Fnb Bank Mortgage Rates, Fees & Info

Mayfield, KY

LEI: 549300SDO5FP7F86HH46

Tax ID: 61-0273337

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Mortgage Data

Bank Data

Review & Overview

Fnb Bank is a smaller bank specializing in Home Purchase and Refi loans. Fnb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Paducah, Clarksville, Mayfield, Murray, and Paris among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)

Fnb 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.

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Originations

185

Origination Dollar Volume (All Markets)

$18,635,000

Employee count

115

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
Paducah, KY-IL (FHA|USDA|VA) 35 $5,095,000 $145,571 $0 0.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 45 $4,035,000 $89,667 $0 0.00%
Mayfield, KY (FHA|USDA|VA) 60 $4,000,000 $66,667 $0 0.00%
Murray, KY (FHA|USDA|VA) 27 $3,285,000 $121,667 $0 0.00%
Outside of Metro Areas 13 $1,355,000 $104,231 $0 0.00%
Paris, TN (FHA|USDA|VA) 3 $595,000 $198,333 $0 0.00%
JONESBORO, AR (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
Fnb Bank's top markets include Paducah, Clarksville, Mayfield, Murray, and Paris among others.

Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 185 $18,635,000 $100,730 $0 0.00%

    For 2019, Fnb Bank's most frequently originated type of loan was Conventional, with 185 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 103 $12,405,000 $120,437 $0 0.00%
    Refi 50 $4,990,000 $99,800 $0 0.00%
    Home Improvement 17 $685,000 $40,294 $0 0.00%
    Other 15 $555,000 $37,000 $0 0.00%

    For 2019, Fnb Bank's most frequently cited loan purpose was Home Purchase, with 103 originations. The 2nd most popular reason was Refi, with 50 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 185 $18,635,000 $100,730 $0 0.00%

    For 2019, Fnb Bank's most frequently cited loan duration was Other, with 185 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 122 $5,790,000 $47,459 $0 0.00%
    $100k-200k 42 $5,980,000 $142,381 $0 0.00%
    $200k-400k 18 $5,090,000 $282,778 $0 0.00%
    $400k-600k 2 $990,000 $495,000 $0 0.00%
    $600k-1MM 1 $785,000 $785,000 $0 0.00%

    2019 saw Fnb Bank place emphasis on $100,000 or less loans with 122 originations, totaling $5,790,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 56 $2,560,000 $45,714 $0 0.00%
    $75k-100k 33 $4,215,000 $127,727 $0 0.00%
    $50k-75k 29 $2,285,000 $78,793 $0 0.00%
    $100k-150k 18 $2,820,000 $156,667 $0 0.00%
    $150k-250k 12 $2,190,000 $182,500 $0 0.00%
    $250k+ 9 $1,425,000 $158,333 $0 0.00%

    Fnb Bank lent most frequently to those with incomes in the $50k or less range, with 56 originations. The second most popular income band? $75k-100k, with 33 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 185 $18,635,000 $100,730 $0 0.00%

    Fnb Bank lent most frequently to those with DTI ratios of Exempt%, with 185 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 156 $15,190,000 $97,372 $0 0.00%
    Not applicable 25 $3,045,000 $121,800 $0 0.00%
    Black 2 $260,000 $130,000 $0 0.00%
    American Indian 1 $125,000 $125,000 $0 0.00%
    Asian 1 $15,000 $15,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.02%

    Fnb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.54%

    Fnb Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 185 $18,635,000 $100,730

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 5 $1,365,000 $273,000
    Single Family (1-4 Units):Manufactured 24 $1,110,000 $46,250
    Single Family (1-4 Units):Site-Built 156 $16,160,000 $103,590

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    FNB Bank, Inc. 101 East Broadway Street Mayfield, KY 42066 Full Service B&M $211,668
    FNB Bank, Inc. 1197 Canton Rd Cadiz, KY 42211 Full Service B&M $11,696
    FNB Bank, Inc. 1445 Lowes Drive Murray, KY 42071 Full Service B&M $23,861
    FNB Bank, Inc. 2558 Main Street Cadiz, KY 42211 Full Service B&M $79,091
    FNB Bank, Inc. 310 Charles Drive Mayfield, KY 42066 Full Service B&M $57,411
    FNB Bank, Inc. 3445 Lane Oak Road Paducah, KY 42003 Full Service B&M $18,535
    FNB Bank, Inc. 630 Jefferson Street Paducah, KY 42001 Full Service B&M $15,967
    FNB Bank, Inc. 9606 Highway 45 S. Wingo, KY 42088 Full Service B&M $8,178

    For 2019, Fnb Bank had 8 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $21,851
    Net interest income $16,699
    Total noninterest income $2,943
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,284
    Trading account gains and fees $0
    Additional Noninterest Income $1,659
    Pre-tax net operating income $4,826
    Securities gains (or losses, -) $0
    Income before extraordinary items $4,111
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,111
    Minority interest net income $0
    Net income $4,111
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,111

    Fnb Bank's gross interest income from loans was $21,851,000.
    Fnb Bank's net interest income from loans was $16,699,000.
    Fnb Bank's fee based income from loans was $1,284,000.
    Fnb Bank's net income from loans was $4,111,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,152
    Provision for credit losses $300
    Total noninterest expense $14,516
    Salaries and employee benefits $7,536
    Premises and equipment expense $1,143
    Additional noninterest expense $5,837
    Applicable income taxes $715
    Net charge-offs $264
    Cash dividends $3,850

    Fnb Bank's interest expense for loans was $5,152,000.
    Fnb Bank's payroll and benefits expense were $7,536,000.
    Fnb Bank's property, plant and equipment expenses $1,143,000.

    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 $439,472
    Deposits held in domestic offices $439,472
    Deposits by Individuals, partnerships, and corporations $373,006
    Deposits by U.S. Government $6
    Deposits by States and political subdivisions in the U.S. $57,019
    Deposits by Commercial banks and other depository institutions in U.S. $9,441
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $205,879
    Demand deposits $201,609
    Nontransaction accounts $233,593
    Money market deposit accounts (MMDAs) $23,705
    Other savings deposits (excluding MMDAs) $79,352
    Total time deposits $130,535
    Total time and savings deposits $237,863
    Noninterest-bearing deposits $115,687
    Interest-bearing deposits $323,785
    Retail deposits $393,812
    IRAs and Keogh plan accounts $14,689
    Brokered deposits $32,244
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $516,631
    Cash & Balances due from depository institutions $21,644
    Interest-bearing balances $12,365
    Total securities $94,966
    Federal funds sold & reverse repurchase $0
    Net loans and leases $375,218
    Loan and leases loss allowance $6,459
    Trading account assets $0
    Bank premises and fixed assets $9,610
    Other real estate owned $644
    Goodwill and other intangibles $7,978
    All other assets $6,571

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $516,631
    Total Liabilities $464,121
    Total deposits $439,472
    Interest-bearing deposits $323,785
    Deposits held in domestic offices $439,472
    % insured (estimated) $90
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $22,212
    Subordinated debt $0
    All other liabilities $2,437

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $375,218
    Loan and leases loss allowance $6,459
    Total loans and leases (domestic) $381,677
    All real estate loans $264,406
    Real estate loans in domestic offices $264,406
    Construction and development loans $19,001
    Residential 1-4 family construction $4,906
    Other construction, all land development and other land $14,095
    Loans secured by nonfarm nonresidential properties $77,047
    Nonfarm nonresidential secured by owner-occupied properties $45,512
    Commercial real estate & other non-farm, non-residential $31,535
    Multifamily residential real estate $8,158
    1-4 family residential loans $117,789
    Farmland loans $42,411
    Loans held in foreign offices $0
    Farm loans $10,761
    Commercial and industrial loans $45,085
    To non-U.S. addressees $0
    Loans to individuals $58,373
    Credit card loans $0
    Related Plans $73
    Consumer Auto Loans $49,100
    Other loans to individuals $9,200
    All other loans & leases $3,052
    Loans to foreign governments and official institutions $0
    Other loans $2,702
    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 $2,970
    Non 1-4 family restructured loans & leases $2,970
    Total loans and leases (foreign) $0

    FNB Bank had $375,218,000 of loans outstanding in 2019. $264,406,000 of loans were in real estate loans. $19,001,000 of loans were in development loans. $8,158,000 of loans were in multifamily mortgage loans. $117,789,000 of loans were in 1-4 family mortgage loans. $10,761,000 of loans were in farm loans. $0 of loans were in credit card loans. $49,100,000 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 142 $26,017 $183,218
    Nonfarm, nonresidential loans - <$100k 50 $1,725 $34,500
    Nonfarm, nonresidential loans - $100-250k 30 $2,577 $85,900
    Nonfarm, nonresidential loans - $250k-1MM 62 $21,715 $350,242
    Commercial & Industrial, US addressed loans - <$1MM 205 $17,955 $87,585
    Commercial & Industrial, US addressed loans - <$100k 123 $2,961 $24,073
    Commercial & Industrial, US addressed loans - $100-250k 40 $3,998 $99,950
    Commercial & Industrial, US addressed loans - $250k-1MM 42 $10,996 $261,810
    Farmland loans - <$1MM 205 $20,643 $100,698
    Farmland loans - <$100k 85 $2,244 $26,400
    Farmland loans - $100-250k 81 $7,981 $98,531
    Farmland loans - $250k-1MM 39 $10,418 $267,128
    Agriculture operations loans - <$1MM 91 $6,497 $71,396
    Agriculture operations loans - <$100k 60 $1,311 $21,850
    Agriculture operations loans - $100-250k 18 $1,984 $110,222
    Agriculture operations loans - $250k-1MM 13 $3,202 $246,308