First Citizens National Bank Mortgage Rates, Fees & Info

Dyersburg, TN

LEI: 549300RZFHIGIM84KN09

Tax ID: 62-0201100

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Bank Data

Review & Overview

First Citizens National Bank is a smaller bank specializing in Home Purchase and Refi loans. First Citizens National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Cleveland, Chattanooga, Dyersburg, Memphis, and Nashville among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Citizens National Bank 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. First Citizens National 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.69% 3/28/24
30 Year Conventional Refi 6.69% 3/28/24
30 Year Cash-out Refi 6.83% 3/28/24
30 Year FHA Purchase 7.11% 3/28/24
30 Year FHA Refi 6.27% 3/28/24
30 Year VA Purchase 6.21% 3/28/24
30 Year VA Refi 6.27% 3/28/24
30 Year USDA Purchase 6.68% 3/28/24
30 Year USDA Refi 6.55% 3/28/24
15 Year Conventional Purchase 6.84% 3/28/24
15 Year Conventional Refi 6.64% 3/28/24
15 Year Cash-out Refi 6.64% 3/28/24
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.

First Citizens National Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from First Citizens National 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

1,277

Origination Dollar Volume (All Markets)

$257,925,000

Employee count

301 Show all (21) 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
CLEVELAND, TN (FHA|USDA|VA) 352 $70,300,000 $199,716 $3,285 3.03%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 175 $44,535,000 $254,486 $2,981 3.35%
Dyersburg, TN (FHA|USDA|VA) 257 $38,675,000 $150,486 $2,988 3.38%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 146 $33,370,000 $228,562 $2,798 3.30%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 76 $25,410,000 $334,342 $3,393 3.25%
JACKSON, TN (FHA|USDA|VA) 40 $8,760,000 $219,000 $3,074 3.49%
Outside of Metro Areas 47 $8,385,000 $178,404 $2,988 3.58%
Union City, TN (FHA|USDA|VA) 77 $8,225,000 $106,818 $2,580 3.65%
Athens, TN (FHA|USDA|VA) 24 $3,750,000 $156,250 $3,974 3.03%
Martin, TN (FHA|USDA|VA) 22 $3,280,000 $149,091 $2,690 3.54%
KNOXVILLE, TN (FHA|USDA|VA) 8 $1,830,000 $228,750 $3,089 3.39%
Paris, TN (FHA|USDA|VA) 7 $1,175,000 $167,857 $2,545 3.65%
Dayton, TN (FHA|USDA|VA) 7 $835,000 $119,286 $3,766 3.64%
Tupelo, MS (FHA|USDA|VA) 2 $750,000 $375,000 $2,894 3.40%
DALTON, GA (FHA|USDA|VA) 3 $675,000 $225,000 $3,838 2.71%
Oxford, MS (FHA|USDA|VA) 2 $620,000 $310,000 $6,154 2.69%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $620,000 $310,000 $2,484 2.63%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $620,000 $310,000 $2,670 2.69%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $560,000 $280,000 $2,176 3.38%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $475,000 $475,000 $5,133 3.63%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $425,000 $425,000 $3,188 2.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $405,000 $405,000 $1,896 3.25%
Crossville, TN (FHA|USDA|VA) 1 $395,000 $395,000 $3,148 2.50%
Summerville, GA (FHA|USDA|VA) 1 $355,000 $355,000 $3,189 2.75%
Paducah, KY-IL (FHA|USDA|VA) 2 $350,000 $175,000 $3,539 3.25%
Brownsville, TN (FHA|USDA|VA) 2 $330,000 $165,000 $2,647 3.49%
Sevierville, TN (FHA|USDA|VA) 1 $295,000 $295,000 $0 5.00%
Lawrenceburg, TN (FHA|USDA|VA) 1 $295,000 $295,000 $2,811 3.25%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $275,000 $275,000 $3,756 2.75%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $205,000 $205,000 $2,437 3.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $205,000 $205,000 $2,153 2.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $2,064 2.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,567 2.63%
MORRISTOWN, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,112 3.63%
Fort Payne, AL (FHA|USDA|VA) 1 $175,000 $175,000 $7,854 3.50%
Mountain Home, AR (FHA|USDA|VA) 1 $165,000 $165,000 $1,967 2.88%
Cullowhee, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,067 2.63%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $125,000 $125,000 $1,716 2.50%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $120,000 $60,000 $0 3.99%
Corinth, MS (FHA|USDA|VA) 1 $115,000 $115,000 $2,705 2.63%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $95,000 $95,000 $2,276 3.13%
Murray, KY (FHA|USDA|VA) 1 $45,000 $45,000 $1,945 3.65%
First Citizens National Bank's top markets include Cleveland, Chattanooga, Dyersburg, Memphis, and Nashville among others.

Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,036 $216,990,000 $209,450 $2,513 3.32%
    USDA 112 $14,830,000 $132,411 $4,097 3.28%
    FHA 100 $18,380,000 $183,800 $6,091 3.01%
    VA 29 $7,725,000 $266,379 $4,339 2.82%

    For 2020, First Citizens National Bank's most frequently originated type of loan was Conventional, with 1,036 originations. Their 2nd most popular type was USDA, with 112 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 670 $132,980,000 $198,478 $3,658 3.37%
    Refi 443 $94,155,000 $212,540 $2,421 3.14%
    Cash Out Refi 125 $26,395,000 $211,160 $2,686 3.12%
    Home Improvement 32 $3,630,000 $113,438 $1,268 4.02%
    Other 7 $765,000 $109,286 $1,393 3.56%

    For 2020, First Citizens National Bank's most frequently cited loan purpose was Home Purchase, with 670 originations. The 2nd most popular reason was Refi, with 443 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 781 $164,645,000 $210,813 $3,400 3.11%
    15 Year 238 $38,840,000 $163,193 $2,350 3.26%
    1 Year 78 $19,310,000 $247,564 $0 4.00%
    Other 61 $12,785,000 $209,590 $2,175 3.92%
    20 Year 59 $17,045,000 $288,898 $2,531 3.41%
    10 Year 55 $4,885,000 $88,818 $1,765 3.85%
    5 Year 4 $360,000 $90,000 $1,776 4.04%
    3 Year 1 $55,000 $55,000 $0 4.00%

    For 2020, First Citizens National Bank's most frequently cited loan duration was 30 Year, with 781 originations. The 2nd most popular length was 15 Year, with 238 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 877 $178,695,000 $203,757
    $1k-2k 167 $32,015,000 $191,707
    $2k-3k 35 $9,555,000 $273,000
    $3k-4k 6 $1,660,000 $276,667
    $4k-5k 4 $1,310,000 $327,500
    $5k+ 1 $425,000 $425,000

    First Citizens National Bank's average total fees were $3,400, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 877 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 504 $100,200,000 $198,810
    2.5-3% 380 $80,510,000 $211,868
    <2.5% 205 $49,035,000 $239,195
    4-5% 154 $25,510,000 $165,649
    5-6% 32 $2,630,000 $82,188
    6-7% 2 $40,000 $20,000

    During 2020, First Citizens National Bank's average interest rate for loans was 3.11%, while their most frequently originated rate bucket for loans was 3-4%, with 504 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 514 $76,110,000 $148,074 $3,154 3.26%
    $200k-400k 432 $118,030,000 $273,218 $3,245 3.00%
    $100,000 or less 247 $15,895,000 $64,352 $2,219 3.81%
    $400k-600k 69 $32,585,000 $472,246 $3,610 3.16%
    $600k-1MM 11 $8,655,000 $786,818 $4,462 4.06%
    $1MM+ 4 $6,650,000 $1,662,500 $0 4.06%

    2020 saw First Citizens National Bank place emphasis on $100k-200k loans with 514 originations, totaling $76,110,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 311 $50,485,000 $162,331 $3,096 3.27%
    $50k or less 266 $32,550,000 $122,368 $3,241 3.40%
    $100k-150k 215 $48,585,000 $225,977 $2,793 3.16%
    $75k-100k 200 $40,840,000 $204,200 $3,256 3.19%
    $150k-250k 128 $36,940,000 $288,594 $3,108 3.13%
    $250k+ 57 $20,065,000 $352,018 $3,289 3.36%

    First Citizens National Bank lent most frequently to those with incomes in the $50k-75k range, with 311 originations. The second most popular income band? $50k or less, with 266 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 310 $61,340,000 $197,871 $2,737 3.08%
    30-36% 211 $41,905,000 $198,602 $3,047 3.23%
    <20% 151 $32,065,000 $212,351 $2,648 3.10%
    40% 56 $10,370,000 $185,179 $3,398 3.25%
    44% 48 $9,500,000 $197,917 $3,828 3.09%
    38% 42 $8,900,000 $211,905 $3,245 3.13%
    36% 41 $6,935,000 $169,146 $3,410 3.46%
    41% 39 $8,245,000 $211,410 $2,889 3.17%
    37% 39 $8,275,000 $212,179 $3,223 3.10%
    42% 38 $7,670,000 $201,842 $3,672 3.26%
    43% 34 $6,980,000 $205,294 $3,717 3.06%
    39% 29 $4,605,000 $158,793 $3,159 3.33%
    45% 25 $5,075,000 $203,000 $4,753 3.01%
    46% 20 $4,990,000 $249,500 $3,519 2.89%
    47% 14 $2,910,000 $207,857 $3,516 2.94%
    48% 14 $2,910,000 $207,857 $3,217 3.37%
    49% 13 $3,485,000 $268,077 $4,000 3.05%
    >60% 3 $635,000 $211,667 $1,854 4.36%
    50-60% 1 $165,000 $165,000 $652 3.96%

    First Citizens National Bank lent most frequently to those with DTI ratios of 20-30%, with 310 originations. The next most common DTI ratio? 30-36%, with 211 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,158 $224,360,000 $193,748 $3,071 3.24%
    Not applicable 43 $16,805,000 $390,814 $0 4.39%
    Black 36 $6,500,000 $180,556 $3,248 3.43%
    Asian 24 $6,260,000 $260,833 $3,299 3.02%
    Not provided 14 $3,420,000 $244,286 $2,785 3.24%
    Other Asian 1 $445,000 $445,000 $3,725 3.00%
    Native Hawaiian or Islander 1 $135,000 $135,000 $5,469 3.50%

    Approval Rates

    Total approvals of all applications
    92.14%

    First Citizens National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.47%

    First Citizens National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $365,000 $365,000
    NA 1,276 $257,560,000 $201,850

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $380,000 $190,000
    Multifamily:Site-Built 19 $11,755,000 $618,684
    Single Family (1-4 Units):Manufactured 3 $275,000 $91,667
    Single Family (1-4 Units):Site-Built 1,253 $245,515,000 $195,942

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 55 $5,515,000 $100,273 $2,102 3.54%
    40-60% 175 $34,035,000 $194,486 $2,405 3.30%
    60-80% 462 $103,600,000 $224,242 $2,630 3.29%
    80-100% 547 $110,125,000 $201,325 $3,643 3.25%
    Over 100% 12 $2,110,000 $175,833 $7,387 3.21%
    Under 20% 20 $890,000 $44,500 $1,067 3.58%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Struggling to pay mortgage 2 28.6%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 2 28.6%
    FIRST NATIONAL BANK OF OMAHA Other type of mortgage Trouble during payment process 1 14.3%
    FIRST NATIONAL BANK OF OMAHA FHA mortgage Struggling to pay mortgage 1 14.3%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 14.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Citizens National Bank 100 West Washington Avenue Union City, TN 38261 Full Service B&M $105,125
    First Citizens National Bank 104 North Monroe Street Newbern, TN 38059 Full Service B&M $59,886
    First Citizens National Bank 117 South Church Street Dyersburg, TN 38024 Limited, Drive-thru $3
    First Citizens National Bank 123 Atoka-Munford Avenue Atoka, TN 38004 Full Service B&M $31,050
    First Citizens National Bank 1304 Murfreesboro Road Franklin, TN 37064 Full Service B&M $47,592
    First Citizens National Bank 1426 Munford Avenue Munford, TN 38058 Full Service B&M $79,012
    First Citizens National Bank 200 University Street Martin, TN 38237 Full Service B&M $46,300
    First Citizens National Bank 2021 Hamilton Place Blvd, Suite A Chattanooga, TN 37421 Full Service B&M $9,811
    First Citizens National Bank 2035 Wall Street Spring Hill, TN 37174 Full Service B&M $8,479
    First Citizens National Bank 2120 Northgate Park Ln Suite 100 Chattanooga, TN 37415 Full Service B&M $6,342
    First Citizens National Bank 220 East Harper Street Troy, TN 38260 Full Service B&M $35,776
    First Citizens National Bank 2211 St. John Avenue Dyersburg, TN 38024 Full Service B&M $41,202
    First Citizens National Bank 2530 Dalton Pike Cleveland, TN 37323 Full Service B&M $25,841
    First Citizens National Bank 3020 Keith Street Cleveland, TN 37312 Full Service B&M $199,828
    First Citizens National Bank 316 Cleveland Street Ripley, TN 38063 Full Service B&M $36,561
    First Citizens National Bank 3668 South Houston Levee Road Collierville, TN 38017 Full Service B&M $28,701
    First Citizens National Bank 3795 Georgetown Road Cleveland, TN 37312 Full Service B&M $36,739
    First Citizens National Bank 381 Walker Road Jackson, TN 38305 Full Service B&M $18,620
    First Citizens National Bank 5845 Airline Road Arlington, TN 38002 Full Service B&M $85,149
    First Citizens National Bank 710 Hwy 51 By Pass Dyersburg, TN 38024 Full Service B&M $83,546
    First Citizens National Bank 7116 Nolensville Road Nolensville, TN 37135 Full Service B&M $6,092
    First Citizens National Bank 7285 Highway 64 Oakland, TN 38060 Full Service B&M $86,585
    First Citizens National Bank 7580 Highway 70 Bartlett, TN 38133 Full Service B&M $81,510
    First Citizens National Bank 8170 Highway 51 North Millington, TN 38053 Full Service B&M $50,819
    First Citizens National Bank 9045 Carothers Parkway Franklin, TN 37067 Full Service B&M $56,303
    First Citizens National Bank One First Citizens Place Dyersburg, TN 38024 Full Service B&M $343,182

    For 2020, First Citizens National Bank had 26 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $69,768
    Net interest income $57,194
    Total noninterest income $18,164
    Gross Fiduciary activities income $1,565
    Service charges on deposit accounts $4,160
    Trading account gains and fees $0
    Additional Noninterest Income $12,439
    Pre-tax net operating income $24,242
    Securities gains (or losses, -) $868
    Income before extraordinary items $21,540
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $21,540
    Minority interest net income $124
    Net income $21,416
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $20,793

    First Citizens National Bank's gross interest income from loans was $69,768,000.
    First Citizens National Bank's net interest income from loans was $57,194,000.
    First Citizens National Bank's fee based income from loans was $4,160,000.
    First Citizens National Bank's net income from loans was $21,416,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,574
    Provision for credit losses $3,175
    Total noninterest expense $47,941
    Salaries and employee benefits $28,239
    Premises and equipment expense $5,470
    Additional noninterest expense $14,232
    Applicable income taxes $3,570
    Net charge-offs $484
    Cash dividends $9,100

    First Citizens National Bank's interest expense for loans was $12,574,000.
    First Citizens National Bank's payroll and benefits expense were $28,239,000.
    First Citizens National Bank's property, plant and equipment expenses $5,470,000.

    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 0.0%
    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 $1,691,004
    Deposits held in domestic offices $1,691,004
    Deposits by Individuals, partnerships, and corporations $1,413,030
    Deposits by U.S. Government $8,000
    Deposits by States and political subdivisions in the U.S. $237,392
    Deposits by Commercial banks and other depository institutions in U.S. $32,582
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $993,056
    Demand deposits $840,628
    Nontransaction accounts $697,948
    Money market deposit accounts (MMDAs) $105,886
    Other savings deposits (excluding MMDAs) $138,231
    Total time deposits $453,832
    Total time and savings deposits $850,376
    Noninterest-bearing deposits $355,855
    Interest-bearing deposits $1,335,149
    Retail deposits $1,512,860
    IRAs and Keogh plan accounts $49,716
    Brokered deposits $19,061
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,034,249
    Cash & Balances due from depository institutions $103,594
    Interest-bearing balances $76,317
    Total securities $741,596
    Federal funds sold & reverse repurchase $10,129
    Net loans and leases $1,066,422
    Loan and leases loss allowance $14,296
    Trading account assets $0
    Bank premises and fixed assets $37,184
    Other real estate owned $1,765
    Goodwill and other intangibles $22,986
    All other assets $50,573

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,034,249
    Total Liabilities $1,795,685
    Total deposits $1,691,004
    Interest-bearing deposits $1,335,149
    Deposits held in domestic offices $1,691,004
    % insured (estimated) $66
    Federal funds purchased and repurchase agreements $56,949
    Trading liabilities $0
    Other borrowed funds $29,069
    Subordinated debt $0
    All other liabilities $18,663

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,066,422
    Loan and leases loss allowance $14,296
    Total loans and leases (domestic) $1,080,718
    All real estate loans $919,817
    Real estate loans in domestic offices $919,817
    Construction and development loans $190,143
    Residential 1-4 family construction $72,386
    Other construction, all land development and other land $117,757
    Loans secured by nonfarm nonresidential properties $415,104
    Nonfarm nonresidential secured by owner-occupied properties $152,218
    Commercial real estate & other non-farm, non-residential $262,886
    Multifamily residential real estate $34,477
    1-4 family residential loans $218,802
    Farmland loans $61,291
    Loans held in foreign offices $0
    Farm loans $19,656
    Commercial and industrial loans $107,880
    To non-U.S. addressees $0
    Loans to individuals $24,770
    Credit card loans $0
    Related Plans $671
    Consumer Auto Loans $6,535
    Other loans to individuals $17,564
    All other loans & leases $12,279
    Loans to foreign governments and official institutions $0
    Other loans $6,751
    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

    First Citizens National Bank had $1,066,422,000 of loans outstanding in 2020. $919,817,000 of loans were in real estate loans. $190,143,000 of loans were in development loans. $34,477,000 of loans were in multifamily mortgage loans. $218,802,000 of loans were in 1-4 family mortgage loans. $19,656,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,535,000 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 648 $136,602 $210,806
    Nonfarm, nonresidential loans - <$100k 147 $5,293 $36,007
    Nonfarm, nonresidential loans - $100-250k 222 $25,961 $116,941
    Nonfarm, nonresidential loans - $250k-1MM 279 $105,348 $377,591
    Commercial & Industrial, US addressed loans - <$1MM 1,663 $86,435 $51,975
    Commercial & Industrial, US addressed loans - <$100k 1,254 $29,759 $23,731
    Commercial & Industrial, US addressed loans - $100-250k 282 $25,090 $88,972
    Commercial & Industrial, US addressed loans - $250k-1MM 127 $31,586 $248,709
    Farmland loans - <$1MM 314 $35,746 $113,841
    Farmland loans - <$100k 112 $4,428 $39,536
    Farmland loans - $100-250k 131 $14,978 $114,336
    Farmland loans - $250k-1MM 71 $16,340 $230,141
    Agriculture operations loans - <$1MM 376 $10,840 $28,830
    Agriculture operations loans - <$100k 228 $3,532 $15,491
    Agriculture operations loans - $100-250k 99 $3,810 $38,485
    Agriculture operations loans - $250k-1MM 49 $3,498 $71,388