Great Plains National Bank Mortgage Rates, Fees & Info

Elk City, OK

LEI: 549300XKEC7P1D7OKJ16

Tax ID: 73-1500129

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Mortgage Data

Bank Data

Review & Overview

Great Plains National Bank is a smaller bank specializing in Home Purchase loans. Great Plains National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Oklahoma City, Tulsa, Woodward, Austin, and Elk City among others. We have data for 85 markets. (Some data included below & more in-depth data is available with an active subscription.)

Great Plains National 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. Great Plains National Bank 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 6.85% 4/18/24
30 Year Conventional Refi 6.91% 4/18/24
30 Year Cash-out Refi 6.85% 4/18/24
30 Year FHA Purchase 7.74% 4/18/24
30 Year FHA Refi 7.44% 4/18/24
30 Year VA Purchase 6.47% 4/18/24
30 Year USDA Purchase 7.21% 4/18/24
15 Year Conventional Purchase 6.46% 4/18/24
15 Year Conventional Refi 7.58% 4/18/24
15 Year Cash-out Refi 7.58% 4/18/24
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.

Great Plains National Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Great Plains National 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

1,677

Origination Dollar Volume (All Markets)

$317,575,000

Employee count

300

Awards

Great Plains National Bank FHA Loans gold Great Plains National Bank FHA Loans gold
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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
OKLAHOMA CITY, OK (FHA|USDA|VA) 1,111 $216,485,000 $194,856 $5,171 4.50%
TULSA, OK (FHA|USDA|VA) 101 $18,095,000 $179,158 $5,379 4.29%
Outside of Metro Areas 101 $11,095,000 $109,851 $4,121 5.83%
Woodward, OK (FHA|USDA|VA) 68 $8,700,000 $127,941 $4,469 4.90%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 33 $7,685,000 $232,879 $6,180 4.25%
Elk City, OK (FHA|USDA|VA) 49 $6,855,000 $139,898 $3,773 6.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 20 $6,070,000 $303,500 $6,732 4.39%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 11 $3,535,000 $321,364 $6,095 3.76%
Shawnee, OK (FHA|USDA|VA) 14 $2,330,000 $166,429 $5,676 4.75%
ENID, OK (FHA|USDA|VA) 18 $2,320,000 $128,889 $3,897 5.34%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $2,010,000 $251,250 $5,078 4.34%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 10 $1,960,000 $196,000 $5,577 4.05%
Stillwater, OK (FHA|USDA|VA) 9 $1,505,000 $167,222 $3,987 4.60%
McAlester, OK (FHA|USDA|VA) 5 $1,275,000 $255,000 $3,971 6.53%
LAWTON, OK (FHA|USDA|VA) 5 $1,275,000 $255,000 $4,507 4.25%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,250,000 $625,000 $2,551 4.25%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $1,175,000 $235,000 $3,743 4.55%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $1,135,000 $378,333 $5,837 4.13%
Durango, CO (FHA|USDA|VA) 1 $995,000 $995,000 $0 4.50%
Weatherford, OK (FHA|USDA|VA) 6 $810,000 $135,000 $5,633 6.06%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $785,000 $261,667 $8,568 4.17%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $780,000 $390,000 $10,734 4.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $780,000 $390,000 $8,236 3.94%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $735,000 $245,000 $4,348 4.00%
Tahlequah, OK (FHA|USDA|VA) 3 $635,000 $211,667 $5,709 4.04%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $580,000 $290,000 $3,539 4.31%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $580,000 $290,000 $5,919 4.00%
MIDLAND, TX (FHA|USDA|VA) 2 $550,000 $275,000 $4,437 4.06%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $525,000 $525,000 $4,001 4.88%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $500,000 $250,000 $5,320 5.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $485,000 $485,000 $7,501 3.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $485,000 $485,000 $23,909 4.13%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $485,000 $485,000 $4,691 4.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $470,000 $235,000 $6,288 3.94%
Taos, NM (FHA|USDA|VA) 1 $425,000 $425,000 $3,468 4.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $415,000 $415,000 $20,320 3.38%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $395,000 $395,000 $3,720 4.13%
WICHITA, KS (FHA|USDA|VA) 3 $375,000 $125,000 $4,208 4.54%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $360,000 $180,000 $4,053 5.25%
WALLA WALLA, WA (FHA|USDA|VA) 1 $345,000 $345,000 $4,303 3.63%
Altus, OK (FHA|USDA|VA) 9 $345,000 $38,333 $3,575 6.94%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $345,000 $345,000 $16,230 4.88%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $335,000 $335,000 $11,245 4.63%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $335,000 $335,000 $3,705 3.75%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $335,000 $335,000 $9,760 4.13%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $330,000 $165,000 $5,798 3.81%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $325,000 $325,000 $6,560 4.88%
DOVER, DE (FHA|USDA|VA) 1 $325,000 $325,000 $1,164 3.75%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $320,000 $160,000 $4,358 3.81%
Fredericksburg, TX (FHA|USDA|VA) 1 $305,000 $305,000 $4,145 3.38%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $13,119 5.50%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $285,000 $285,000 $6,481 4.13%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $275,000 $275,000 $11,504 3.88%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $275,000 $275,000 $8,393 3.75%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $270,000 $135,000 $4,254 4.50%
Branson, MO (FHA|USDA|VA) 4 $270,000 $67,500 $0 5.43%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $265,000 $265,000 $10,169 4.13%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $265,000 $265,000 $5,997 4.75%
ASHEVILLE, NC (FHA|USDA|VA) 2 $260,000 $130,000 $4,606 3.88%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $250,000 $125,000 $5,223 4.19%
AMARILLO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $8,510 3.63%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $235,000 $235,000 $7,232 4.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $225,000 $225,000 $8,501 4.88%
Columbus, MS (FHA|USDA|VA) 1 $225,000 $225,000 $10,381 3.63%
Moses Lake, WA (FHA|USDA|VA) 1 $225,000 $225,000 $5,450 4.75%
TYLER, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.25%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $225,000 $225,000 $5,225 4.50%
Cedartown, GA (FHA|USDA|VA) 1 $215,000 $215,000 $3,513 4.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $215,000 $215,000 $5,314 5.63%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $215,000 $215,000 $5,197 4.63%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $215,000 $215,000 $8,097 4.50%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $185,000 $185,000 $8,125 4.13%
Forest City, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,815 4.38%
PROVO-OREM, UT (FHA|USDA|VA) 1 $175,000 $175,000 $3,391 3.50%
WHEELING, WV-OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,789 4.25%
Ada, OK (FHA|USDA|VA) 1 $175,000 $175,000 $9,025 4.63%
Brevard, NC (FHA|USDA|VA) 1 $165,000 $165,000 $6,368 4.13%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $155,000 $155,000 $1,284 4.13%
Pella, IA (FHA|USDA|VA) 1 $145,000 $145,000 $2,659 3.88%
JONESBORO, AR (FHA|USDA|VA) 1 $115,000 $115,000 $4,429 4.63%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $115,000 $115,000 $3,223 3.50%
Pampa, TX (FHA|USDA|VA) 1 $95,000 $95,000 $6,921 5.63%
Muskogee, OK (FHA|USDA|VA) 1 $85,000 $85,000 $4,119 5.38%
Bartlesville, OK (FHA|USDA|VA) 1 $45,000 $45,000 $3,670 4.63%
Ponca City, OK (FHA|USDA|VA) 1 $35,000 $35,000 $4,396 4.00%
Great Plains National Bank's top markets include Oklahoma City, Tulsa, Woodward, Austin, and Elk City among others.

Their top states include:
  • Oklahoma (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

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

    RED CROWN
    Similarity Rank: 45
    Tulsa Federal Credit Union
    Similarity Rank: 84
    Central Bank of Oklahoma
    Similarity Rank: 140
    TRUE SKY
    Similarity Rank: 174
    WEOKIE
    Similarity Rank: 243
    Intrust Bank
    Similarity Rank: 352
    OKLAHOMA CENTRAL Credit Union
    Similarity Rank: 352
    TTCU Federal Credit Union
    Similarity Rank: 360

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 927 $174,805,000 $188,571 $3,826 4.84%
    FHA 495 $82,265,000 $166,192 $6,760 4.49%
    VA 229 $56,875,000 $248,362 $6,304 4.19%
    USDA 26 $3,630,000 $139,615 $5,075 4.30%

    For 2019, Great Plains National Bank's most frequently originated type of loan was Conventional, with 927 originations. Their 2nd most popular type was FHA, with 495 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,407 $266,825,000 $189,641 $5,309 4.57%
    Refi 161 $31,425,000 $195,186 $4,021 5.10%
    Cash Out Refi 85 $17,105,000 $201,235 $4,896 4.29%
    Home Improvement 23 $2,185,000 $95,000 $3,745 6.62%
    Other 1 $35,000 $35,000 $862 6.50%

    For 2019, Great Plains National Bank's most frequently cited loan purpose was Home Purchase, with 1,407 originations. The 2nd most popular reason was Refi, with 161 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,371 $271,965,000 $198,370 $5,388 4.38%
    15 Year 147 $22,045,000 $149,966 $3,389 5.19%
    Other 47 $8,515,000 $181,170 $2,499 6.82%
    20 Year 41 $6,375,000 $155,488 $3,673 5.32%
    1 Year 34 $3,800,000 $111,765 $1,862 6.79%
    10 Year 25 $2,185,000 $87,400 $2,811 6.80%
    5 Year 8 $1,640,000 $205,000 $0 5.59%
    3 Year 4 $1,050,000 $262,500 $3,627 6.75%

    For 2019, Great Plains National Bank's most frequently cited loan duration was 30 Year, with 1,371 originations. The 2nd most popular length was 15 Year, with 147 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,082 $200,610,000 $185,407
    $<1k 203 $42,015,000 $206,970
    $2k-3k 126 $25,890,000 $205,476
    $3k-4k 72 $17,120,000 $237,778
    $5k+ 19 $6,005,000 $316,053
    $4k-5k 16 $4,270,000 $266,875

    Great Plains National Bank's average total fees were $5,388, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,082 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 750 $143,190,000 $190,920
    3-4% 550 $118,150,000 $214,818
    5-6% 205 $35,115,000 $171,293
    6-7% 120 $17,160,000 $143,000
    7-8% 32 $2,370,000 $74,063
    Over 8% 15 $595,000 $39,667
    2.5-3% 4 $860,000 $215,000
    <2.5% 1 $135,000 $135,000

    During 2019, Great Plains National Bank's average interest rate for loans was 4.38%, while their most frequently originated rate bucket for loans was 4-5%, with 750 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 726 $108,290,000 $149,160 $4,850 4.53%
    $200k-400k 602 $160,020,000 $265,814 $5,973 4.33%
    $100,000 or less 296 $20,200,000 $68,243 $3,843 5.58%
    $400k-600k 46 $20,970,000 $455,870 $6,091 4.13%
    $600k-1MM 5 $3,815,000 $763,000 $3,626 5.35%
    $1MM+ 2 $4,280,000 $2,140,000 $0 6.13%

    2019 saw Great Plains National Bank place emphasis on $100k-200k loans with 726 originations, totaling $108,290,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 427 $72,995,000 $170,948 $5,309 4.57%
    $50k or less 356 $41,840,000 $117,528 $4,659 4.61%
    $75k-100k 324 $65,700,000 $202,778 $5,626 4.50%
    $100k-150k 290 $67,280,000 $232,000 $5,343 4.47%
    $150k-250k 118 $31,890,000 $270,254 $5,258 4.56%
    $250k+ 54 $14,980,000 $277,407 $4,593 4.84%

    Great Plains National Bank lent most frequently to those with incomes in the $50k-75k range, with 427 originations. The second most popular income band? $50k or less, with 356 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 312 $54,690,000 $175,288 $4,589 4.61%
    30-36% 266 $50,450,000 $189,662 $5,226 4.56%
    50-60% 154 $31,620,000 $205,325 $6,934 4.37%
    <20% 118 $20,890,000 $177,034 $3,767 4.69%
    41% 63 $12,955,000 $205,635 $5,027 4.55%
    43% 62 $12,720,000 $205,161 $4,986 4.56%
    39% 62 $11,080,000 $178,710 $5,534 4.71%
    42% 60 $12,480,000 $208,000 $5,371 4.42%
    37% 55 $10,875,000 $197,727 $4,938 4.51%
    44% 52 $9,770,000 $187,885 $5,686 4.36%
    38% 50 $9,190,000 $183,800 $4,957 4.60%
    49% 46 $8,420,000 $183,043 $5,151 4.36%
    45% 45 $9,385,000 $208,556 $5,405 4.22%
    48% 45 $9,325,000 $207,222 $5,305 4.27%
    40% 44 $7,290,000 $165,682 $5,523 4.66%
    36% 41 $7,455,000 $181,829 $5,414 4.77%
    47% 39 $6,825,000 $175,000 $5,213 4.43%
    46% 37 $7,565,000 $204,459 $5,511 4.34%
    >60% 4 $920,000 $230,000 $5,478 5.22%

    Great Plains National Bank lent most frequently to those with DTI ratios of 20-30%, with 312 originations. The next most common DTI ratio? 30-36%, with 266 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,152 $212,900,000 $184,809 $5,109 4.62%
    Not provided 254 $51,510,000 $202,795 $5,348 4.40%
    Not applicable 77 $15,775,000 $204,870 $0 6.29%
    American Indian 69 $13,805,000 $200,072 $5,639 4.41%
    Black 72 $13,600,000 $188,889 $5,593 4.43%
    Asian 47 $8,895,000 $189,255 $4,579 4.36%
    Native Hawaiian or Islander 6 $1,090,000 $181,667 $4,756 4.67%

    Approval Rates

    Total approvals of all applications
    95.92%

    Great Plains National 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
    82.77%

    Great Plains National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,677 $317,575,000 $189,371

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 8 $2,320,000 $290,000
    Single Family (1-4 Units):Manufactured 41 $4,945,000 $120,610
    Single Family (1-4 Units):Site-Built 1,628 $310,310,000 $190,608

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 32 $3,220,000 $100,625 $3,312 5.62%
    40-60% 100 $17,980,000 $179,800 $3,597 5.17%
    60-80% 330 $59,030,000 $178,879 $3,842 5.02%
    80-100% 1,134 $218,030,000 $192,266 $5,447 4.46%
    Over 100% 51 $12,985,000 $254,608 $9,948 4.29%
    Under 20% 13 $665,000 $51,154 $2,463 6.68%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Great Plains National Bank 100 S Broadway St Taloga, OK 73667 Full Service B&M $40,227
    Great Plains National Bank 101 South Oklahoma Mangum, OK 73554 Full Service B&M $34,048
    Great Plains National Bank 1101 Sw 30th Ct Suite A Moore, OK 73160 Full Service B&M $5,014
    Great Plains National Bank 120 West Jones Street Hollis, OK 73550 Full Service B&M $59,273
    Great Plains National Bank 12001 Northwest Expressway Piedmont, OK 73078 Full Service B&M $36,298
    Great Plains National Bank 128 East Main Street Sayre, OK 73662 Full Service B&M $43,181
    Great Plains National Bank 1300 S. Main Elk City, OK 73648 Full Service B&M $53,999
    Great Plains National Bank 201 North Glenn English Street Cordell, OK 73632 Full Service B&M $23,629
    Great Plains National Bank 2017 West Third Elk City, OK 73644 Full Service B&M $125,641
    Great Plains National Bank 20221 East 1110 Road Elk City, OK 73644 Full Service B&M $2,151
    Great Plains National Bank 2220 Oklahoma Avenue Woodward, OK 73801 Full Service B&M $64,114
    Great Plains National Bank 228 Highway 44 Burns Flat, OK 73624 Full Service B&M $32,039
    Great Plains National Bank 232 South Main Stillwater, OK 74074 Full Service B&M $12,628
    Great Plains National Bank 400 North Main Street Granite, OK 73547 Full Service B&M $14,928
    Great Plains National Bank 401 West Broadway Enid, OK 73701 Full Service B&M $46,740
    Great Plains National Bank 429 South Broadway Hobart, OK 73651 Full Service B&M $24,282
    Great Plains National Bank 5002 East Hwy 37 Tuttle, OK 73089 Full Service B&M $42,348
    Great Plains National Bank 550 South Oakwood Enid, OK 73703 Full Service B&M $11,050
    Great Plains National Bank 601 Nw 13th Street Oklahoma City, OK 73103 Full Service B&M $11,308
    Great Plains National Bank 7000 Preston Road Frisco, TX 75034 Full Service B&M $8,455
    Great Plains National Bank 710 S Country Club Rd El Reno, OK 73036 Full Service B&M $16,795

    For 2019, Great Plains National Bank had 21 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $51,067
    Net interest income $42,953
    Total noninterest income $18,184
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,833
    Trading account gains and fees $0
    Additional Noninterest Income $14,351
    Pre-tax net operating income $15,556
    Securities gains (or losses, -) $0
    Income before extraordinary items $15,515
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,515
    Minority interest net income $0
    Net income $15,515
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,515

    Great Plains National Bank's gross interest income from loans was $51,067,000.
    Great Plains National Bank's net interest income from loans was $42,953,000.
    Great Plains National Bank's fee based income from loans was $3,833,000.
    Great Plains National Bank's net income from loans was $15,515,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,114
    Provision for credit losses $1,353
    Total noninterest expense $44,228
    Salaries and employee benefits $26,343
    Premises and equipment expense $4,234
    Additional noninterest expense $13,651
    Applicable income taxes $41
    Net charge-offs $2,010
    Cash dividends $6,495

    Great Plains National Bank's interest expense for loans was $8,114,000.
    Great Plains National Bank's payroll and benefits expense were $26,343,000.
    Great Plains National Bank's property, plant and equipment expenses $4,234,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 7.0%
    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 0.0%
    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 $716,306
    Deposits held in domestic offices $716,306
    Deposits by Individuals, partnerships, and corporations $666,536
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $44,198
    Deposits by Commercial banks and other depository institutions in U.S. $5,572
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $247,840
    Demand deposits $231,556
    Nontransaction accounts $468,466
    Money market deposit accounts (MMDAs) $115,527
    Other savings deposits (excluding MMDAs) $73,418
    Total time deposits $279,519
    Total time and savings deposits $484,750
    Noninterest-bearing deposits $144,906
    Interest-bearing deposits $571,401
    Retail deposits $644,628
    IRAs and Keogh plan accounts $12,611
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $814,382
    Cash & Balances due from depository institutions $32,712
    Interest-bearing balances $18,117
    Total securities $59,588
    Federal funds sold & reverse repurchase $8,709
    Net loans and leases $669,897
    Loan and leases loss allowance $9,623
    Trading account assets $0
    Bank premises and fixed assets $17,891
    Other real estate owned $432
    Goodwill and other intangibles $1,751
    All other assets $23,402

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $814,382
    Total Liabilities $727,705
    Total deposits $716,306
    Interest-bearing deposits $571,401
    Deposits held in domestic offices $716,306
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $11,399

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $669,897
    Loan and leases loss allowance $9,623
    Total loans and leases (domestic) $679,520
    All real estate loans $414,211
    Real estate loans in domestic offices $414,211
    Construction and development loans $58,150
    Residential 1-4 family construction $37,559
    Other construction, all land development and other land $20,591
    Loans secured by nonfarm nonresidential properties $122,054
    Nonfarm nonresidential secured by owner-occupied properties $40,458
    Commercial real estate & other non-farm, non-residential $81,596
    Multifamily residential real estate $6,374
    1-4 family residential loans $151,710
    Farmland loans $75,923
    Loans held in foreign offices $0
    Farm loans $60,820
    Commercial and industrial loans $170,620
    To non-U.S. addressees $0
    Loans to individuals $29,766
    Credit card loans $0
    Related Plans $1
    Consumer Auto Loans $14,551
    Other loans to individuals $15,214
    All other loans & leases $4,103
    Loans to foreign governments and official institutions $0
    Other loans $1,425
    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 $235
    Non 1-4 family restructured loans & leases $20
    Total loans and leases (foreign) $0

    Great Plains National Bank had $669,897,000 of loans outstanding in 2019. $414,211,000 of loans were in real estate loans. $58,150,000 of loans were in development loans. $6,374,000 of loans were in multifamily mortgage loans. $151,710,000 of loans were in 1-4 family mortgage loans. $60,820,000 of loans were in farm loans. $0 of loans were in credit card loans. $14,551,000 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 441 $63,462 $143,905
    Nonfarm, nonresidential loans - <$100k 200 $7,881 $39,405
    Nonfarm, nonresidential loans - $100-250k 140 $17,231 $123,079
    Nonfarm, nonresidential loans - $250k-1MM 101 $38,350 $379,703
    Commercial & Industrial, US addressed loans - <$1MM 1,171 $73,289 $62,587
    Commercial & Industrial, US addressed loans - <$100k 891 $20,158 $22,624
    Commercial & Industrial, US addressed loans - $100-250k 157 $16,463 $104,860
    Commercial & Industrial, US addressed loans - $250k-1MM 123 $36,668 $298,114
    Farmland loans - <$1MM 427 $44,039 $103,136
    Farmland loans - <$100k 215 $9,111 $42,377
    Farmland loans - $100-250k 161 $20,431 $126,901
    Farmland loans - $250k-1MM 51 $14,497 $284,255
    Agriculture operations loans - <$1MM 1,071 $41,647 $38,886
    Agriculture operations loans - <$100k 905 $20,081 $22,189
    Agriculture operations loans - $100-250k 131 $13,551 $103,443
    Agriculture operations loans - $250k-1MM 35 $8,015 $229,000