Citizens Community Federal Mortgage Rates, Fees & Info
Altoona, WI
LEI: 549300SUC4CLYKKZWS29
Tax ID: 39-0859926
5 stars
-
out of 5 stars, based on 31 reviews
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Mortgage Data
Bank Data
Overview
Citizens Community Federal is a
smaller
mortgage company
specializing in
Cash Out Refi, Home Purchase, and Refi loans.
Citizens Community Federal has a high proportion of conventional loans.
They have a low ratio of USDA loans.
Their top markets include Eau Claire, Minneapolis, Mankato, Wausau, and Sebring among others. Citizens Community Federal has
an average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
Citizens Community Federal is typically
a low fee
lendor.
Originations
990
Origination Dollar Volume (All Markets)
$326,770,000
Employee count
242
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Citizens Community Federal - 2021
Citizens Community Federal is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Citizens Community Federal's average 30 year fixed rate mortgage of loans were
3.13%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.02%.
Relative Fees
Citizens Community Federal's average total fees for a 30 year fixed rate
mortgage are $2,655.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
|
EAU CLAIRE, WI (FHA|USDA|VA)
|
312
|
$99,060,000 |
$317,500 |
$2,545 |
3.06% |
|
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA)
|
113
|
$75,055,000 |
$664,204 |
$2,673 |
3.17% |
|
Outside of Metro Areas
|
340 |
$67,650,000 |
$198,971 |
$2,438 |
3.24% |
|
MANKATO, MN (FHA|USDA|VA)
|
63
|
$20,665,000 |
$328,016 |
$2,335 |
2.83% |
|
WAUSAU-WESTON, WI (FHA|USDA|VA)
|
2
|
$17,790,000 |
$8,895,000 |
$0 |
2.35% |
|
SEBRING-AVON PARK, FL (FHA|USDA|VA)
|
1
|
$9,345,000 |
$9,345,000 |
$0 |
2.90% |
|
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA)
|
14
|
$9,080,000 |
$648,571 |
$3,359 |
3.50% |
|
Menomonie, WI (FHA|USDA|VA)
|
27
|
$6,285,000 |
$232,778 |
$2,490 |
2.98% |
|
Albert Lea, MN (FHA|USDA|VA)
|
31
|
$4,815,000 |
$155,323 |
$2,812 |
3.01% |
|
DULUTH, MN-WI (FHA|USDA|VA)
|
7
|
$3,495,000 |
$499,286 |
$2,936 |
3.20% |
|
Fairmont, MN (FHA|USDA|VA)
|
16
|
$1,960,000 |
$122,500 |
$2,690 |
3.19% |
|
Red Wing, MN (FHA|USDA|VA)
|
13
|
$1,845,000 |
$141,923 |
$1,998 |
3.14% |
|
ROCHESTER, MN (FHA|USDA|VA)
|
5
|
$1,245,000 |
$249,000 |
$1,840 |
3.05% |
|
Faribault-Northfield, MN (FHA|USDA|VA)
|
4
|
$960,000 |
$240,000 |
$2,124 |
2.91% |
|
Owatonna, MN (FHA|USDA|VA)
|
6
|
$950,000 |
$158,333 |
$2,640 |
3.04% |
|
Shawano, WI (FHA|USDA|VA)
|
5
|
$745,000 |
$149,000 |
$2,523 |
3.40% |
|
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)
|
1
|
$715,000 |
$715,000 |
$0 |
2.95% |
|
ST. CLOUD, MN (FHA|USDA|VA)
|
2
|
$610,000 |
$305,000 |
$2,183 |
3.19% |
|
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA)
|
2
|
$550,000 |
$275,000 |
$1,929 |
2.38% |
|
Bozeman, MT (FHA|USDA|VA)
|
1
|
$535,000 |
$535,000 |
$2,218 |
3.50% |
|
Watertown-Fort Atkinson, WI (FHA|USDA|VA)
|
2
|
$390,000 |
$195,000 |
$3,042 |
4.19% |
|
Brainerd, MN (FHA|USDA|VA)
|
4
|
$310,000 |
$77,500 |
$2,548 |
4.02% |
|
Fergus Falls, MN (FHA|USDA|VA)
|
2
|
$310,000 |
$155,000 |
$2,493 |
2.56% |
|
MADISON, WI (FHA|USDA|VA)
|
1
|
$295,000 |
$295,000 |
$4,251 |
3.00% |
|
CEDAR RAPIDS, IA (FHA|USDA|VA)
|
2
|
$270,000 |
$135,000 |
$0 |
4.50% |
|
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)
|
1
|
$265,000 |
$265,000 |
$0 |
4.00% |
|
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)
|
1
|
$195,000 |
$195,000 |
$0 |
4.50% |
|
Baraboo, WI (FHA|USDA|VA)
|
2
|
$180,000 |
$90,000 |
$0 |
4.27% |
|
Austin, MN (FHA|USDA|VA)
|
2
|
$170,000 |
$85,000 |
$2,299 |
3.06% |
|
Whitewater, WI (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$2,705 |
3.00% |
|
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA)
|
1
|
$145,000 |
$145,000 |
$0 |
3.85% |
|
APPLETON, WI (FHA|USDA|VA)
|
1
|
$145,000 |
$145,000 |
$1,815 |
2.50% |
|
GREEN BAY, WI (FHA|USDA|VA)
|
1
|
$135,000 |
$135,000 |
$3,914 |
2.63% |
|
Alexandria, MN (FHA|USDA|VA)
|
1
|
$125,000 |
$125,000 |
$2,530 |
2.38% |
|
Worthington, MN (FHA|USDA|VA)
|
1
|
$125,000 |
$125,000 |
$2,091 |
3.13% |
|
New Ulm, MN (FHA|USDA|VA)
|
1
|
$115,000 |
$115,000 |
$2,001 |
2.38% |
|
JANESVILLE-BELOIT, WI (FHA|USDA|VA)
|
1
|
$85,000 |
$85,000 |
$0 |
4.29% |
Citizens Community Federal's top markets include Eau Claire, Minneapolis, Mankato, Wausau, and Sebring among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
985 |
$326,125,000 |
$331,091 |
$2,506 |
3.14% |
| USDA |
5 |
$645,000 |
$129,000 |
$3,620 |
3.10% |
For the 2021 period, Citizens Community Federal's most frequently
originated loan type
of loans were Conventional, with 985 originations.
Their 2nd most popular type is USDA,
with 5 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Cash Out Refi |
338 |
$92,410,000 |
$273,402 |
$2,402 |
3.05% |
| Home Purchase |
329 |
$157,875,000 |
$479,863 |
$3,131 |
3.33% |
| Refi |
313 |
$74,025,000 |
$236,502 |
$2,058 |
3.03% |
| Other |
7 |
$1,265,000 |
$180,714 |
$2,711 |
3.11% |
| Home Improvement |
3 |
$1,195,000 |
$398,333 |
$2,077 |
3.08% |
For the 2021, Citizens Community Federal's most frequently cited loan
purpose
of loans were Cash Out Refi, with 338
originations.
The 2nd most popular reason of loans were Home Purchase,
with 329 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 30 Year |
429 |
$89,695,000 |
$209,079 |
$2,655 |
3.13% |
| 15 Year |
241 |
$36,595,000 |
$151,846 |
$2,070 |
2.61% |
| 20 Year |
129 |
$30,405,000 |
$235,698 |
$2,305 |
3.36% |
| Other |
71 |
$45,745,000 |
$644,296 |
$2,943 |
3.91% |
| 5 Year |
56 |
$106,410,000 |
$1,900,179 |
$2,218 |
3.76% |
| 10 Year |
38 |
$8,420,000 |
$221,579 |
$2,250 |
2.78% |
| 30+ year |
22 |
$9,240,000 |
$420,000 |
$5,296 |
4.16% |
| 3 Year |
3 |
$195,000 |
$65,000 |
$0 |
4.17% |
| 1 Year |
1 |
$65,000 |
$65,000 |
$0 |
3.13% |
For the 2021, Citizens Community Federal's most frequently cited loan
length
of loans were 30 Year, with 429 originations.
The 2nd most popular length of loans were 15 Year,
with 241 originations.
Origination Fees
| Origination Fee |
Originations |
Total Value |
Average Loan |
| $<1k |
577 |
$102,965,000 |
$178,449 |
| $1k-2k |
129 |
$23,685,000 |
$183,605 |
| $2k-3k |
60 |
$14,560,000 |
$242,667 |
| $3k-4k |
31 |
$10,125,000 |
$326,613 |
| $5k+ |
11 |
$5,475,000 |
$497,727 |
$2,655 of loans were Citizens Community Federal's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 577 originations.
Interest Rates
| Loan Rate |
Originations |
Total Value |
Average Loan |
| 2.5-3% |
356 |
$100,950,000 |
$283,567 |
| 3-4% |
320 |
$153,980,000 |
$481,188 |
| <2.5% |
211 |
$49,755,000 |
$235,806 |
| 4-5% |
85 |
$20,295,000 |
$238,765 |
| 5-6% |
9 |
$1,325,000 |
$147,222 |
| 6-7% |
6 |
$390,000 |
$65,000 |
| 7-8% |
2 |
$50,000 |
$25,000 |
| Over 8% |
1 |
$25,000 |
$25,000 |
During 2021, Citizens Community Federal's average interest
rate of loans were 3.13%, while their
most frequently originated rate bucket of loans were 2.5-3%,
with 356 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-200k |
419 |
$61,295,000 |
$146,289 |
$2,261 |
3.01% |
| $200k-400k |
267 |
$73,355,000 |
$274,738 |
$2,837 |
3.19% |
| $100,000 or less |
194 |
$13,800,000 |
$71,134 |
$1,944 |
3.25% |
| $400k-600k |
64 |
$30,650,000 |
$478,906 |
$4,080 |
3.17% |
| $1MM+ |
31 |
$136,025,000 |
$4,387,903 |
$10,020 |
3.33% |
| $600k-1MM |
15 |
$11,645,000 |
$776,333 |
$6,706 |
3.63% |
2021 saw Citizens Community Federal place emphasis on
$100k-200k loans
with 419 originations, totaling
$61,295,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $50k-75k |
210 |
$33,430,000 |
$159,190 |
$2,328 |
3.03% |
| $50k or less |
202 |
$24,860,000 |
$123,069 |
$2,180 |
3.01% |
| $100k-150k |
158 |
$37,390,000 |
$236,646 |
$2,598 |
3.03% |
| $75k-100k |
153 |
$31,055,000 |
$202,974 |
$2,685 |
2.97% |
| $150k-250k |
62 |
$17,270,000 |
$278,548 |
$2,943 |
3.04% |
| $250k+ |
42 |
$16,650,000 |
$396,429 |
$3,636 |
3.10% |
Citizens Community Federal lent most frequently to those with incomes in the
$50k-75k range, with
210 originations.
The second most popular income band? $50k or less,
with 202 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-30% |
215 |
$36,145,000 |
$168,116 |
$2,261 |
2.92% |
| 30-36% |
134 |
$25,110,000 |
$187,388 |
$2,617 |
2.96% |
| <20% |
84 |
$17,850,000 |
$212,500 |
$2,374 |
2.84% |
| 40% |
38 |
$7,350,000 |
$193,421 |
$2,838 |
3.00% |
| 43% |
35 |
$6,265,000 |
$179,000 |
$2,330 |
3.00% |
| 39% |
35 |
$9,165,000 |
$261,857 |
$2,962 |
3.14% |
| 38% |
33 |
$6,175,000 |
$187,121 |
$2,689 |
3.01% |
| 41% |
31 |
$5,555,000 |
$179,194 |
$2,618 |
2.96% |
| 42% |
30 |
$6,360,000 |
$212,000 |
$2,373 |
3.08% |
| 44% |
24 |
$5,300,000 |
$220,833 |
$2,756 |
3.14% |
| 37% |
23 |
$3,925,000 |
$170,652 |
$2,612 |
2.97% |
| 36% |
22 |
$4,960,000 |
$225,455 |
$3,411 |
2.85% |
| 45% |
21 |
$3,625,000 |
$172,619 |
$2,389 |
3.05% |
| 49% |
15 |
$3,465,000 |
$231,000 |
$2,803 |
2.91% |
| 48% |
14 |
$3,110,000 |
$222,143 |
$2,490 |
3.09% |
| 46% |
13 |
$3,345,000 |
$257,308 |
$2,298 |
2.98% |
| 47% |
11 |
$2,585,000 |
$235,000 |
$3,247 |
3.30% |
| 50-60% |
3 |
$845,000 |
$281,667 |
$3,063 |
3.21% |
| >60% |
3 |
$285,000 |
$95,000 |
$1,257 |
5.57% |
Citizens Community Federal lent most frequently to those with DTI ratios
of 20-30%, with
215 originations.
The next most common DTI ratio? 30-36%,
with 134 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Not applicable |
146 |
$162,310,000 |
$1,111,712 |
$0 |
3.84% |
| White |
757 |
$144,725,000 |
$191,182 |
$2,502 |
3.00% |
| Not provided |
70 |
$15,420,000 |
$220,286 |
$2,611 |
3.21% |
| Asian |
9 |
$2,695,000 |
$299,444 |
$2,597 |
3.15% |
| American Indian |
6 |
$960,000 |
$160,000 |
$2,401 |
2.75% |
| Black |
2 |
$660,000 |
$330,000 |
$2,992 |
3.00% |
Approval Rates
Total approvals of all applications
87.40%
Citizens Community Federal has an average approval rate.
Pick Rate
Approvals leading to origination
77.23%
Citizens Community Federal has a below average pick rate.
Points and Fees
| Points |
Originations |
Total Value |
Average Loan |
| NA |
990 |
$326,770,000 |
$330,071 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
990 |
$326,770,000 |
$330,071 |
LTV Distribution
| Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-40% |
88 |
$11,550,000 |
$131,250 |
$2,002 |
2.96% |
| 40-60% |
232 |
$41,860,000 |
$180,431 |
$1,973 |
2.93% |
| 60-80% |
442 |
$209,330,000 |
$473,597 |
$2,632 |
3.18% |
| 80-100% |
213 |
$62,465,000 |
$293,263 |
$3,128 |
3.28% |
| Over 100% |
1 |
$25,000 |
$25,000 |
$1,312 |
8.12% |
| Under 20% |
13 |
$1,065,000 |
$81,923 |
$1,722 |
3.68% |
Complaints
| Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Applying for a mortgage or refinancing an existing mortgage |
54 |
15.6% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Closing on a mortgage |
22 |
6.3% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Improper use of your report |
1 |
0.3% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Incorrect information on your report |
6 |
1.7% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Problem with a credit reporting company's investigation into an existing problem |
3 |
0.9% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Struggling to pay mortgage |
27 |
7.8% |
| CITIZENS FINANCIAL GROUP, INC. |
Conventional home mortgage |
Trouble during payment process |
116 |
33.4% |
| CITIZENS FINANCIAL GROUP, INC. |
FHA mortgage |
Applying for a mortgage or refinancing an existing mortgage |
7 |
2.0% |
| CITIZENS FINANCIAL GROUP, INC. |
FHA mortgage |
Closing on a mortgage |
4 |
1.2% |
| CITIZENS FINANCIAL GROUP, INC. |
FHA mortgage |
Struggling to pay mortgage |
15 |
4.3% |
| CITIZENS FINANCIAL GROUP, INC. |
FHA mortgage |
Trouble during payment process |
19 |
5.5% |
| CITIZENS FINANCIAL GROUP, INC. |
Home equity loan or line of credit (HELOC) |
Applying for a mortgage or refinancing an existing mortgage |
7 |
2.0% |
| CITIZENS FINANCIAL GROUP, INC. |
Home equity loan or line of credit (HELOC) |
Closing on a mortgage |
4 |
1.2% |
| CITIZENS FINANCIAL GROUP, INC. |
Home equity loan or line of credit (HELOC) |
Incorrect information on your report |
2 |
0.6% |
| CITIZENS FINANCIAL GROUP, INC. |
Home equity loan or line of credit (HELOC) |
Struggling to pay mortgage |
2 |
0.6% |
| CITIZENS FINANCIAL GROUP, INC. |
Home equity loan or line of credit (HELOC) |
Trouble during payment process |
27 |
7.8% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Applying for a mortgage or refinancing an existing mortgage |
5 |
1.4% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Closing on a mortgage |
3 |
0.9% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Improper use of your report |
1 |
0.3% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Incorrect information on your report |
1 |
0.3% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Struggling to pay mortgage |
3 |
0.9% |
| CITIZENS FINANCIAL GROUP, INC. |
Other type of mortgage |
Trouble during payment process |
13 |
3.7% |
| CITIZENS FINANCIAL GROUP, INC. |
VA mortgage |
Struggling to pay mortgage |
2 |
0.6% |
| CITIZENS FINANCIAL GROUP, INC. |
VA mortgage |
Trouble during payment process |
3 |
0.9% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| Citizens Community Federal National Association |
1001 Superior Avenue Tomah, WI 54660 |
Full Service B&M
|
$97,470 |
| Citizens Community Federal National Association |
1204 West Knapp Street Rice Lake, WI 54868 |
Full Service B&M
|
$48,262 |
| Citizens Community Federal National Association |
131 Fifth Avenue Strum, WI 54770 |
Full Service B&M
|
$42,580 |
| Citizens Community Federal National Association |
1500 North Superior Avenue Tomah, WI 54660 |
Full Service B&M
|
$31,179 |
| Citizens Community Federal National Association |
180 St Andrews Dr Mankato, MN 56001 |
Full Service Retail
|
$76,885 |
| Citizens Community Federal National Association |
203 East Main Street Mondovi, WI 54755 |
Full Service B&M
|
$23,417 |
| Citizens Community Federal National Association |
218 North Broadway Street Ellsworth, WI 54011 |
Full Service B&M
|
$51,762 |
| Citizens Community Federal National Association |
219 Fairfax Street Altoona, WI 54720 |
Full Service B&M
|
$324,591 |
| Citizens Community Federal National Association |
22818 North Main Ettrick, WI 54627 |
Full Service B&M
|
$24,437 |
| Citizens Community Federal National Association |
2630 Bridge Ave Albert Lea, MN 56007 |
Full Service B&M
|
$45,123 |
| Citizens Community Federal National Association |
2727 Commercial Blvd Chippewa Falls, WI 54729 |
Full Service Retail
|
$25,951 |
| Citizens Community Federal National Association |
2850 Decker Drive Rice Lake, WI 54868 |
Full Service B&M
|
$30,376 |
| Citizens Community Federal National Association |
300 Western Ave Nw, Ste 100 Faribault, MN 55021 |
Full Service Retail
|
$33,725 |
| Citizens Community Federal National Association |
303 South Main Street Blue Earth, MN 56013 |
Full Service B&M
|
$33,290 |
| Citizens Community Federal National Association |
3151 South Service Drive Red Wing, MN 55066 |
Full Service Retail
|
$17,111 |
| Citizens Community Federal National Association |
322 North River Street Spooner, WI 54801 |
Full Service B&M
|
$95,541 |
| Citizens Community Federal National Association |
3625 Gateway Drive Eau Claire, WI 54701 |
Full Service B&M
|
$95,337 |
| Citizens Community Federal National Association |
436 East La Salle Avenue Barron, WI 54812 |
Full Service B&M
|
$39,213 |
| Citizens Community Federal National Association |
501 1st Ave S Saint James, MN 56081 |
Full Service B&M
|
$20,089 |
| Citizens Community Federal National Association |
50518 Charles Street Osseo, WI 54758 |
Full Service B&M
|
$64,983 |
| Citizens Community Federal National Association |
53 First Streeet, S.W. Wells, MN 56097 |
Full Service B&M
|
$69,019 |
| Citizens Community Federal National Association |
7035 10th Street N Oakdale, MN 55128 |
Full Service B&M
|
$25,656 |
| Citizens Community Federal National Association |
810 Miner Avenue West Ladysmith, WI 54848 |
Full Service B&M
|
$27,799 |
| Citizens Community Federal National Association |
1015 Hwy 15 S Fairmont, MN 56031 |
Full Service B&M
|
$27,117 |
| Citizens Community Federal National Association |
1123 South Minnesota Ave Saint Peter, MN 56082 |
Full Service B&M
|
$22,228 |
For 2021, Citizens Community Federal had 25 branches.
Yearly Performance Overview
Bank Income
Citizens Community Federal's gross interest income from loans was $64,207,000.
Citizens Community Federal's net interest income from loans was $56,785,000.
Citizens Community Federal's fee based income from loans was $1,571,000.
Citizens Community Federal's net income from loans was $23,896,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$7,422 |
| Provision for credit losses |
$0 |
| Total noninterest expense |
$39,826 |
| Salaries and employee benefits |
$22,267 |
| Premises and equipment expense |
$4,691 |
| Additional noninterest expense |
$12,868 |
| Applicable income taxes |
$8,682 |
| Net charge-offs |
$130 |
| Cash dividends |
$12,500 |
Citizens Community Federal's interest expense for loans was $7,422,000.
Citizens Community Federal's payroll and benefits expense were $22,267,000.
Citizens Community Federal's property, plant and equipment expenses $4,691,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$1,411,507 |
| Deposits held in domestic offices |
$1,411,507 |
| Deposits by Individuals, partnerships, and corporations |
$1,241,528 |
| Deposits by U.S. Government |
$17 |
| Deposits by States and political subdivisions in the U.S. |
$169,951 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$11 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$696,856 |
| Demand deposits |
$696,525 |
| Nontransaction accounts |
$714,651 |
| Money market deposit accounts (MMDAs) |
$288,985 |
| Other savings deposits (excluding MMDAs) |
$222,639 |
| Total time deposits |
$203,027 |
| Total time and savings deposits |
$714,982 |
| Noninterest-bearing deposits |
$300,553 |
| Interest-bearing deposits |
$1,110,955 |
| Retail deposits |
$1,390,115 |
| IRAs and Keogh plan accounts |
$37,837 |
| Brokered deposits |
$11 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$1,739,119 |
| Cash & Balances due from depository institutions |
$48,142 |
| Interest-bearing balances |
$27,431 |
| Total securities |
$275,178 |
| Federal funds sold & reverse repurchase |
$1,059 |
| Net loans and leases |
$1,300,720 |
| Loan and leases loss allowance |
$16,913 |
| Trading account assets |
$0 |
| Bank premises and fixed assets |
$22,873 |
| Other real estate owned |
$1,406 |
| Goodwill and other intangibles |
$39,557 |
| All other assets |
$50,184 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$1,739,119 |
| Total Liabilities |
$1,532,692 |
| Total deposits |
$1,411,507 |
| Interest-bearing deposits |
$1,110,955 |
| Deposits held in domestic offices |
$1,411,507 |
| % insured (estimated) |
$86 |
| Federal funds purchased and repurchase agreements |
$0 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$111,527 |
| Subordinated debt |
$0 |
| All other liabilities |
$9,658 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$1,300,720 |
| Loan and leases loss allowance |
$16,913 |
| Total loans and leases (domestic) |
$1,317,633 |
| All real estate loans |
$1,130,074 |
| Real estate loans in domestic offices |
$1,130,074 |
| Construction and development loans |
$86,117 |
| Residential 1-4 family construction |
$26,492 |
| Other construction, all land development and other land |
$59,625 |
| Loans secured by nonfarm nonresidential properties |
$607,031 |
| Nonfarm nonresidential secured by owner-occupied properties |
$220,924 |
| Commercial real estate & other non-farm, non-residential |
$386,107 |
| Multifamily residential real estate |
$178,349 |
| 1-4 family residential loans |
$180,082 |
| Farmland loans |
$78,495 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$31,588 |
| Commercial and industrial loans |
$107,144 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$24,902 |
| Credit card loans |
$0 |
| Related Plans |
$505 |
| Consumer Auto Loans |
$4,048 |
| Other loans to individuals |
$20,349 |
| All other loans & leases |
$23,925 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$0 |
| Loans to depository institutions and acceptances of other banks |
$9,500 |
| Loans not secured by real estate |
$0 |
| Loans secured by real estate to non-U.S. addressees |
$0 |
| Restructured Loans & leases |
$7,764 |
| Non 1-4 family restructured loans & leases |
$5,262 |
| Total loans and leases (foreign) |
$0 |
Citizens Community Federal had $1,300,720,000 of loans outstanding in 2021. $1,130,074,000 of loans were in real estate loans.
$86,117,000 of loans were in development loans. $178,349,000 of loans were in multifamily mortgage loans.
$180,082,000 of loans were in 1-4 family mortgage loans. $31,588,000 of loans were in farm loans. $0
of loans were in credit card loans. $4,048,000 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 |
453 |
$114,963 |
$253,781 |
| Nonfarm, nonresidential loans - <$100k |
104 |
$4,774 |
$45,904 |
| Nonfarm, nonresidential loans - $100-250k |
147 |
$19,710 |
$134,082 |
| Nonfarm, nonresidential loans - $250k-1MM |
202 |
$90,479 |
$447,916 |
| Commercial & Industrial, US addressed loans - <$1MM |
492 |
$59,375 |
$120,681 |
| Commercial & Industrial, US addressed loans - <$100k |
276 |
$8,855 |
$32,083 |
| Commercial & Industrial, US addressed loans - $100-250k |
118 |
$13,840 |
$117,288 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
98 |
$36,680 |
$374,286 |
| Farmland loans - <$1MM |
213 |
$24,156 |
$113,408 |
| Farmland loans - <$100k |
84 |
$3,427 |
$40,798 |
| Farmland loans - $100-250k |
79 |
$8,478 |
$107,316 |
| Farmland loans - $250k-1MM |
50 |
$12,251 |
$245,020 |
| Agriculture operations loans - <$1MM |
184 |
$18,638 |
$101,293 |
| Agriculture operations loans - <$100k |
102 |
$3,185 |
$31,225 |
| Agriculture operations loans - $100-250k |
52 |
$7,003 |
$134,673 |
| Agriculture operations loans - $250k-1MM |
30 |
$8,450 |
$281,667 |
