $988 |
| Provision for credit losses | $2,161 |
| Total noninterest expense | $37,251 |
| Salaries and employee benefits | $19,888 |
| Premises and equipment expense | $3,155 |
| Additional noninterest expense | $14,208 |
| Applicable income taxes | $0 |
| Net charge-offs | $2,139 |
| Cash dividends | $5,575 |
The City National Bank And Trust Company Of Lawton's interest expense for loans was $988,000.
The City National Bank And Trust Company Of Lawton's payroll and benefits expense were $19,888,000.
The City National Bank And Trust Company Of Lawton's property, plant and equipment expenses $3,155,000.
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 | 5.0% |
| Nonfarm, nonresidential loans | 0.0% |
| 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 | 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 | $284,152 |
| Deposits held in domestic offices | $284,152 |
| Deposits by Individuals, partnerships, and corporations | $282,396 |
| Deposits by U.S. Government | $18 |
| Deposits by States and political subdivisions in the U.S. | $400 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,338 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $145,197 |
| Demand deposits | $69,952 |
| Nontransaction accounts | $138,955 |
| Money market deposit accounts (MMDAs) | $56,037 |
| Other savings deposits (excluding MMDAs) | $59,560 |
| Total time deposits | $23,358 |
| Total time and savings deposits | $214,200 |
| Noninterest-bearing deposits | $69,952 |
| Interest-bearing deposits | $214,200 |
| Retail deposits | $279,379 |
| IRAs and Keogh plan accounts | $4,540 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $343,994 |
| Cash & Balances due from depository institutions | $33,271 |
| Interest-bearing balances | $14,463 |
| Total securities | $68,850 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $208,980 |
| Loan and leases loss allowance | $4,122 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $11,152 |
| Other real estate owned | $1,376 |
| Goodwill and other intangibles | $0 |
| All other assets | $20,365 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $343,994 |
| Total Liabilities | $295,628 |
| Total deposits | $284,152 |
| Interest-bearing deposits | $214,200 |
| Deposits held in domestic offices | $284,152 |
| % insured (estimated) | $66 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $1,973 |
| Subordinated debt | $0 |
| All other liabilities | $9,503 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $208,980 |
| Loan and leases loss allowance | $4,122 |
| Total loans and leases (domestic) | $213,102 |
| All real estate loans | $178,482 |
| Real estate loans in domestic offices | $178,482 |
| Construction and development loans | $9,256 |
| Residential 1-4 family construction | $4,057 |
| Other construction, all land development and other land | $5,199 |
| Loans secured by nonfarm nonresidential properties | $80,922 |
| Nonfarm nonresidential secured by owner-occupied properties | $23,177 |
| Commercial real estate & other non-farm, non-residential | $57,745 |
| Multifamily residential real estate | $10,023 |
| 1-4 family residential loans | $77,467 |
| Farmland loans | $814 |
| Loans held in foreign offices | $0 |
| Farm loans | $1,089 |
| Commercial and industrial loans | $11,007 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $11,307 |
| Credit card loans | $0 |
| Related Plans | $23 |
| Consumer Auto Loans | $4,775 |
| Other loans to individuals | $6,509 |
| All other loans & leases | $11,217 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $3,948 |
| 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 |
The City National Bank and Trust Company of Lawton had $208,980,000 of loans outstanding in 2019. $178,482,000 of loans were in real estate loans. $9,256,000 of loans were in development loans. $10,023,000 of loans were in multifamily mortgage loans. $77,467,000 of loans were in 1-4 family mortgage loans. $1,089,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,775,000 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 | 76 | $17,918 | $235,763 |
| Nonfarm, nonresidential loans - <$100k | 15 | $506 | $33,733 |
| Nonfarm, nonresidential loans - $100-250k | 27 | $3,380 | $125,185 |
| Nonfarm, nonresidential loans - $250k-1MM | 34 | $14,032 | $412,706 |
| Commercial & Industrial, US addressed loans - <$1MM | 160 | $7,540 | $47,125 |
| Commercial & Industrial, US addressed loans - <$100k | 134 | $2,620 | $19,552 |
| Commercial & Industrial, US addressed loans - $100-250k | 18 | $1,720 | $95,556 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 8 | $3,200 | $400,000 |
| Farmland loans - <$1MM | 5 | $284 | $56,800 |
| Farmland loans - <$100k | 4 | $118 | $29,500 |
| Farmland loans - $100-250k | 1 | $166 | $166,000 |
| Agriculture operations loans - <$1MM | 16 | $358 | $22,375 |
| Agriculture operations loans - <$100k | 15 | $269 | $17,933 |
| Agriculture operations loans - $100-250k | 1 | $89 | $89,000 |