The Central Trust Bank Mortgage Rates, Fees & Info
Jefferson City, MOLEI: 549300UF3FPC7U6RFC59
Tax ID: 43-0975002
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Mortgage Data
Bank Data
Review & Overview
The Central Trust Bank is a smaller bank specializing in Home Purchase loans. The Central Trust Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Jefferson City, Colorado Springs, Durango, Raleigh, and Columbia among others. We have data for 70 markets. (Some data included below & more in-depth data is available with an active subscription.)The Central Trust 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. The Central Trust 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.99% | 12/17/24 |
| 30 Year Conventional Purchase | 6.71% | 12/17/24 |
| 30 Year Conventional Refi | 6.64% | 12/17/24 |
| 30 Year Cash-out Refi | 6.81% | 12/17/24 |
| 30 Year FHA Purchase | 7.34% | 12/17/24 |
| 30 Year FHA Refi | 7.31% | 12/17/24 |
| 30 Year VA Purchase | 5.83% | 12/17/24 |
| 30 Year VA Refi | 5.85% | 12/17/24 |
| 30 Year USDA Purchase | 6.79% | 12/17/24 |
| 15 Year Conventional Purchase | 6.04% | 12/17/24 |
| 15 Year Conventional Refi | 6.24% | 12/17/24 |
| 15 Year Cash-out Refi | 6.24% | 12/17/24 |
| 15 Year VA Purchase | 7.00% | 12/17/24 |
| 15 Year VA Refi | 5.68% | 12/17/24 |
| 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. | ||
The Central Trust Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,285Origination Dollar Volume (All Markets)
$281,205,000Employee count
666Awards
The Central Trust Bank - 2018
The Central Trust Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| JEFFERSON CITY, MO (FHA|USDA|VA) | 504 | $73,510,000 | $145,853 | $2,173 | 4.76% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 200 | $59,780,000 | $298,900 | $4,599 | 4.76% |
| Durango, CO (FHA|USDA|VA) | 101 | $32,395,000 | $320,743 | $4,725 | 4.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 121 | $31,745,000 | $262,355 | $5,038 | 4.72% |
| Outside of Metro Areas | 142 | $30,310,000 | $213,451 | $3,315 | 4.85% |
| COLUMBIA, MO (FHA|USDA|VA) | 49 | $10,005,000 | $204,184 | $2,516 | 4.68% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 35 | $9,315,000 | $266,143 | $5,733 | 4.72% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 13 | $4,795,000 | $368,846 | $3,782 | 4.65% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 17 | $4,705,000 | $276,765 | $2,411 | 4.88% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 14 | $4,150,000 | $296,429 | $2,546 | 4.57% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $3,490 | 4.63% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $3,434 | 4.83% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $0 | 5.35% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $3,236 | 4.21% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $4,217 | 4.81% |
| Sanford, NC (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $4,690 | 4.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $4,612 | 4.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,269 | 4.44% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $5,312 | 4.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $22,896 | 5.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $6,225 | 4.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $2,919 | 4.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $2,114 | 4.88% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,924 | 5.50% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,705 | 4.31% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,715 | 5.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,500 | 4.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,605 | 4.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,854 | 4.38% |
| Edwards, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,837 | 4.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,582 | 4.38% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,084 | 4.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,504 | 4.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,315 | 4.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,090 | 4.63% |
| RENO, NV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,522 | 4.13% |
| Mexico, MO (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $2,385 | 4.97% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,651 | 4.44% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,757 | 5.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 5.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 5.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,236 | 4.75% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,604 | 3.88% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,697 | 4.63% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,909 | 5.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,350 | 4.50% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,522 | 4.75% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,177 | 5.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,624 | 4.63% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,513 | 4.88% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,759 | 4.00% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,837 | 4.00% |
| Vermillion, SD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,404 | 4.63% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,154 | 4.88% |
| Wilson, NC (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $4,143 | 4.31% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,231 | 5.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,356 | 4.75% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,756 | 4.50% |
| AKRON, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,004 | 4.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,062 | 4.88% |
| Moberly, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,634 | 4.50% |
| Paragould, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,300 | 4.75% |
| Rolla, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.25% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.75% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,326 | 5.00% |
| Montrose, CO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,016 | 4.88% |
| Kennett, MO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,124 | 5.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against The Central Trust Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, The Central Trust Bank's most frequently originated type of loan was Conventional, with 1,129 originations. Their 2nd most popular type was VA, with 85 originations.
Loan Reason
For 2018, The Central Trust Bank's most frequently cited loan purpose was Home Purchase, with 1,000 originations. The 2nd most popular reason was Refi, with 138 originations.
Loan Duration/Length
For 2018, The Central Trust Bank's most frequently cited loan duration was 30 Year, with 965 originations. The 2nd most popular length was 15 Year, with 113 originations.
Origination Fees/Closing Costs
The Central Trust Bank's average total fees were $3,777, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 870 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 911 | $205,215,000 | $225,263 |
| 5-6% | 264 | $51,940,000 | $196,742 |
| 3-4% | 94 | $23,530,000 | $250,319 |
| 6-7% | 16 | $520,000 | $32,500 |
During 2018, The Central Trust Bank's average interest rate for loans was 4.76%, while their most frequently originated rate bucket for loans was 4-5%, with 911 originations.
Loan Sizing
2018 saw The Central Trust Bank place emphasis on $200k-400k loans with 493 originations, totaling $138,435,000 in origination value.
Applicant Income
The Central Trust Bank lent most frequently to those with incomes in the $50k or less range, with 262 originations. The second most popular income band? $50k-75k, with 252 originations.
Applicant Debt to Income Ratio
The Central Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 282 originations. The next most common DTI ratio? 30-36%, with 227 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.45%
The Central Trust 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 origination83.58%
The Central Trust Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,285 | $281,205,000 | $218,837 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The Central Trust Bank | 100 State Road Ae New Bloomfield, MO 65063 | Full Service B&M | $9,987 |
| The Central Trust Bank | 116-124 East Miller Street Jefferson City, MO 65101 | Full Service B&M | $404,428 |
| The Central Trust Bank | 155 Northstar Drive Holts Summit, MO 65043 | Full Service B&M | $49,021 |
| The Central Trust Bank | 2020 North Bluff Fulton, MO 65251 | Full Service B&M | $4,716 |
| The Central Trust Bank | 2116 Nelwood Drive Columbia, MO 65202 | Full Service Cyber Office | $21,951 |
| The Central Trust Bank | 238 Madison Street Jefferson City, MO 65101 | Limited, Drive-thru | $0 |
| The Central Trust Bank | 238 Madison Street Jefferson City, MO 65101 | Full Service B&M | $720,458 |
| The Central Trust Bank | 329 South Oak California, MO 65018 | Full Service B&M | $43,808 |
| The Central Trust Bank | 401 Supercenter Dr Jefferson City, MO 65101 | Full Service Retail | $3,842 |
| The Central Trust Bank | 410 Market Street Fulton, MO 65251 | Full Service B&M | $122,809 |
| The Central Trust Bank | 724 West Stadium Boulevard Jefferson City, MO 65101 | Full Service Retail | $20,827 |
| The Central Trust Bank | Highway 50 West & Country Club Drive Jefferson City, MO 65101 | Full Service B&M | $106,855 |
| The Central Trust Bank | Missouri 52 Highway And High Street Tuscumbia, MO 65082 | Full Service B&M | $25,657 |
| The Central Trust Bank | U.S. Highway 50 California, MO 65018 | Full Service B&M | $14,851 |
For 2018, The Central Trust Bank had 14 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $74,403 |
| Net interest income | $58,485 |
| Total noninterest income | $65,536 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $4,768 |
| Trading account gains and fees | $2 |
| Additional Noninterest Income | $60,766 |
| Pre-tax net operating income | $37,440 |
| Securities gains (or losses, -) | $-2,296 |
| Income before extraordinary items | $28,325 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $28,325 |
| Minority interest net income | $0 |
| Net income | $28,325 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $30,184 |
The Central Trust Bank's gross interest income from loans was $74,403,000.
The Central Trust Bank's net interest income from loans was $58,485,000.
The Central Trust Bank's fee based income from loans was $4,768,000.
The Central Trust Bank's net income from loans was $28,325,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $15,918 |
| Provision for credit losses | $1,319 |
| Total noninterest expense | $85,262 |
| Salaries and employee benefits | $47,482 |
| Premises and equipment expense | $8,559 |
| Additional noninterest expense | $29,221 |
| Applicable income taxes | $6,819 |
| Net charge-offs | $1,096 |
| Cash dividends | $55,000 |
The Central Trust Bank's interest expense for loans was $15,918,000.
The Central Trust Bank's payroll and benefits expense were $47,482,000.
The Central Trust Bank's property, plant and equipment expenses $8,559,000.
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 | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.3% |
| 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 | $1,808,018 |
| Deposits held in domestic offices | $1,808,018 |
| Deposits by Individuals, partnerships, and corporations | $1,440,756 |
| Deposits by U.S. Government | $3 |
| Deposits by States and political subdivisions in the U.S. | $358,945 |
| Deposits by Commercial banks and other depository institutions in U.S. | $8,314 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $272,611 |
| Demand deposits | $251,642 |
| Nontransaction accounts | $1,535,407 |
| Money market deposit accounts (MMDAs) | $1,205,019 |
| Other savings deposits (excluding MMDAs) | $115,572 |
| Total time deposits | $214,816 |
| Total time and savings deposits | $1,556,376 |
| Noninterest-bearing deposits | $667,260 |
| Interest-bearing deposits | $1,140,758 |
| Retail deposits | $1,784,243 |
| IRAs and Keogh plan accounts | $50,544 |
| Brokered deposits | $1,484 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,581,302 |
| Cash & Balances due from depository institutions | $197,217 |
| Interest-bearing balances | $118,204 |
| Total securities | $1,085,691 |
| Federal funds sold & reverse repurchase | $131,495 |
| Net loans and leases | $1,059,804 |
| Loan and leases loss allowance | $15,801 |
| Trading account assets | $125 |
| Bank premises and fixed assets | $39,265 |
| Other real estate owned | $891 |
| Goodwill and other intangibles | $12,526 |
| All other assets | $54,288 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,581,302 |
| Total Liabilities | $2,383,847 |
| Total deposits | $1,808,018 |
| Interest-bearing deposits | $1,140,758 |
| Deposits held in domestic offices | $1,808,018 |
| % insured (estimated) | $70 |
| Federal funds purchased and repurchase agreements | $489,144 |
| Trading liabilities | $0 |
| Other borrowed funds | $73,000 |
| Subordinated debt | $0 |
| All other liabilities | $13,685 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,059,804 |
| Loan and leases loss allowance | $15,801 |
| Total loans and leases (domestic) | $1,075,605 |
| All real estate loans | $618,361 |
| Real estate loans in domestic offices | $618,361 |
| Construction and development loans | $82,878 |
| Residential 1-4 family construction | $13,081 |
| Other construction, all land development and other land | $69,797 |
| Loans secured by nonfarm nonresidential properties | $214,014 |
| Nonfarm nonresidential secured by owner-occupied properties | $114,472 |
| Commercial real estate & other non-farm, non-residential | $99,542 |
| Multifamily residential real estate | $41,859 |
| 1-4 family residential loans | $248,452 |
| Farmland loans | $31,158 |
| Loans held in foreign offices | $0 |
| Farm loans | $8,636 |
| Commercial and industrial loans | $158,254 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $199,318 |
| Credit card loans | $12,568 |
| Related Plans | $7,995 |
| Consumer Auto Loans | $103,176 |
| Other loans to individuals | $75,579 |
| All other loans & leases | $91,683 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $25,834 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $15,790 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $7,272 |
| Non 1-4 family restructured loans & leases | $6,413 |
| Total loans and leases (foreign) | $0 |
The Central Trust Bank had $1,059,804,000 of loans outstanding in 2018. $618,361,000 of loans were in real estate loans. $82,878,000 of loans were in development loans. $41,859,000 of loans were in multifamily mortgage loans. $248,452,000 of loans were in 1-4 family mortgage loans. $8,636,000 of loans were in farm loans. $12,568,000 of loans were in credit card loans. $103,176,000 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 | 340 | $63,163 | $185,774 |
| Nonfarm, nonresidential loans - <$100k | 78 | $2,689 | $34,474 |
| Nonfarm, nonresidential loans - $100-250k | 120 | $13,069 | $108,908 |
| Nonfarm, nonresidential loans - $250k-1MM | 142 | $47,405 | $333,838 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,328 | $53,230 | $22,865 |
| Commercial & Industrial, US addressed loans - <$100k | 2,136 | $20,741 | $9,710 |
| Commercial & Industrial, US addressed loans - $100-250k | 93 | $7,559 | $81,280 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 99 | $24,930 | $251,818 |
| Farmland loans - <$1MM | 291 | $26,089 | $89,653 |
| Farmland loans - <$100k | 146 | $5,800 | $39,726 |
| Farmland loans - $100-250k | 104 | $11,310 | $108,750 |
| Farmland loans - $250k-1MM | 41 | $8,979 | $219,000 |
| Agriculture operations loans - <$1MM | 442 | $8,636 | $19,538 |
| Agriculture operations loans - <$100k | 430 | $6,776 | $15,758 |
| Agriculture operations loans - $100-250k | 9 | $980 | $108,889 |
| Agriculture operations loans - $250k-1MM | 3 | $880 | $293,333 |