American Bank & Trust Mortgage Rates, Fees & Info

Wessington Springs, SD

LEI: 549300T03X096VF60C57

Tax ID: 46-0108140

5 stars - out of 5 stars, based on 26 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    American Bank & Trust is a smaller bank specializing in Home Purchase and Cash Out Refi loans. American Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Sioux Falls, Watertown, Pierre, Huron, and Brookings among others. We have data for 37 markets. (Some data included below & more in-depth data is available with an active subscription.)

    American Bank & Trust 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. American Bank & Trust is typically an average 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 6.70% 11/26/22
    30 Year Conventional Refi 6.59% 11/26/22
    30 Year Cash-out Refi 6.78% 11/26/22
    30 Year FHA Purchase 7.64% 11/26/22
    30 Year FHA Refi 6.89% 11/26/22
    30 Year VA Purchase 6.19% 11/26/22
    30 Year VA Refi 6.06% 11/26/22
    30 Year USDA Purchase 6.74% 11/26/22
    15 Year Conventional Purchase 5.93% 11/26/22
    15 Year Conventional Refi 5.84% 11/26/22
    15 Year Cash-out Refi 5.84% 11/26/22
    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.


    Originations

    701

    Origination Dollar Volume (All Markets)

    $176,165,000

    Employee count

    160 Show all (9) awards

    Relative Rate

    American Bank & Trust's average 30 year fixed mortgage rate was 2.91%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.24%.

    Relative Fees (Closing Costs)

    American Bank & Trust's average total fees/closing costs for a 30 year fixed rate mortgage were $4,032.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    SIOUX FALLS, SD (FHA|USDA|VA) 247 $66,985,000 $271,194 $3,205 3.03%
    Watertown, SD (FHA|USDA|VA) 136 $35,980,000 $264,559 $3,913 2.76%
    Outside of Metro Areas 102 $18,700,000 $183,333 $3,772 2.91%
    Pierre, SD (FHA|USDA|VA) 71 $16,985,000 $239,225 $4,241 2.77%
    Huron, SD (FHA|USDA|VA) 76 $13,780,000 $181,316 $3,842 3.06%
    Brookings, SD (FHA|USDA|VA) 7 $6,035,000 $862,143 $3,963 3.53%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $2,335,000 $778,333 $11,124 2.92%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $1,795,000 $598,333 $6,097 2.88%
    RAPID CITY, SD (FHA|USDA|VA) 3 $1,545,000 $515,000 $3,777 2.63%
    Aberdeen, SD (FHA|USDA|VA) 6 $1,070,000 $178,333 $5,226 3.04%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $1,020,000 $255,000 $3,223 2.63%
    Mitchell, SD (FHA|USDA|VA) 6 $980,000 $163,333 $4,326 2.79%
    Spirit Lake, IA (FHA|USDA|VA) 3 $875,000 $291,667 $4,486 2.79%
    Alexandria, MN (FHA|USDA|VA) 2 $700,000 $350,000 $1,640 3.63%
    Spearfish, SD (FHA|USDA|VA) 2 $680,000 $340,000 $6,202 3.00%
    Worthington, MN (FHA|USDA|VA) 5 $665,000 $133,000 $3,152 3.03%
    BEND, OR (FHA|USDA|VA) 2 $660,000 $330,000 $0 3.63%
    Yankton, SD (FHA|USDA|VA) 2 $660,000 $330,000 $5,320 4.08%
    Pella, IA (FHA|USDA|VA) 2 $480,000 $240,000 $4,585 3.81%
    COLUMBUS, OH (FHA|USDA|VA) 1 $465,000 $465,000 $5,906 3.00%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $425,000 $425,000 $2,541 3.25%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $395,000 $395,000 $4,739 2.50%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.63%
    GREELEY, CO (FHA|USDA|VA) 1 $285,000 $285,000 $3,927 3.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $275,000 $275,000 $5,716 2.25%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $265,000 $265,000 $4,518 2.25%
    Vermillion, SD (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.95%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $225,000 $225,000 $1,868 2.63%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.75%
    Willmar, MN (FHA|USDA|VA) 2 $200,000 $100,000 $0 3.85%
    Marshall, MN (FHA|USDA|VA) 1 $195,000 $195,000 $6,518 2.49%
    Fergus Falls, MN (FHA|USDA|VA) 1 $175,000 $175,000 $3,599 2.38%
    ABILENE, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,104 3.00%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $135,000 $135,000 $4,055 3.13%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,965 2.13%
    Toccoa, GA (FHA|USDA|VA) 1 $85,000 $85,000 $3,075 2.25%
    Cornelia, GA (FHA|USDA|VA) 1 $65,000 $65,000 $1,998 2.00%
    American Bank & Trust's top markets include Sioux Falls, Watertown, Pierre, Huron, and Brookings among others.

    Their top states include:
  • South Dakota (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against American Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SIOUX FALLS
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    Similarity Rank: 1628
    BLACK HILLS FEDERAL CREDIT UNION
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    BANKWEST, INC.
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 622 $161,660,000 $259,904 $3,470 2.97%
    USDA 40 $6,130,000 $153,250 $4,621 2.56%
    FHA 28 $5,230,000 $186,786 $6,321 3.00%
    VA 11 $3,145,000 $285,909 $5,951 2.43%

    For 2021, American Bank & Trust's most frequently originated type of loan was Conventional, with 622 originations. Their 2nd most popular type was USDA, with 40 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 374 $95,720,000 $255,936 $4,228 3.07%
    Refi 158 $32,900,000 $208,228 $2,872 2.62%
    Cash Out Refi 144 $38,490,000 $267,292 $3,582 2.93%
    Home Improvement 15 $6,955,000 $463,667 $2,542 3.11%
    Other 10 $2,100,000 $210,000 $3,157 2.80%

    For 2021, American Bank & Trust's most frequently cited loan purpose was Home Purchase, with 374 originations. The 2nd most popular reason was Refi, with 158 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 427 $103,985,000 $243,525 $4,032 2.91%
    15 Year 114 $23,630,000 $207,281 $3,017 2.21%
    5 Year 83 $32,435,000 $390,783 $4,075 4.11%
    20 Year 30 $6,720,000 $224,000 $2,873 2.76%
    Other 25 $5,045,000 $201,800 $2,576 3.48%
    10 Year 18 $3,200,000 $177,778 $2,796 2.14%
    1 Year 4 $1,150,000 $287,500 $5,456 4.32%

    For 2021, American Bank & Trust's most frequently cited loan duration was 30 Year, with 427 originations. The 2nd most popular length was 15 Year, with 114 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 191 $31,505,000 $164,948
    $<1k 169 $34,425,000 $203,698
    $2k-3k 144 $36,920,000 $256,389
    $3k-4k 55 $18,235,000 $331,545
    $4k-5k 20 $8,360,000 $418,000
    $5k+ 19 $14,045,000 $739,211

    American Bank & Trust's average total fees were $4,032, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 191 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 258 $61,390,000 $237,946
    <2.5% 210 $45,160,000 $215,048
    3-4% 184 $59,410,000 $322,880
    4-5% 45 $9,675,000 $215,000
    5-6% 4 $530,000 $132,500

    During 2021, American Bank & Trust's average interest rate for loans was 2.91%, while their most frequently originated rate bucket for loans was 2.5-3%, with 258 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 285 $76,685,000 $269,070 $3,938 2.91%
    $100k-200k 254 $38,170,000 $150,276 $3,137 2.92%
    $100,000 or less 76 $5,140,000 $67,632 $2,288 3.00%
    $400k-600k 71 $33,505,000 $471,901 $5,234 2.90%
    $600k-1MM 9 $6,895,000 $766,111 $8,967 3.42%
    $1MM+ 6 $15,770,000 $2,628,333 $16,734 3.64%

    2021 saw American Bank & Trust place emphasis on $200k-400k loans with 285 originations, totaling $76,685,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 138 $24,580,000 $178,116 $3,569 2.77%
    $100k-150k 130 $32,690,000 $251,462 $3,756 2.88%
    $75k-100k 128 $27,390,000 $213,984 $3,545 2.89%
    $50k or less 99 $13,365,000 $135,000 $3,113 2.79%
    $150k-250k 89 $28,595,000 $321,292 $3,999 2.74%
    $250k+ 70 $27,450,000 $392,143 $5,429 3.05%

    American Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 138 originations. The second most popular income band? $100k-150k, with 130 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 192 $47,070,000 $245,156 $3,695 2.76%
    30-36% 146 $33,670,000 $230,616 $3,714 2.76%
    <20% 65 $14,325,000 $220,385 $3,279 2.81%
    39% 26 $6,020,000 $231,538 $3,875 2.79%
    41% 25 $6,615,000 $264,600 $4,357 2.78%
    37% 25 $6,355,000 $254,200 $4,665 2.95%
    38% 21 $5,095,000 $242,619 $3,763 2.81%
    43% 20 $6,170,000 $308,500 $4,385 2.66%
    36% 20 $4,410,000 $220,500 $4,418 3.04%
    42% 16 $3,060,000 $191,250 $3,711 3.09%
    40% 15 $3,495,000 $233,000 $2,991 2.93%
    44% 13 $2,715,000 $208,846 $2,815 2.71%
    46% 13 $2,435,000 $187,308 $2,711 2.92%
    45% 10 $2,660,000 $266,000 $4,599 2.78%
    48% 10 $1,950,000 $195,000 $3,615 2.84%
    49% 9 $1,995,000 $221,667 $3,882 3.32%
    >60% 8 $1,900,000 $237,500 $3,349 3.65%
    50-60% 4 $830,000 $207,500 $4,603 2.75%
    47% 4 $900,000 $225,000 $3,009 2.81%

    American Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 192 originations. The next most common DTI ratio? 30-36%, with 146 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 576 $135,190,000 $234,705 $3,694 2.84%
    Not applicable 44 $21,730,000 $493,864 $0 4.23%
    Not provided 63 $15,235,000 $241,825 $3,846 2.90%
    Asian 6 $1,440,000 $240,000 $4,308 3.06%
    American Indian 6 $1,060,000 $176,667 $4,376 2.88%
    Black 2 $730,000 $365,000 $5,248 2.75%
    Asian Indian 1 $355,000 $355,000 $3,478 2.88%
    Other Asian 1 $235,000 $235,000 $6,502 2.38%
    Native Hawaiian or Islander 1 $125,000 $125,000 $3,085 3.63%
    Vietnamese 1 $65,000 $65,000 $1,998 2.00%

    Approval Rates

    Total approvals of all applications
    96.14%

    American Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    86.45%

    American Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 701 $176,165,000 $251,305

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    701 $176,165,000 $251,305

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 34 $4,460,000 $131,176 $2,448 2.68%
    40-60% 82 $17,160,000 $209,268 $3,052 2.54%
    60-80% 283 $73,095,000 $258,286 $3,481 2.99%
    80-100% 279 $74,345,000 $266,470 $4,313 2.97%
    Over 100% 9 $2,785,000 $309,444 $10,634 3.73%
    Under 20% 14 $4,320,000 $308,571 $1,007 3.68%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    America Trust Funding-Mortgage, Bankers LLC Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    American Bank & Trust 212 Calumet Avenue, S.E. De Smet, SD 57231 Full Service B&M $97,620
    American Bank & Trust 100 Main Street Alpena, SD 57312 Full Service B&M $12,230
    American Bank & Trust 120 East Main Street Wessington Springs, SD 57382 Full Service B&M $68,765
    American Bank & Trust 131 North Broadway Miller, SD 57362 Full Service B&M $93,496
    American Bank & Trust 1600 4th Street Ne Watertown, SD 57201 Full Service B&M $15,742
    American Bank & Trust 1820 Dakota Avneue South, P.O. Box 838 Huron, SD 57350 Full Service B&M $150,900
    American Bank & Trust 200 East 10th Street Sioux Falls, SD 57104 Full Service B&M $139,629
    American Bank & Trust 201 S Ottowa St Iroquois, SD 57353 Full Service B&M $30,848
    American Bank & Trust 221 Main Street Stickney, SD 57375 Full Service B&M $62,705
    American Bank & Trust 221 Main Street West Carthage, SD 57323 Full Service B&M $25,744
    American Bank & Trust 265 Commercial Avenue, Sw Wolsey, SD 57384 Full Service B&M $37,623
    American Bank & Trust 3405 S Sycamore Ave Sioux Falls, SD 57110 Full Service B&M $33,241
    American Bank & Trust 4 Main Street Mellette, SD 57461 Full Service B&M $45,233
    American Bank & Trust 6810 S. Minnesota Ave Sioux Falls, SD 57108 Full Service B&M $8,938
    American Bank & Trust 700 East Sioux Avenue Pierre, SD 57501 Full Service B&M $237,465

    For 2021, American Bank & Trust had 15 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $45,228
    Net interest income $42,446
    Total noninterest income $10,951
    Gross Fiduciary activities income $914
    Service charges on deposit accounts $661
    Trading account gains and fees $0
    Additional Noninterest Income $9,376
    Pre-tax net operating income $24,489
    Securities gains (or losses, -) $0
    Income before extraordinary items $23,176
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $23,176
    Minority interest net income $0
    Net income $23,176
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $23,176

    American Bank & Trust's gross interest income from loans was $45,228,000.
    American Bank & Trust's net interest income from loans was $42,446,000.
    American Bank & Trust's fee based income from loans was $661,000.
    American Bank & Trust's net income from loans was $23,176,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,782
    Provision for credit losses $0
    Total noninterest expense $28,908
    Salaries and employee benefits $18,370
    Premises and equipment expense $2,634
    Additional noninterest expense $7,904
    Applicable income taxes $1,313
    Net charge-offs $-199
    Cash dividends $14,500

    American Bank & Trust's interest expense for loans was $2,782,000.
    American Bank & Trust's payroll and benefits expense were $18,370,000.
    American Bank & Trust's property, plant and equipment expenses $2,634,000.

    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 $1,142,264
    Deposits held in domestic offices $1,142,264
    Deposits by Individuals, partnerships, and corporations $940,856
    Deposits by U.S. Government $427
    Deposits by States and political subdivisions in the U.S. $200,981
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $690,790
    Demand deposits $273,316
    Nontransaction accounts $451,474
    Money market deposit accounts (MMDAs) $121,402
    Other savings deposits (excluding MMDAs) $147,779
    Total time deposits $182,292
    Total time and savings deposits $868,948
    Noninterest-bearing deposits $273,316
    Interest-bearing deposits $868,948
    Retail deposits $1,088,319
    IRAs and Keogh plan accounts $16,259
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,319,953
    Cash & Balances due from depository institutions $112,584
    Interest-bearing balances $95,214
    Total securities $292,022
    Federal funds sold & reverse repurchase $276
    Net loans and leases $854,905
    Loan and leases loss allowance $13,339
    Trading account assets $0
    Bank premises and fixed assets $14,536
    Other real estate owned $0
    Goodwill and other intangibles $9,641
    All other assets $35,989

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,319,953
    Total Liabilities $1,189,346
    Total deposits $1,142,264
    Interest-bearing deposits $868,948
    Deposits held in domestic offices $1,142,264
    % insured (estimated) $57
    Federal funds purchased and repurchase agreements $14,393
    Trading liabilities $0
    Other borrowed funds $25,111
    Subordinated debt $0
    All other liabilities $7,578

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $854,905
    Loan and leases loss allowance $13,339
    Total loans and leases (domestic) $868,244
    All real estate loans $432,632
    Real estate loans in domestic offices $432,632
    Construction and development loans $63,788
    Residential 1-4 family construction $3,328
    Other construction, all land development and other land $60,460
    Loans secured by nonfarm nonresidential properties $207,488
    Nonfarm nonresidential secured by owner-occupied properties $32,391
    Commercial real estate & other non-farm, non-residential $175,097
    Multifamily residential real estate $28,794
    1-4 family residential loans $44,303
    Farmland loans $88,259
    Loans held in foreign offices $0
    Farm loans $212,855
    Commercial and industrial loans $177,423
    To non-U.S. addressees $0
    Loans to individuals $16,738
    Credit card loans $1,198
    Related Plans $186
    Consumer Auto Loans $9,848
    Other loans to individuals $5,506
    All other loans & leases $28,595
    Loans to foreign governments and official institutions $0
    Other loans $0
    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

    American Bank & Trust had $854,905,000 of loans outstanding in 2021. $432,632,000 of loans were in real estate loans. $63,788,000 of loans were in development loans. $28,794,000 of loans were in multifamily mortgage loans. $44,303,000 of loans were in 1-4 family mortgage loans. $212,855,000 of loans were in farm loans. $1,198,000 of loans were in credit card loans. $9,848,000 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 159 $38,251 $240,572
    Nonfarm, nonresidential loans - <$100k 32 $1,294 $40,438
    Nonfarm, nonresidential loans - $100-250k 58 $8,617 $148,569
    Nonfarm, nonresidential loans - $250k-1MM 69 $28,340 $410,725
    Commercial & Industrial, US addressed loans - <$1MM 565 $50,341 $89,099
    Commercial & Industrial, US addressed loans - <$100k 330 $8,606 $26,079
    Commercial & Industrial, US addressed loans - $100-250k 136 $14,084 $103,559
    Commercial & Industrial, US addressed loans - $250k-1MM 99 $27,651 $279,303
    Farmland loans - <$1MM 206 $30,091 $146,073
    Farmland loans - <$100k 39 $1,614 $41,385
    Farmland loans - $100-250k 94 $11,523 $122,585
    Farmland loans - $250k-1MM 73 $16,954 $232,247
    Agriculture operations loans - <$1MM 629 $50,423 $80,164
    Agriculture operations loans - <$100k 316 $6,152 $19,468
    Agriculture operations loans - $100-250k 180 $16,380 $91,000
    Agriculture operations loans - $250k-1MM 133 $27,891 $209,707