Sound Community Bank Mortgage Rates, Fees & Info

Seattle, WA

LEI: 549300U8DCOOTG96YM89

Tax ID: 91-0619653

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Mortgage Data

Bank Data

Review & Overview

Sound Community Bank is a smaller bank specializing in Home Purchase, Cash Out Refi, and Refi loans. Sound Community Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Seattle, Port Angeles, Bellingham, Bremerton, and Mount Vernon among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)

Sound Community Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Sound Community 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.

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 6.55% 3/28/24
30 Year Conventional Refi 6.77% 3/28/24
30 Year Cash-out Refi 6.81% 3/28/24
15 Year Conventional Purchase 9.13% 3/28/24
15 Year Conventional Refi 7.14% 3/28/24
15 Year Cash-out Refi 7.14% 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.

Sound Community Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Sound Community Bank. 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

391

Origination Dollar Volume (All Markets)

$124,375,000

Employee count

118

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
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 138 $62,000,000 $449,275 $5,772 9.44%
Port Angeles, WA (FHA|USDA|VA) 171 $34,475,000 $201,608 $3,771 4.63%
BELLINGHAM, WA (FHA|USDA|VA) 5 $8,235,000 $1,647,000 $4,021 4.45%
Outside of Metro Areas 26 $6,630,000 $255,000 $4,118 5.16%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 16 $5,750,000 $359,375 $5,512 6.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,345,000 $448,333 $4,803 5.46%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 7 $725,000 $103,571 $6,194 8.41%
Ellensburg, WA (FHA|USDA|VA) 4 $710,000 $177,500 $4,612 5.78%
Oak Harbor, WA (FHA|USDA|VA) 4 $700,000 $175,000 $4,641 5.72%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $485,000 $485,000 $3,508 3.63%
Bozeman, MT (FHA|USDA|VA) 1 $445,000 $445,000 $7,062 3.75%
Centralia, WA (FHA|USDA|VA) 4 $440,000 $110,000 $3,870 7.91%
WENATCHEE, WA (FHA|USDA|VA) 2 $410,000 $205,000 $3,838 4.63%
PROVO-OREM, UT (FHA|USDA|VA) 1 $345,000 $345,000 $3,148 4.25%
Outside of Metro Areas 1 $315,000 $315,000 $5,189 3.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $315,000 $315,000 $3,067 5.13%
MISSOULA, MT (FHA|USDA|VA) 1 $285,000 $285,000 $3,879 4.75%
Moses Lake, WA (FHA|USDA|VA) 1 $275,000 $275,000 $2,860 4.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $4,216 4.25%
Shelton, WA (FHA|USDA|VA) 1 $105,000 $105,000 $3,212 4.50%
Aberdeen, WA (FHA|USDA|VA) 1 $75,000 $75,000 $2,745 4.50%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $3,484 4.63%
Sound Community Bank's top markets include Seattle, Port Angeles, Bellingham, Bremerton, and Mount Vernon among others.

Their top states include:
  • Washington (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 379 $120,915,000 $319,037 $4,267 6.65%
    VA 7 $2,245,000 $320,714 $7,697 3.55%
    USDA 5 $1,215,000 $243,000 $6,088 3.35%

    For 2019, Sound Community Bank's most frequently originated type of loan was Conventional, with 379 originations. Their 2nd most popular type was VA, with 7 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 162 $51,160,000 $315,802 $4,827 9.00%
    Cash Out Refi 120 $29,670,000 $247,250 $4,123 5.12%
    Refi 84 $38,680,000 $460,476 $4,469 4.54%
    Home Improvement 25 $4,865,000 $194,600 $3,494 4.25%

    For 2019, Sound Community Bank's most frequently cited loan purpose was Home Purchase, with 162 originations. The 2nd most popular reason was Cash Out Refi, with 120 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 217 $76,315,000 $351,682 $4,677 4.35%
    15 Year 130 $14,820,000 $114,000 $3,404 7.62%
    20 Year 27 $4,785,000 $177,222 $3,791 5.52%
    5 Year 8 $10,200,000 $1,275,000 $3,922 5.31%
    10 Year 7 $8,235,000 $1,176,429 $3,617 3.75%
    Other 2 $10,020,000 $5,010,000 $0 203.63%

    For 2019, Sound Community Bank's most frequently cited loan duration was 30 Year, with 217 originations. The 2nd most popular length was 15 Year, with 130 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 121 $30,415,000 $251,364
    $<1k 70 $15,740,000 $224,857
    $2k-3k 37 $7,535,000 $203,649
    $3k-4k 32 $9,230,000 $288,438
    $5k+ 21 $19,335,000 $920,714
    $4k-5k 11 $4,285,000 $389,545

    Sound Community Bank's average total fees were $4,677, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 121 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 125 $34,515,000 $276,120
    4-5% 103 $55,805,000 $541,796
    Over 8% 96 $12,030,000 $125,313
    5-6% 34 $15,510,000 $456,176
    6-7% 24 $4,620,000 $192,500
    2.5-3% 7 $1,675,000 $239,286
    <2.5% 1 $155,000 $155,000
    7-8% 1 $65,000 $65,000

    During 2019, Sound Community Bank's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 3-4%, with 125 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 120 $33,540,000 $279,500 $4,268 4.31%
    $100,000 or less 106 $6,310,000 $59,528 $2,800 8.07%
    $100k-200k 103 $15,245,000 $148,010 $3,448 4.94%
    $400k-600k 29 $13,435,000 $463,276 $4,913 4.29%
    $1MM+ 20 $46,710,000 $2,335,500 $15,201 24.58%
    $600k-1MM 13 $9,135,000 $702,692 $7,125 4.75%

    2019 saw Sound Community Bank place emphasis on $200k-400k loans with 120 originations, totaling $33,540,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 100 $15,460,000 $154,600 $4,053 5.78%
    $50k or less 83 $8,595,000 $103,554 $3,615 6.41%
    $75k-100k 58 $10,820,000 $186,552 $3,599 5.75%
    $100k-150k 56 $15,250,000 $272,321 $4,067 4.56%
    $150k-250k 37 $12,075,000 $326,351 $5,325 5.21%
    $250k+ 33 $26,075,000 $790,152 $7,550 4.65%

    Sound Community Bank lent most frequently to those with incomes in the $50k-75k range, with 100 originations. The second most popular income band? $50k or less, with 83 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 94 $21,630,000 $230,106 $3,969 5.20%
    30-36% 55 $12,915,000 $234,818 $4,137 5.37%
    <20% 37 $12,905,000 $348,784 $4,591 4.50%
    42% 24 $7,280,000 $303,333 $4,710 5.56%
    41% 20 $4,180,000 $209,000 $4,472 6.30%
    40% 16 $4,110,000 $256,875 $5,887 6.32%
    37% 13 $2,965,000 $228,077 $3,779 5.63%
    44% 13 $2,745,000 $211,154 $4,245 5.30%
    49% 13 $2,315,000 $178,077 $3,314 5.47%
    38% 12 $1,310,000 $109,167 $3,285 7.34%
    39% 12 $2,840,000 $236,667 $4,817 6.21%
    36% 11 $2,485,000 $225,909 $4,196 5.33%
    43% 11 $1,785,000 $162,273 $3,881 6.76%
    46% 9 $1,535,000 $170,556 $4,227 6.42%
    48% 9 $2,075,000 $230,556 $5,928 5.72%
    >60% 8 $1,790,000 $223,750 $4,905 5.41%
    50-60% 8 $4,630,000 $578,750 $9,091 6.08%
    45% 7 $1,935,000 $276,429 $4,112 5.25%
    47% 6 $780,000 $130,000 $3,648 7.02%

    Sound Community Bank lent most frequently to those with DTI ratios of 20-30%, with 94 originations. The next most common DTI ratio? 30-36%, with 55 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 326 $81,520,000 $250,061 $4,263 5.41%
    Not applicable 12 $30,780,000 $2,565,000 $0 37.91%
    Asian 11 $4,775,000 $434,091 $7,435 5.48%
    Not provided 33 $4,775,000 $144,697 $4,101 7.06%
    Black 6 $1,860,000 $310,000 $4,722 4.96%
    American Indian 2 $450,000 $225,000 $6,917 7.31%
    Native Hawaiian or Islander 1 $215,000 $215,000 $3,495 4.00%

    Approval Rates

    Total approvals of all applications
    95.81%

    Sound Community Bank 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
    80.82%

    Sound Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1016.88 1 $65,000 $65,000
    1041.75 1 $45,000 $45,000
    1054.98 1 $65,000 $65,000
    1161.19 1 $55,000 $55,000
    1171.85 1 $45,000 $45,000
    1185.0 1 $55,000 $55,000
    1187.1 1 $45,000 $45,000
    1195.02 1 $45,000 $45,000
    1201.15 1 $45,000 $45,000
    1210.4 1 $65,000 $65,000
    1240.65 1 $45,000 $45,000
    1272.5 1 $45,000 $45,000
    1273.06 1 $15,000 $15,000
    1274.95 1 $35,000 $35,000
    1291.59 1 $65,000 $65,000
    1296.52 1 $55,000 $55,000
    1351.43 1 $45,000 $45,000
    1365.4 1 $35,000 $35,000
    1386.75 1 $45,000 $45,000
    1394.44 1 $65,000 $65,000
    1397.24 1 $55,000 $55,000
    1411.98 1 $65,000 $65,000
    1419.29 1 $25,000 $25,000
    1435.0 1 $85,000 $85,000
    1443.4 1 $35,000 $35,000
    1471.24 1 $45,000 $45,000
    1477.26 1 $55,000 $55,000
    1481.9 1 $55,000 $55,000
    1500.44 1 $45,000 $45,000
    1513.57 1 $75,000 $75,000
    1519.39 1 $55,000 $55,000
    1533.32 1 $55,000 $55,000
    1537.14 1 $85,000 $85,000
    1546.85 1 $65,000 $65,000
    1552.25 1 $25,000 $25,000
    1555.46 1 $75,000 $75,000
    1567.03 1 $55,000 $55,000
    1567.84 1 $25,000 $25,000
    1570.65 1 $65,000 $65,000
    1579.45 1 $35,000 $35,000
    1597.31 1 $35,000 $35,000
    1600.48 1 $75,000 $75,000
    1600.85 1 $75,000 $75,000
    1603.64 1 $55,000 $55,000
    1604.06 1 $45,000 $45,000
    1607.13 1 $55,000 $55,000
    1612.34 1 $75,000 $75,000
    1628.46 1 $35,000 $35,000
    1642.24 1 $55,000 $55,000
    1654.94 1 $75,000 $75,000
    1685.57 1 $25,000 $25,000
    1696.52 1 $75,000 $75,000
    1700.95 1 $45,000 $45,000
    1716.39 1 $75,000 $75,000
    1731.42 1 $75,000 $75,000
    1739.16 1 $45,000 $45,000
    1758.02 1 $85,000 $85,000
    1805.27 1 $65,000 $65,000
    1830.69 1 $115,000 $115,000
    1833.32 1 $105,000 $105,000
    1860.88 1 $85,000 $85,000
    1885.24 1 $105,000 $105,000
    1900.08 1 $115,000 $115,000
    1904.12 1 $95,000 $95,000
    1950.42 1 $75,000 $75,000
    1952.91 1 $55,000 $55,000
    1970.68 1 $95,000 $95,000
    1997.28 1 $85,000 $85,000
    2015.31 1 $45,000 $45,000
    2025.36 1 $75,000 $75,000
    2028.7 1 $55,000 $55,000
    2037.81 1 $65,000 $65,000
    2113.34 1 $105,000 $105,000
    2137.77 1 $95,000 $95,000
    2210.9 1 $135,000 $135,000
    2229.16 1 $85,000 $85,000
    2230.8 1 $115,000 $115,000
    2240.17 1 $85,000 $85,000
    2303.81 1 $65,000 $65,000
    2462.02 1 $95,000 $95,000
    2555.51 1 $135,000 $135,000
    2587.75 1 $125,000 $125,000
    3171.15 1 $185,000 $185,000
    847.62 1 $65,000 $65,000
    894.05 1 $65,000 $65,000
    919.68 1 $15,000 $15,000
    NA 305 $118,705,000 $389,197

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $1,585,000 $1,585,000
    Multifamily:Site-Built 9 $27,845,000 $3,093,889
    Single Family (1-4 Units):Manufactured 126 $11,390,000 $90,397
    Single Family (1-4 Units):Site-Built 255 $83,555,000 $327,667

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 36 $5,790,000 $160,833 $3,362 4.86%
    40-60% 89 $19,825,000 $222,753 $3,826 4.99%
    60-80% 152 $67,300,000 $442,763 $4,647 8.20%
    80-100% 94 $28,660,000 $304,894 $5,564 6.23%
    Under 20% 20 $2,800,000 $140,000 $2,628 5.46%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Sound Community Bank 110 North Alder Street Port Angeles, WA 98362 Full Service B&M $113,784
    Sound Community Bank 2001 Fifth Avenue Seattle, WA 98121 Full Service B&M $78,135
    Sound Community Bank 22807 44th Avenue West Mountlake Terrace, WA 98043 Full Service B&M $42,092
    Sound Community Bank 2400 3rd Ave Suite 150 Seattle, WA 98121 Full Service B&M $25,976
    Sound Community Bank 2400 Third Avenue, Suite 150 Seattle, WA 98121 Full Service B&M $0
    Sound Community Bank 2941 South 38th Street Tacoma, WA 98409 Full Service B&M $38,855
    Sound Community Bank 4922 Bridgeport Way West University Place, WA 98467 Full Service B&M $17,572
    Sound Community Bank 645 W. Washington Street Sequim, WA 98382 Full Service B&M $220,708
    Sound Community Bank 9500 Oak Bay Road Port Ludlow, WA 98365 Full Service B&M $46,457

    For 2019, Sound Community Bank had 9 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $34,306
    Net interest income $26,690
    Total noninterest income $4,298
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $525
    Trading account gains and fees $0
    Additional Noninterest Income $3,773
    Pre-tax net operating income $9,121
    Securities gains (or losses, -) $0
    Income before extraordinary items $7,304
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,304
    Minority interest net income $0
    Net income $7,304
    Sale, conversion, retirement of capital stock, net $267
    Net operating income $7,304

    Sound Community Bank's gross interest income from loans was $34,306,000.
    Sound Community Bank's net interest income from loans was $26,690,000.
    Sound Community Bank's fee based income from loans was $525,000.
    Sound Community Bank's net income from loans was $7,304,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,616
    Provision for credit losses $-125
    Total noninterest expense $21,992
    Salaries and employee benefits $11,988
    Premises and equipment expense $2,866
    Additional noninterest expense $7,138
    Applicable income taxes $1,817
    Net charge-offs $9
    Cash dividends $3,276

    Sound Community Bank's interest expense for loans was $7,616,000.
    Sound Community Bank's payroll and benefits expense were $11,988,000.
    Sound Community Bank's property, plant and equipment expenses $2,866,000.

    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 1.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    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 $622,245
    Deposits held in domestic offices $622,245
    Deposits by Individuals, partnerships, and corporations $578,777
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $41,046
    Deposits by Commercial banks and other depository institutions in U.S. $2,422
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $270,609
    Demand deposits $196,628
    Nontransaction accounts $351,636
    Money market deposit accounts (MMDAs) $50,337
    Other savings deposits (excluding MMDAs) $57,937
    Total time deposits $243,363
    Total time and savings deposits $425,617
    Noninterest-bearing deposits $100,824
    Interest-bearing deposits $521,422
    Retail deposits $537,168
    IRAs and Keogh plan accounts $25,269
    Brokered deposits $8,011
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $719,853
    Cash & Balances due from depository institutions $55,769
    Interest-bearing balances $50,348
    Total securities $9,306
    Federal funds sold & reverse repurchase $0
    Net loans and leases $615,310
    Loan and leases loss allowance $5,640
    Trading account assets $0
    Bank premises and fixed assets $6,767
    Other real estate owned $575
    Goodwill and other intangibles $4,174
    All other assets $27,952

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $719,853
    Total Liabilities $644,712
    Total deposits $622,245
    Interest-bearing deposits $521,422
    Deposits held in domestic offices $622,245
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $7,500
    Subordinated debt $0
    All other liabilities $14,967

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $615,310
    Loan and leases loss allowance $5,640
    Total loans and leases (domestic) $620,950
    All real estate loans $515,098
    Real estate loans in domestic offices $515,098
    Construction and development loans $76,952
    Residential 1-4 family construction $29,978
    Other construction, all land development and other land $46,974
    Loans secured by nonfarm nonresidential properties $143,807
    Nonfarm nonresidential secured by owner-occupied properties $57,010
    Commercial real estate & other non-farm, non-residential $86,797
    Multifamily residential real estate $86,966
    1-4 family residential loans $207,095
    Farmland loans $278
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $20,202
    To non-U.S. addressees $0
    Loans to individuals $73,566
    Credit card loans $0
    Related Plans $777
    Consumer Auto Loans $1,129
    Other loans to individuals $71,660
    All other loans & leases $12,084
    Loans to foreign governments and official institutions $0
    Other loans $12,084
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $12,025
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,878
    Non 1-4 family restructured loans & leases $365
    Total loans and leases (foreign) $0

    Sound Community Bank had $615,310,000 of loans outstanding in 2019. $515,098,000 of loans were in real estate loans. $76,952,000 of loans were in development loans. $86,966,000 of loans were in multifamily mortgage loans. $207,095,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,129,000 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 185 $57,944 $313,211
    Nonfarm, nonresidential loans - <$100k 15 $619 $41,267
    Nonfarm, nonresidential loans - $100-250k 65 $9,240 $142,154
    Nonfarm, nonresidential loans - $250k-1MM 105 $48,085 $457,952
    Commercial & Industrial, US addressed loans - <$1MM 127 $14,050 $110,630
    Commercial & Industrial, US addressed loans - <$100k 64 $1,324 $20,688
    Commercial & Industrial, US addressed loans - $100-250k 31 $2,986 $96,323
    Commercial & Industrial, US addressed loans - $250k-1MM 32 $9,740 $304,375
    Farmland loans - <$1MM 1 $28 $28,000
    Farmland loans - <$100k 1 $28 $28,000