Citizens Community Federal Mortgage Rates, Fees & Info

Altoona, WI

LEI: 549300SUC4CLYKKZWS29

Tax ID: 39-0859926

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Bank Data

Review & Overview

Citizens Community Federal is a smaller mortgage company specializing in 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 by origination volume include: Eau Claire, Minneapolis, Mankato, St. Louis, and Salt Lake City among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)

Citizens Community Federal 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 Community Federal 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 6.84% 3/28/24
30 Year Conventional Refi 6.48% 3/28/24
30 Year Cash-out Refi 6.76% 3/28/24
30 Year FHA Purchase 6.27% 3/28/24
30 Year VA Purchase 6.27% 3/28/24
30 Year USDA Purchase 6.94% 3/28/24
15 Year Conventional Purchase 6.30% 3/28/24
15 Year Conventional Refi 6.01% 3/28/24
15 Year Cash-out Refi 6.01% 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.

Citizens Community Federal Mortgage Calculator






Your Estimates

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

This is not an official calculator from Citizens Community Federal. 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

435

Origination Dollar Volume (All Markets)

$128,935,000

Employee count

255

Awards

Citizens Community Federal 30 Year Conventional Loans gold Citizens Community Federal 30 Year Conventional Loans gold Citizens Community Federal USDA Loans bronze Citizens Community Federal USDA Loans silver
Show all (4) 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
EAU CLAIRE, WI (FHA|USDA|VA) 107 $34,015,000 $317,897 $2,625 4.90%
Outside of Metro Areas 172 $27,520,000 $160,000 $2,622 4.80%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 36 $17,120,000 $475,556 $2,597 4.96%
MANKATO, MN (FHA|USDA|VA) 42 $8,260,000 $196,667 $2,910 4.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $8,255,000 $8,255,000 $0 5.25%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $8,005,000 $8,005,000 $0 4.93%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $6,715,000 $2,238,333 $2,552 5.17%
Marshall, MN (FHA|USDA|VA) 2 $4,510,000 $2,255,000 $0 5.32%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $4,205,000 $4,205,000 $0 5.00%
Menomonie, WI (FHA|USDA|VA) 11 $2,165,000 $196,818 $3,764 4.86%
Albert Lea, MN (FHA|USDA|VA) 18 $1,980,000 $110,000 $2,526 5.04%
DULUTH, MN-WI (FHA|USDA|VA) 6 $1,470,000 $245,000 $2,432 4.66%
Fairmont, MN (FHA|USDA|VA) 14 $1,370,000 $97,857 $2,839 4.81%
Red Wing, MN (FHA|USDA|VA) 4 $930,000 $232,500 $2,751 4.09%
ROCHESTER, MN (FHA|USDA|VA) 4 $600,000 $150,000 $3,407 4.44%
Owatonna, MN (FHA|USDA|VA) 5 $525,000 $105,000 $2,492 5.66%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $285,000 $285,000 $2,625 4.25%
ST. CLOUD, MN (FHA|USDA|VA) 1 $285,000 $285,000 $2,254 4.88%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.50%
Fergus Falls, MN (FHA|USDA|VA) 1 $235,000 $235,000 $4,492 4.88%
New Ulm, MN (FHA|USDA|VA) 2 $100,000 $50,000 $1,873 6.13%
Brainerd, MN (FHA|USDA|VA) 1 $55,000 $55,000 $2,469 4.75%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $55,000 $55,000 $3,402 4.50%
Citizens Community Federal's top markets include Eau Claire, Minneapolis, Mankato, St. Louis, and Salt Lake City among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 415 $126,855,000 $305,675 $2,642 4.86%
    USDA 20 $2,080,000 $104,000 $3,436 4.44%

    For 2018, Citizens Community Federal's most frequently originated type of loan was Conventional, with 415 originations. Their 2nd most popular type was USDA, with 20 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 240 $68,060,000 $283,583 $2,845 4.79%
    Cash Out Refi 92 $12,950,000 $140,761 $2,644 4.79%
    Refi 86 $45,910,000 $533,837 $2,260 5.02%
    Home Improvement 9 $1,135,000 $126,111 $2,129 5.06%
    Other 8 $880,000 $110,000 $2,127 5.12%

    For 2018, Citizens Community Federal's most frequently cited loan purpose was Home Purchase, with 240 originations. The 2nd most popular reason was Cash Out Refi, with 92 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 254 $43,360,000 $170,709 $2,827 4.83%
    15 Year 76 $17,330,000 $228,026 $2,333 4.54%
    20 Year 49 $7,855,000 $160,306 $3,018 5.03%
    Other 29 $36,605,000 $1,262,241 $1,849 5.15%
    5 Year 12 $9,360,000 $780,000 $1,200 5.58%
    10 Year 11 $7,775,000 $706,818 $2,185 4.95%
    3 Year 4 $6,650,000 $1,662,500 $0 4.87%

    For 2018, Citizens Community Federal's most frequently cited loan duration was 30 Year, with 254 originations. The 2nd most popular length was 15 Year, with 76 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 220 $31,530,000 $143,318
    $1k-2k 84 $14,650,000 $174,405
    $2k-3k 37 $7,395,000 $199,865
    $3k-4k 10 $2,320,000 $232,000
    $5k+ 2 $440,000 $220,000
    $4k-5k 1 $275,000 $275,000

    Citizens Community Federal's average total fees were $2,827, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 220 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 305 $85,205,000 $279,361
    5-6% 95 $31,275,000 $329,211
    3-4% 18 $4,600,000 $255,556
    6-7% 14 $7,440,000 $531,429
    7-8% 2 $50,000 $25,000
    2.5-3% 1 $365,000 $365,000

    During 2018, Citizens Community Federal's average interest rate for loans was 4.83%, while their most frequently originated rate bucket for loans was 4-5%, with 305 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 192 $27,150,000 $141,406 $2,780 4.79%
    $100,000 or less 124 $8,290,000 $66,855 $2,287 5.00%
    $200k-400k 86 $23,090,000 $268,488 $3,082 4.76%
    $400k-600k 17 $7,935,000 $466,765 $2,275 4.74%
    $1MM+ 13 $60,225,000 $4,632,692 $0 4.96%
    $600k-1MM 3 $2,245,000 $748,333 $2,457 4.52%

    2018 saw Citizens Community Federal place emphasis on $100k-200k loans with 192 originations, totaling $27,150,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 101 $13,785,000 $136,485 $2,711 4.76%
    $50k or less 98 $9,360,000 $95,510 $2,489 4.86%
    $100k-150k 63 $13,575,000 $215,476 $3,072 4.80%
    $75k-100k 61 $9,825,000 $161,066 $2,569 4.82%
    $150k-250k 38 $8,560,000 $225,263 $2,769 4.79%
    $250k+ 11 $3,855,000 $350,455 $2,469 4.49%

    Citizens Community Federal lent most frequently to those with incomes in the $50k-75k range, with 101 originations. The second most popular income band? $50k or less, with 98 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 82 $11,100,000 $135,366 $2,532 4.70%
    30-36% 67 $11,005,000 $164,254 $2,733 4.68%
    <20% 25 $3,745,000 $149,800 $2,561 4.73%
    45% 20 $3,170,000 $158,500 $2,646 4.90%
    41% 19 $3,095,000 $162,895 $2,669 4.60%
    43% 16 $2,800,000 $175,000 $2,655 4.78%
    37% 14 $2,120,000 $151,429 $2,821 4.76%
    42% 13 $1,725,000 $132,692 $2,896 4.79%
    46% 12 $2,430,000 $202,500 $3,499 4.69%
    38% 12 $2,170,000 $180,833 $2,589 4.65%
    36% 11 $1,695,000 $154,091 $3,039 4.64%
    >60% 10 $1,990,000 $199,000 $1,749 5.61%
    47% 9 $1,495,000 $166,111 $3,100 5.07%
    48% 8 $1,380,000 $172,500 $2,787 4.78%
    40% 8 $1,620,000 $202,500 $3,082 4.69%
    50-60% 7 $1,545,000 $220,714 $1,640 5.04%
    39% 7 $1,165,000 $166,429 $2,865 5.00%
    44% 6 $740,000 $123,333 $3,252 4.81%
    49% 6 $1,110,000 $185,000 $3,133 4.92%

    Citizens Community Federal lent most frequently to those with DTI ratios of 20-30%, with 82 originations. The next most common DTI ratio? 30-36%, with 67 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 58 $68,990,000 $1,189,483 $0 5.08%
    White 363 $58,215,000 $160,372 $2,712 4.80%
    Not provided 12 $1,540,000 $128,333 $1,867 5.14%
    American Indian 2 $190,000 $95,000 $3,886 4.94%

    Approval Rates

    Total approvals of all applications
    87.68%

    Citizens Community Federal has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.85%

    Citizens Community Federal has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 435 $128,935,000 $296,402

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 23 $63,125,000 $2,744,565
    Single Family (1-4 Units):Manufactured 7 $585,000 $83,571
    Single Family (1-4 Units):Site-Built 405 $65,225,000 $161,049

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 25 $1,945,000 $77,800 $1,731 5.04%
    40-60% 56 $13,520,000 $241,429 $2,307 4.84%
    60-80% 182 $70,910,000 $389,615 $2,749 4.85%
    80-100% 160 $40,820,000 $255,125 $2,922 4.79%
    Over 100% 2 $320,000 $160,000 $2,053 5.25%
    Under 20% 5 $785,000 $157,000 $1,185 5.53%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 5 2.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 16 9.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 36 21.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 8 4.7%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 7 4.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 41 24.0%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 4 2.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 15 8.8%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 1 0.6%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Community Federal National Association 1015 Hwy 15 S Fairmont, MN 56031 Full Service B&M $18,349
    Citizens Community Federal National Association 104 Main Street Minnesota Lake, MN 56068 Full Service B&M $11,047
    Citizens Community Federal National Association 1123 South Minnesota Ave Saint Peter, MN 56082 Full Service B&M $12,365
    Citizens Community Federal National Association 1204 West Knapp Street Rice Lake, WI 54868 Full Service B&M $34,141
    Citizens Community Federal National Association 150 Western Ave Faribault, MN 55021 Full Service Retail $20,796
    Citizens Community Federal National Association 180 St Andrews Dr Mankato, MN 56001 Full Service Retail $61,789
    Citizens Community Federal National Association 2125 Cameron St Eau Claire, WI 54703 Full Service B&M $30,163
    Citizens Community Federal National Association 218 North Broadway Street Ellsworth, WI 54011 Full Service B&M $2,179
    Citizens Community Federal National Association 219 Fairfax Street Altoona, WI 54720 Full Service B&M $260,781
    Citizens Community Federal National Association 2630 Bridge Ave Albert Lea, MN 56007 Full Service B&M $38,810
    Citizens Community Federal National Association 2727 Commercial Blvd Chippewa Falls, WI 54729 Full Service Retail $14,369
    Citizens Community Federal National Association 2789 22nd Street Rice Lake, WI 54868 Full Service B&M $7,651
    Citizens Community Federal National Association 2850 Decker Drive Rice Lake, WI 54868 Full Service B&M $27,010
    Citizens Community Federal National Association 303 South Main Street Blue Earth, MN 56013 Full Service B&M $24,265
    Citizens Community Federal National Association 310 W Tienken Road Rochester Hills, MI 48306 Full Service B&M $35,682
    Citizens Community Federal National Association 3151 South Service Drive Red Wing, MN 55066 Full Service Retail $13,831
    Citizens Community Federal National Association 322 North River Street Spooner, WI 54801 Full Service B&M $56,455
    Citizens Community Federal National Association 436 East La Salle Avenue Barron, WI 54812 Full Service B&M $28,751
    Citizens Community Federal National Association 501 1st Ave S Saint James, MN 56081 Full Service B&M $16,375
    Citizens Community Federal National Association 53 First Streeet, S.W. Wells, MN 56097 Full Service B&M $50,758
    Citizens Community Federal National Association 7035 10th Street N Oakdale, MN 55128 Full Service B&M $26,665
    Citizens Community Federal National Association 810 Miner Avenue West Ladysmith, WI 54848 Full Service B&M $20,573

    For 2018, Citizens Community Federal had 22 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $42,690
    Net interest income $34,685
    Total noninterest income $6,314
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,784
    Trading account gains and fees $0
    Additional Noninterest Income $4,530
    Pre-tax net operating income $9,608
    Securities gains (or losses, -) $-17
    Income before extraordinary items $6,871
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,871
    Minority interest net income $0
    Net income $6,871
    Sale, conversion, retirement of capital stock, net $382
    Net operating income $6,884

    Citizens Community Federal's gross interest income from loans was $42,690,000.
    Citizens Community Federal's net interest income from loans was $34,685,000.
    Citizens Community Federal's fee based income from loans was $1,784,000.
    Citizens Community Federal's net income from loans was $6,871,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,005
    Provision for credit losses $2,150
    Total noninterest expense $29,241
    Salaries and employee benefits $15,477
    Premises and equipment expense $4,317
    Additional noninterest expense $9,447
    Applicable income taxes $2,720
    Net charge-offs $405
    Cash dividends $0

    Citizens Community Federal's interest expense for loans was $8,005,000.
    Citizens Community Federal's payroll and benefits expense were $15,477,000.
    Citizens Community Federal's property, plant and equipment expenses $4,317,000.

    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 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    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 $1,017,100
    Deposits held in domestic offices $1,017,100
    Deposits by Individuals, partnerships, and corporations $858,418
    Deposits by U.S. Government $7
    Deposits by States and political subdivisions in the U.S. $94,087
    Deposits by Commercial banks and other depository institutions in U.S. $64,588
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $332,959
    Demand deposits $311,031
    Nontransaction accounts $684,141
    Money market deposit accounts (MMDAs) $126,021
    Other savings deposits (excluding MMDAs) $193,657
    Total time deposits $364,463
    Total time and savings deposits $706,069
    Noninterest-bearing deposits $163,720
    Interest-bearing deposits $853,380
    Retail deposits $922,902
    IRAs and Keogh plan accounts $39,943
    Brokered deposits $55,330
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,288,089
    Cash & Balances due from depository institutions $52,977
    Interest-bearing balances $30,561
    Total securities $151,575
    Federal funds sold & reverse repurchase $266
    Net loans and leases $987,480
    Loan and leases loss allowance $7,604
    Trading account assets $0
    Bank premises and fixed assets $13,077
    Other real estate owned $2,522
    Goodwill and other intangibles $43,323
    All other assets $36,869

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,288,089
    Total Liabilities $1,132,119
    Total deposits $1,017,100
    Interest-bearing deposits $853,380
    Deposits held in domestic offices $1,017,100
    % insured (estimated) $85
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $109,813
    Subordinated debt $0
    All other liabilities $5,206

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $987,480
    Loan and leases loss allowance $7,604
    Total loans and leases (domestic) $995,084
    All real estate loans $755,421
    Real estate loans in domestic offices $755,421
    Construction and development loans $34,717
    Residential 1-4 family construction $14,443
    Other construction, all land development and other land $20,274
    Loans secured by nonfarm nonresidential properties $266,965
    Nonfarm nonresidential secured by owner-occupied properties $133,736
    Commercial real estate & other non-farm, non-residential $133,229
    Multifamily residential real estate $69,399
    1-4 family residential loans $298,325
    Farmland loans $86,015
    Loans held in foreign offices $0
    Farm loans $36,327
    Commercial and industrial loans $97,509
    To non-U.S. addressees $0
    Loans to individuals $92,789
    Credit card loans $0
    Related Plans $1,391
    Consumer Auto Loans $10,709
    Other loans to individuals $80,689
    All other loans & leases $13,038
    Loans to foreign governments and official institutions $0
    Other loans $283
    Loans to depository institutions and acceptances of other banks $1,688
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,692
    Non 1-4 family restructured loans & leases $2,496
    Total loans and leases (foreign) $0

    Citizens Community Federal had $987,480,000 of loans outstanding in 2018. $755,421,000 of loans were in real estate loans. $34,717,000 of loans were in development loans. $69,399,000 of loans were in multifamily mortgage loans. $298,325,000 of loans were in 1-4 family mortgage loans. $36,327,000 of loans were in farm loans. $0 of loans were in credit card loans. $10,709,000 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 407 $76,954 $189,076
    Nonfarm, nonresidential loans - <$100k 131 $5,182 $39,557
    Nonfarm, nonresidential loans - $100-250k 131 $16,823 $128,420
    Nonfarm, nonresidential loans - $250k-1MM 145 $54,949 $378,959
    Commercial & Industrial, US addressed loans - <$1MM 625 $12,794 $20,470
    Commercial & Industrial, US addressed loans - <$100k 399 $2,013 $5,045
    Commercial & Industrial, US addressed loans - $100-250k 131 $3,286 $25,084
    Commercial & Industrial, US addressed loans - $250k-1MM 95 $7,495 $78,895
    Farmland loans - <$1MM 362 $44,091 $121,798
    Farmland loans - <$100k 151 $6,026 $39,907
    Farmland loans - $100-250k 135 $17,058 $126,356
    Farmland loans - $250k-1MM 76 $21,007 $276,408
    Agriculture operations loans - <$1MM 308 $20,565 $66,769
    Agriculture operations loans - <$100k 218 $6,788 $31,138
    Agriculture operations loans - $100-250k 57 $4,898 $85,930
    Agriculture operations loans - $250k-1MM 33 $8,879 $269,061