Sterling National Bank Mortgage Rates, Fees & Info

Pearl River, NY

LEI: 549300TN38DPH732VI61

Tax ID: 13-1726107

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Mortgage Data

Bank Data

Review & Overview

Sterling National Bank is a smaller bank specializing in Home Purchase and Refi loans. Sterling National Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Deltona, Kansas City, Poughkeepsie, and Kingston among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

Sterling National Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Sterling 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.

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Originations

85

Origination Dollar Volume (All Markets)

$368,605,000

Employee count

1,460

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
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 73 $307,205,000 $4,208,288 $3,512 3.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $20,205,000 $20,205,000 $0 4.40%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $16,855,000 $16,855,000 $0 3.50%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $7,940,000 $1,985,000 $4,403 4.02%
KINGSTON, NY (FHA|USDA|VA) 1 $5,325,000 $5,325,000 $0 3.20%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $5,010,000 $2,505,000 $0 3.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $3,815,000 $3,815,000 $0 3.70%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $2,175,000 $2,175,000 $0 3.70%
Outside of Metro Areas 1 $75,000 $75,000 $4,083 3.75%
Sterling National Bank's top markets include New York, Deltona, Kansas City, Poughkeepsie, and Kingston among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 85 $368,605,000 $4,336,529 $3,602 3.75%

    For 2020, Sterling National Bank's most frequently originated type of loan was Conventional, with 85 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 46 $112,440,000 $2,444,348 $3,546 3.70%
    Refi 35 $220,945,000 $6,312,714 $5,014 3.78%
    Cash Out Refi 3 $34,415,000 $11,471,667 $0 4.11%
    Home Improvement 1 $805,000 $805,000 $0 4.10%

    For 2020, Sterling National Bank's most frequently cited loan purpose was Home Purchase, with 46 originations. The 2nd most popular reason was Refi, with 35 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 32 $22,970,000 $717,813 $3,602 3.68%
    5 Year 18 $126,000,000 $7,000,000 $0 3.69%
    Other 18 $175,450,000 $9,747,222 $0 3.67%
    10 Year 12 $17,170,000 $1,430,833 $0 3.97%
    3 Year 3 $21,865,000 $7,288,333 $0 3.50%
    15 Year 2 $5,150,000 $2,575,000 $0 5.25%

    For 2020, Sterling National Bank's most frequently cited loan duration was 30 Year, with 32 originations. The 2nd most popular length was 5 Year, with 18 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 20 $4,870,000 $243,500
    $<1k 9 $585,000 $65,000

    Sterling National Bank's average total fees were $3,602, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 20 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 72 $268,320,000 $3,726,667
    4-5% 10 $91,520,000 $9,152,000
    6-7% 2 $1,260,000 $630,000
    2.5-3% 1 $7,505,000 $7,505,000

    During 2020, Sterling National Bank's average interest rate for loans was 3.68%, while their most frequently originated rate bucket for loans was 3-4%, with 72 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 49 $360,195,000 $7,350,918 $0 3.76%
    $200k-400k 15 $4,385,000 $292,333 $4,800 3.74%
    $100,000 or less 11 $425,000 $38,636 $1,500 3.61%
    $100k-200k 5 $665,000 $133,000 $4,210 4.09%
    $400k-600k 3 $1,335,000 $445,000 $3,321 3.67%
    $600k-1MM 2 $1,600,000 $800,000 $0 3.70%

    2020 saw Sterling National Bank place emphasis on $1MM+ loans with 49 originations, totaling $360,195,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 13 $4,085,000 $314,231 $4,583 3.75%
    $50k-75k 9 $765,000 $85,000 $3,088 3.64%
    $50k or less 7 $605,000 $86,429 $2,078 3.57%

    Sterling National Bank lent most frequently to those with incomes in the $75k-100k range, with 13 originations. The second most popular income band? $50k-75k, with 9 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 7 $995,000 $142,143 $3,405 3.61%
    42% 5 $1,325,000 $265,000 $4,004 3.75%
    39% 4 $1,020,000 $255,000 $3,898 3.69%
    41% 4 $720,000 $180,000 $3,546 3.69%
    38% 3 $595,000 $198,333 $3,213 3.75%
    37% 2 $240,000 $120,000 $3,922 3.38%
    36% 2 $260,000 $130,000 $2,268 3.75%
    <20% 1 $135,000 $135,000 $3,491 3.75%
    40% 1 $165,000 $165,000 $5,478 3.75%

    Sterling National Bank lent most frequently to those with DTI ratios of 30-36%, with 7 originations. The next most common DTI ratio? 42%, with 5 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 54 $360,750,000 $6,680,556 $0 3.74%
    White 17 $5,915,000 $347,941 $3,846 3.84%
    Black 11 $1,065,000 $96,818 $2,670 3.70%
    Not provided 2 $480,000 $240,000 $4,148 3.63%
    Asian 1 $395,000 $395,000 $6,312 3.75%

    Approval Rates

    Total approvals of all applications
    91.13%

    Sterling National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    92.94%

    Sterling National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 3 $65,000 $21,667
    NA 82 $368,540,000 $4,494,390

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 43 $348,165,000 $8,096,860
    Single Family (1-4 Units):Site-Built 42 $20,440,000 $486,667

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 9 $45,125,000 $5,013,889 $0 3.90%
    40-60% 9 $30,785,000 $3,420,556 $0 3.82%
    60-80% 26 $183,140,000 $7,043,846 $3,697 3.65%
    80-100% 29 $20,705,000 $713,966 $3,595 3.72%
    Over 100% 6 $69,920,000 $11,653,333 $0 4.24%
    Under 20% 6 $18,930,000 $3,155,000 $0 3.54%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    STERLING BANCORP Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.6%
    STERLING BANCORP Conventional home mortgage Closing on a mortgage 3 10.7%
    STERLING BANCORP Conventional home mortgage Struggling to pay mortgage 5 17.9%
    STERLING BANCORP Conventional home mortgage Trouble during payment process 12 42.9%
    STERLING BANCORP Home equity loan or line of credit (HELOC) Closing on a mortgage 2 7.1%
    STERLING BANCORP Home equity loan or line of credit (HELOC) Trouble during payment process 2 7.1%
    STERLING BANCORP Other type of mortgage Struggling to pay mortgage 1 3.6%
    STERLING BANCORP Other type of mortgage Trouble during payment process 2 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Sterling National Bank 1 Industrial Drive, Suite 100 Middletown, NY 10941 Full Service B&M $372,992
    Sterling National Bank 1 Lake Road West, Suite 1 Congers, NY 10920 Full Service B&M $103,068
    Sterling National Bank 1001 Park Blvd. Massapequa Park, NY 11762 Full Service B&M $112,985
    Sterling National Bank 101 Church Avenue Brooklyn, NY 11218 Full Service B&M $161,153
    Sterling National Bank 1015 Route 112 Port Jefferson Station, NY 11776 Full Service B&M $157,650
    Sterling National Bank 1047 North Country Road Stony Brook, NY 11790 Full Service B&M $96,515
    Sterling National Bank 110 Seventh Avenue Brooklyn, NY 11215 Full Service B&M $111,393
    Sterling National Bank 1133 Westchester Avenue, Suite N224 White Plains, NY 10604 Full Service B&M $41
    Sterling National Bank 1149 Wantagh Avenue Wantagh, NY 11793 Full Service B&M $117,170
    Sterling National Bank 1150 Franklin Ave Garden City, NY 11530 Full Service B&M $182,860
    Sterling National Bank 120 South Franklin Avenue Valley Stream, NY 11580 Full Service B&M $127,646
    Sterling National Bank 1401 Avenue M Brooklyn, NY 11230 Full Service B&M $105,759
    Sterling National Bank 153 South Liberty Dr Route 9w Stony Point, NY 10980 Full Service B&M $162,854
    Sterling National Bank 153-17 Cross Island Parkway Whitestone, NY 11357 Full Service B&M $327,129
    Sterling National Bank 155 Jericho Turnpike Floral Park, NY 11001 Full Service B&M $211,174
    Sterling National Bank 1550 Flatbush Avenue Brooklyn, NY 11210 Full Service B&M $133,652
    Sterling National Bank 162 Hillside Avenue Williston Park, NY 11596 Full Service B&M $143,849
    Sterling National Bank 164 Manetto Hill Rd Plainview, NY 11803 Full Service B&M $168,456
    Sterling National Bank 179 South Main Street New City, NY 10956 Full Service B&M $137,205
    Sterling National Bank 179-25 Hillside Avenue Jamaica, NY 11432 Full Service B&M $131,982
    Sterling National Bank 18 Oakland Avenue Warwick, NY 10990 Full Service B&M $184,534
    Sterling National Bank 180 East Main Street East Islip, NY 11730 Full Service B&M $225,985
    Sterling National Bank 180 West Main Street Babylon, NY 11702 Full Service B&M $184,116
    Sterling National Bank 1880 Middle Country Rd Ridge, NY 11961 Full Service B&M $120,300
    Sterling National Bank 196 Route 59 Airmont, NY 10901 Full Service B&M $134,521
    Sterling National Bank 2090 East Merrick Road Merrick, NY 11566 Full Service B&M $126,631
    Sterling National Bank 30-33 Stratton Street Flushing, NY 11354 Full Service B&M $52,841
    Sterling National Bank 300 East Main Street Bay Shore, NY 11706 Full Service B&M $96,524
    Sterling National Bank 31-24 Ditmars Blvd Long Island City, NY 11105 Full Service B&M $259,380
    Sterling National Bank 3105 Hempstead Tpke Levittown, NY 11756 Full Service B&M $183,846
    Sterling National Bank 320 Walt Whitman Rd Huntington Station, NY 11746 Full Service B&M $139,633
    Sterling National Bank 325 Route 25a Rocky Point, NY 11778 Full Service B&M $168,187
    Sterling National Bank 33 Main St Kings Park, NY 11754 Full Service B&M $140,188
    Sterling National Bank 339 Merrick Road Rockville Centre, NY 11570 Full Service B&M $119,787
    Sterling National Bank 35 E Grassy Sprain Rd Yonkers, NY 10710 Full Service B&M $2,999,836
    Sterling National Bank 3535 Long Beach Road, Sands Shopping Center Oceanside, NY 11572 Full Service B&M $123,381
    Sterling National Bank 360 Merrick Rd Lynbrook, NY 11563 Full Service B&M $171,290
    Sterling National Bank 361 Sunrise Hwy Patchogue, NY 11772 Full Service B&M $141,272
    Sterling National Bank 363 Hempstead Avenue Malverne, NY 11565 Full Service B&M $128,698
    Sterling National Bank 369 East 149th Street Bronx, NY 10455 Full Service B&M $24,632
    Sterling National Bank 37-16 30th Avenue Long Island City, NY 11103 Full Service B&M $344,582
    Sterling National Bank 375 Route 303 Orangeburg, NY 10962 Full Service B&M $98,236
    Sterling National Bank 38-40 New Main Street Haverstraw, NY 10927 Full Service B&M $27,085
    Sterling National Bank 3887 Merrick Road Seaford, NY 11783 Full Service B&M $100,789
    Sterling National Bank 4 Great Neck Road Great Neck, NY 11021 Full Service B&M $159,634
    Sterling National Bank 40 Church Street White Plains, NY 10601 Full Service B&M $79,039
    Sterling National Bank 400 Rella Boulevard Montebello, NY 10901 Full Service B&M $9,176,197
    Sterling National Bank 4302 18th Avenue Brooklyn, NY 11218 Full Service B&M $103,100
    Sterling National Bank 44 Cedar Swamp Road Glen Cove, NY 11542 Full Service B&M $179,157
    Sterling National Bank 44 West Route 59 Nanuet, NY 10954 Full Service B&M $111,313
    Sterling National Bank 459 5th Avenue Brooklyn, NY 11215 Full Service B&M $134,145
    Sterling National Bank 46-08 Francis Lewis Blvd Flushing, NY 11361 Full Service B&M $237,962
    Sterling National Bank 489 Fifth Avenue New York, NY 10017 Full Service B&M $0
    Sterling National Bank 489 Neptune Avenue Brooklyn, NY 11224 Full Service B&M $242,241
    Sterling National Bank 50 Jackson Avenue Syosset, NY 11791 Full Service B&M $119,367
    Sterling National Bank 500 7th Ave New York, NY 10018 Full Service B&M $382,483
    Sterling National Bank 5193 Main Street South Fallsburg, NY 12779 Full Service B&M $53,457
    Sterling National Bank 5220 13th Avenue Brooklyn, NY 11219 Full Service B&M $90,449
    Sterling National Bank 526 Union Blvd West Islip, NY 11795 Full Service B&M $112,859
    Sterling National Bank 591 Route 17m Monroe, NY 10950 Full Service B&M $199,770
    Sterling National Bank 60 Matthews Street Goshen, NY 10924 Full Service B&M $61,558
    Sterling National Bank 60-20 Woodside Ave Woodside, NY 11377 Full Service B&M $146,212
    Sterling National Bank 61 S Paramus Road, Suite 116 Paramus, NJ 7652 Full Service B&M $644,278
    Sterling National Bank 61 South Broadway Yonkers, NY 10701 Full Service B&M $36,860
    Sterling National Bank 63-72 108th Street Forest Hills, NY 11375 Full Service B&M $191,821
    Sterling National Bank 6348 Route 25a Wading River, NY 11792 Full Service B&M $99,098
    Sterling National Bank 696 Horseblock Road Farmingville, NY 11738 Full Service B&M $139,340
    Sterling National Bank 7 Edward J. Lempka Drive Florida, NY 10921 Full Service B&M $111,593
    Sterling National Bank 70 Canal Street Ellenville, NY 12428 Full Service B&M $54,720
    Sterling National Bank 72-35 Broadway Jackson Heights, NY 11372 Full Service B&M $117,232
    Sterling National Bank 729 Saw Mill River Road Ardsley, NY 10502 Full Service B&M $212,371
    Sterling National Bank 75-25 Metropolitan Avenue Middle Village, NY 11379 Full Service B&M $191,318
    Sterling National Bank 839 New York Ave Huntington, NY 11743 Full Service B&M $66,252
    Sterling National Bank 845 Wheeler Road Hauppauge, NY 11788 Full Service B&M $139,891
    Sterling National Bank 865 Mclean Avenue Yonkers, NY 10704 Full Service B&M $89,978
    Sterling National Bank 955 Hempstead Turnpike Franklin Square, NY 11010 Full Service B&M $241,208
    Sterling National Bank 97-33 Queens Blvd. Rego Park, NY 11374 Full Service B&M $126,932
    Sterling National Bank 975 Allerton Avenue Bronx, NY 10469 Full Service B&M $75,483
    Sterling National Bank 995 Hicksville Rd Massapequa, NY 11758 Full Service B&M $135,422
    Sterling National Bank Towne Center At Somers 325 Route 100 Somers, NY 10589 Full Service B&M $130,566

    For 2020, Sterling National Bank had 80 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $1,014,021
    Net interest income $879,988
    Total noninterest income $121,009
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $18,179
    Trading account gains and fees $0
    Additional Noninterest Income $102,830
    Pre-tax net operating income $281,390
    Securities gains (or losses, -) $14,308
    Income before extraordinary items $258,479
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $258,479
    Minority interest net income $0
    Net income $258,479
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $246,031

    Sterling National Bank's gross interest income from loans was $1,014,021,000.
    Sterling National Bank's net interest income from loans was $879,988,000.
    Sterling National Bank's fee based income from loans was $18,179,000.
    Sterling National Bank's net income from loans was $258,479,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $134,033
    Provision for credit losses $252,386
    Total noninterest expense $467,221
    Salaries and employee benefits $222,602
    Premises and equipment expense $59,358
    Additional noninterest expense $185,261
    Applicable income taxes $37,219
    Net charge-offs $122,405
    Cash dividends $185,007

    Sterling National Bank's interest expense for loans was $134,033,000.
    Sterling National Bank's payroll and benefits expense were $222,602,000.
    Sterling National Bank's property, plant and equipment expenses $59,358,000.

    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 4.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 10.0%
    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 $23,307,929
    Deposits held in domestic offices $23,307,929
    Deposits by Individuals, partnerships, and corporations $21,658,932
    Deposits by U.S. Government $52
    Deposits by States and political subdivisions in the U.S. $1,648,945
    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 $2,006,533
    Demand deposits $2,006,533
    Nontransaction accounts $21,301,396
    Money market deposit accounts (MMDAs) $16,642,805
    Other savings deposits (excluding MMDAs) $2,663,256
    Total time deposits $1,995,335
    Total time and savings deposits $21,301,396
    Noninterest-bearing deposits $5,553,096
    Interest-bearing deposits $17,754,833
    Retail deposits $21,453,230
    IRAs and Keogh plan accounts $975,168
    Brokered deposits $1,579,211
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $29,739,853
    Cash & Balances due from depository institutions $305,002
    Interest-bearing balances $169,172
    Total securities $4,039,456
    Federal funds sold & reverse repurchase $0
    Net loans and leases $21,534,058
    Loan and leases loss allowance $326,100
    Trading account assets $149,797
    Bank premises and fixed assets $202,555
    Other real estate owned $5,347
    Goodwill and other intangibles $1,733,065
    All other assets $1,770,573

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $29,739,853
    Total Liabilities $24,858,012
    Total deposits $23,307,929
    Interest-bearing deposits $17,754,833
    Deposits held in domestic offices $23,307,929
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $304,101
    Trading liabilities $60,004
    Other borrowed funds $382,000
    Subordinated debt $143,703
    All other liabilities $660,275

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $21,534,058
    Loan and leases loss allowance $326,100
    Total loans and leases (domestic) $21,860,158
    All real estate loans $12,686,335
    Real estate loans in domestic offices $12,686,335
    Construction and development loans $642,906
    Residential 1-4 family construction $31,553
    Other construction, all land development and other land $611,353
    Loans secured by nonfarm nonresidential properties $5,843,556
    Nonfarm nonresidential secured by owner-occupied properties $780,235
    Commercial real estate & other non-farm, non-residential $5,063,321
    Multifamily residential real estate $4,406,660
    1-4 family residential loans $1,792,849
    Farmland loans $364
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $5,375,866
    To non-U.S. addressees $0
    Loans to individuals $6,628
    Credit card loans $0
    Related Plans $4,956
    Consumer Auto Loans $0
    Other loans to individuals $1,672
    All other loans & leases $3,791,329
    Loans to foreign governments and official institutions $0
    Other loans $1,963,139
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $458,548
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $37,001
    Non 1-4 family restructured loans & leases $28,973
    Total loans and leases (foreign) $0

    Sterling National Bank had $21,534,058,000 of loans outstanding in 2020. $12,686,335,000 of loans were in real estate loans. $642,906,000 of loans were in development loans. $4,406,660,000 of loans were in multifamily mortgage loans. $1,792,849,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 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 702 $232,641 $331,397
    Nonfarm, nonresidential loans - <$100k 42 $1,715 $40,833
    Nonfarm, nonresidential loans - $100-250k 131 $13,408 $102,351
    Nonfarm, nonresidential loans - $250k-1MM 529 $217,518 $411,187
    Commercial & Industrial, US addressed loans - <$1MM 5,643 $639,273 $113,286
    Commercial & Industrial, US addressed loans - <$100k 2,611 $40,216 $15,403
    Commercial & Industrial, US addressed loans - $100-250k 1,414 $112,277 $79,404
    Commercial & Industrial, US addressed loans - $250k-1MM 1,618 $486,780 $300,853
    Farmland loans - <$1MM 2 $244 $122,000
    Farmland loans - $100-250k 1 $101 $101,000
    Farmland loans - $250k-1MM 1 $143 $143,000