Isabella Bank Mortgage Rates, Fees & Info

Mount Pleasant, MI

LEI: 549300XYX207IABFXL60

Tax ID: 38-0681630

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Isabella Bank is a smaller bank specializing in Refi and Home Purchase loans. Isabella Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Mount Pleasant, Big Rapids, Grand Rapids, Saginaw, and Midland among others. We have data for 28 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Isabella Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Isabella 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 6.91% 12/16/24
    30 Year Conventional Refi 6.80% 12/16/24
    30 Year Cash-out Refi 6.55% 12/16/24
    30 Year USDA Purchase 7.51% 12/16/24
    15 Year Conventional Purchase 6.30% 12/16/24
    15 Year Conventional Refi 6.33% 12/16/24
    15 Year Cash-out Refi 6.33% 12/16/24
    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.

    Isabella Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Isabella 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

    1,354

    Origination Dollar Volume (All Markets)

    $252,490,000

    Employee count

    340 Show all (16) awards

    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
    Mount Pleasant, MI (FHA|USDA|VA) 416 $63,030,000 $151,514 $2,371 3.10%
    Big Rapids, MI (FHA|USDA|VA) 182 $38,120,000 $209,451 $2,291 3.05%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 160 $27,430,000 $171,438 $2,480 3.14%
    Outside of Metro Areas 151 $25,825,000 $171,026 $2,246 3.14%
    SAGINAW, MI (FHA|USDA|VA) 88 $22,390,000 $254,432 $2,031 3.29%
    MIDLAND, MI (FHA|USDA|VA) 96 $19,990,000 $208,229 $2,269 3.35%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 89 $18,775,000 $210,955 $2,276 2.77%
    BAY CITY, MI (FHA|USDA|VA) 22 $8,940,000 $406,364 $2,315 3.59%
    Alma, MI (FHA|USDA|VA) 58 $7,810,000 $134,655 $2,252 3.36%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 24 $5,870,000 $244,583 $2,767 2.96%
    Traverse City, MI (FHA|USDA|VA) 13 $4,165,000 $320,385 $3,743 2.90%
    ANN ARBOR, MI (FHA|USDA|VA) 10 $2,250,000 $225,000 $1,727 2.61%
    Holland, MI (FHA|USDA|VA) 5 $1,045,000 $209,000 $2,674 2.83%
    FLINT, MI (FHA|USDA|VA) 7 $945,000 $135,000 $2,048 3.75%
    MUSKEGON, MI (FHA|USDA|VA) 4 $760,000 $190,000 $1,914 2.88%
    Cadillac, MI (FHA|USDA|VA) 4 $700,000 $175,000 $2,378 2.91%
    Ludington, MI (FHA|USDA|VA) 5 $665,000 $133,000 $2,612 3.43%
    NILES, MI (FHA|USDA|VA) 2 $640,000 $320,000 $2,405 2.81%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $635,000 $211,667 $2,964 2.75%
    Sturgis, MI (FHA|USDA|VA) 2 $550,000 $275,000 $3,163 2.81%
    Adrian, MI (FHA|USDA|VA) 3 $535,000 $178,333 $2,892 2.83%
    JACKSON, MI (FHA|USDA|VA) 2 $330,000 $165,000 $2,757 3.00%
    Houghton, MI (FHA|USDA|VA) 2 $320,000 $160,000 $2,427 2.75%
    MONROE, MI (FHA|USDA|VA) 2 $240,000 $120,000 $1,911 2.63%
    Hillsdale, MI (FHA|USDA|VA) 1 $165,000 $165,000 $2,474 3.00%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $155,000 $155,000 $4,231 3.00%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $105,000 $105,000 $2,818 3.00%
    Alpena, MI (FHA|USDA|VA) 1 $105,000 $105,000 $1,853 2.75%
    Isabella Bank's top markets include Mount Pleasant, Big Rapids, Grand Rapids, Saginaw, and Midland among others.

    Their top states include:
  • Michigan (FHA|USDA|VA)

    • Similar Lenders

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

    JOLT CREDIT UNION
    Similarity Rank: 54
    HEALTH ADVANTAGE FEDERAL CREDIT UNION
    Similarity Rank: 154
    Community West Credit Union
    Similarity Rank: 210
    KENT COUNTY CREDIT UNION
    Similarity Rank: 235
    ADVANTAGE ONE Credit Union
    Similarity Rank: 287
    SECURITY CREDIT UNION
    Similarity Rank: 387
    St James Mortgage Corporation
    Similarity Rank: 408
    PREFERRED CREDIT UNION
    Similarity Rank: 425
    Polish-American Federal Credit Union
    Similarity Rank: 434
    BIRMINGHAM-BLOOMFIELD Credit Union
    Similarity Rank: 472

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,335 $250,105,000 $187,345 $2,324 3.11%
    USDA 19 $2,385,000 $125,526 $3,494 3.47%

    For 2020, Isabella Bank's most frequently originated type of loan was Conventional, with 1,335 originations. Their 2nd most popular type was USDA, with 19 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 651 $134,095,000 $205,983 $2,006 3.05%
    Home Purchase 421 $76,995,000 $182,886 $2,619 3.35%
    Cash Out Refi 245 $38,185,000 $155,857 $2,828 2.86%
    Other 26 $2,120,000 $81,538 $1,693 3.50%
    Home Improvement 11 $1,095,000 $99,545 $1,872 3.63%

    For 2020, Isabella Bank's most frequently cited loan purpose was Refi, with 651 originations. The 2nd most popular reason was Home Purchase, with 421 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 624 $109,820,000 $175,994 $2,592 3.12%
    15 Year 467 $77,655,000 $166,285 $2,034 2.83%
    20 Year 140 $28,920,000 $206,571 $2,546 3.51%
    Other 62 $21,690,000 $349,839 $1,951 3.59%
    10 Year 38 $2,760,000 $72,632 $1,334 3.99%
    5 Year 16 $9,740,000 $608,750 $774 4.29%
    30+ year 7 $1,905,000 $272,143 $3,702 3.05%

    For 2020, Isabella Bank's most frequently cited loan duration was 30 Year, with 624 originations. The 2nd most popular length was 15 Year, with 467 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 852 $135,370,000 $158,885
    $1k-2k 260 $43,100,000 $165,769
    $2k-3k 71 $14,855,000 $209,225
    $3k-4k 34 $7,380,000 $217,059
    $4k-5k 11 $2,555,000 $232,273
    $5k+ 11 $3,505,000 $318,636

    Isabella Bank's average total fees were $2,592, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 852 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 551 $94,215,000 $170,989
    3-4% 445 $76,855,000 $172,708
    <2.5% 237 $41,775,000 $176,266
    4-5% 88 $36,140,000 $410,682
    5-6% 31 $3,175,000 $102,419
    6-7% 2 $330,000 $165,000

    During 2020, Isabella Bank's average interest rate for loans was 3.12%, while their most frequently originated rate bucket for loans was 2.5-3%, with 551 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 622 $89,610,000 $144,068 $2,325 3.00%
    $100,000 or less 367 $25,595,000 $69,741 $1,800 3.37%
    $200k-400k 304 $80,760,000 $265,658 $2,780 2.99%
    $400k-600k 41 $18,985,000 $463,049 $3,553 3.23%
    $1MM+ 10 $30,330,000 $3,033,000 $4,223 3.99%
    $600k-1MM 10 $7,210,000 $721,000 $3,577 3.60%

    2020 saw Isabella Bank place emphasis on $100k-200k loans with 622 originations, totaling $89,610,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 273 $49,255,000 $180,421 $2,414 2.92%
    $50k-75k 260 $35,080,000 $134,923 $2,381 3.04%
    $50k or less 218 $20,750,000 $95,183 $2,089 3.10%
    $75k-100k 200 $31,400,000 $157,000 $2,349 2.97%
    $150k-250k 149 $35,655,000 $239,295 $2,714 2.87%
    $250k+ 69 $24,395,000 $353,551 $2,882 2.87%

    Isabella Bank lent most frequently to those with incomes in the $100k-150k range, with 273 originations. The second most popular income band? $50k-75k, with 260 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 422 $67,940,000 $160,995 $2,324 2.94%
    30-36% 255 $42,485,000 $166,608 $2,378 3.03%
    <20% 249 $45,795,000 $183,916 $2,167 2.86%
    36% 48 $7,440,000 $155,000 $2,407 3.04%
    37% 36 $6,030,000 $167,500 $2,515 3.08%
    39% 34 $6,060,000 $178,235 $2,238 3.20%
    38% 31 $4,615,000 $148,871 $2,360 3.14%
    41% 26 $3,480,000 $133,846 $2,354 2.93%
    40% 25 $3,825,000 $153,000 $2,650 3.10%
    42% 24 $4,300,000 $179,167 $2,852 3.01%
    45% 18 $3,180,000 $176,667 $2,698 3.00%
    43% 17 $3,435,000 $202,059 $2,778 3.01%
    44% 15 $2,705,000 $180,333 $2,495 3.02%
    46% 12 $1,620,000 $135,000 $2,575 3.07%
    49% 10 $1,690,000 $169,000 $2,451 3.18%
    48% 9 $1,115,000 $123,889 $2,350 2.97%
    50-60% 6 $840,000 $140,000 $2,519 2.94%
    47% 5 $645,000 $129,000 $1,973 3.25%

    Isabella Bank lent most frequently to those with DTI ratios of 20-30%, with 422 originations. The next most common DTI ratio? 30-36%, with 255 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,169 $196,635,000 $168,208 $2,348 3.05%
    Not applicable 62 $31,040,000 $500,645 $0 4.79%
    Not provided 77 $15,535,000 $201,753 $2,406 2.82%
    Asian 14 $3,380,000 $241,429 $2,157 3.01%
    American Indian 16 $3,340,000 $208,750 $2,040 3.26%
    Asian Indian 5 $1,095,000 $219,000 $1,746 2.68%
    Black 8 $950,000 $118,750 $2,260 3.33%
    Native Hawaiian or Islander 1 $195,000 $195,000 $2,126 3.13%
    Other Asian 1 $195,000 $195,000 $2,175 2.50%
    Korean 1 $125,000 $125,000 $914 2.50%

    Approval Rates

    Total approvals of all applications
    87.69%

    Isabella Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    66.54%

    Isabella Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,354 $252,490,000 $186,477

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $7,145,000 $7,145,000
    Multifamily:Site-Built 32 $29,060,000 $908,125
    Single Family (1-4 Units):Manufactured 60 $5,440,000 $90,667
    Single Family (1-4 Units):Site-Built 1,261 $210,845,000 $167,205

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 89 $10,695,000 $120,169 $1,759 3.11%
    40-60% 289 $47,135,000 $163,097 $1,985 3.00%
    60-80% 584 $116,130,000 $198,853 $2,506 3.10%
    80-100% 371 $77,705,000 $209,447 $2,548 3.17%
    Under 20% 16 $580,000 $36,250 $744 4.41%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Isabella Bank 1125 North Mcewan Street Clare, MI 48617 Limited, Drive-thru $0
    Isabella Bank 125 N. Coldwater Rd Lake Isabella, MI 48893 Full Service B&M $6,751
    Isabella Bank 131 N State St Stanton, MI 48888 Full Service B&M $22,628
    Isabella Bank 1402 East Center Ithaca, MI 48847 Full Service B&M $49,599
    Isabella Bank 1402 West High Street Mount Pleasant, MI 48858 Full Service B&M $90,990
    Isabella Bank 1405 West Washington Street Greenville, MI 48838 Full Service B&M $94,771
    Isabella Bank 1416 East Pickard Street Mount Pleasant, MI 48858 Full Service B&M $146,980
    Isabella Bank 16490 Gratiot Road Hemlock, MI 48626 Full Service B&M $37,194
    Isabella Bank 1876 North Winn Road Weidman, MI 48893 Full Service B&M $24,761
    Isabella Bank 200 East Broadway Mount Pleasant, MI 48858 Full Service B&M $203,644
    Isabella Bank 200 S University Mount Pleasant, MI 48858 Limited, Drive-thru $0
    Isabella Bank 203 East Genesee Avenue Saginaw, MI 48607 Full Service B&M $1,886
    Isabella Bank 210 S Saginaw Street Midland, MI 48640 Full Service B&M $20,684
    Isabella Bank 2127 South Mission Street Mount Pleasant, MI 48858 Full Service B&M $111,665
    Isabella Bank 21440 Perry St Big Rapids, MI 49307 Full Service B&M $47,732
    Isabella Bank 220 West Wheatland Street Remus, MI 49340 Full Service B&M $33,938
    Isabella Bank 2222 N. Saginaw Road Midland, MI 48640 Full Service B&M $48,812
    Isabella Bank 240 East Northern Avenue Barryton, MI 49305 Full Service B&M $23,618
    Isabella Bank 313 West Bridge Street Six Lakes, MI 48886 Full Service B&M $37,708
    Isabella Bank 316 East Saginaw Street Breckenridge, MI 48615 Full Service B&M $73,235
    Isabella Bank 3388 North Woodruff Road Weidman, MI 48893 Full Service B&M $43,831
    Isabella Bank 399 South Main Street Freeland, MI 48623 Full Service B&M $23,921
    Isabella Bank 399 West Main Street Farwell, MI 48622 Full Service B&M $53,220
    Isabella Bank 401 East Main Street Blanchard, MI 49310 Full Service B&M $22,070
    Isabella Bank 4975 Bay Road Saginaw, MI 48604 Full Service B&M $35,202
    Isabella Bank 500 East Wright Avenue Shepherd, MI 48883 Full Service B&M $38,241
    Isabella Bank 532 Mcewan Clare, MI 48617 Full Service B&M $71,845
    Isabella Bank 711 Maple Street Big Rapids, MI 49307 Full Service B&M $3,491
    Isabella Bank 8225 West Ludington Drive Lake, MI 48632 Full Service B&M $7,651
    Isabella Bank 8351 100th Avenue Canadian Lakes, MI 49346 Full Service B&M $65,111

    For 2020, Isabella Bank had 30 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $64,269
    Net interest income $50,476
    Total noninterest income $14,650
    Gross Fiduciary activities income $2,294
    Service charges on deposit accounts $1,824
    Trading account gains and fees $0
    Additional Noninterest Income $10,532
    Pre-tax net operating income $13,381
    Securities gains (or losses, -) $71
    Income before extraordinary items $12,250
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,250
    Minority interest net income $0
    Net income $12,250
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,185

    Isabella Bank's gross interest income from loans was $64,269,000.
    Isabella Bank's net interest income from loans was $50,476,000.
    Isabella Bank's fee based income from loans was $1,824,000.
    Isabella Bank's net income from loans was $12,250,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,793
    Provision for credit losses $1,665
    Total noninterest expense $50,080
    Salaries and employee benefits $23,761
    Premises and equipment expense $8,247
    Additional noninterest expense $18,072
    Applicable income taxes $1,202
    Net charge-offs $-140
    Cash dividends $9,300

    Isabella Bank's interest expense for loans was $13,793,000.
    Isabella Bank's payroll and benefits expense were $23,761,000.
    Isabella Bank's property, plant and equipment expenses $8,247,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,569,399
    Deposits held in domestic offices $1,569,399
    Deposits by Individuals, partnerships, and corporations $1,342,723
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $193,266
    Deposits by Commercial banks and other depository institutions in U.S. $33,410
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $680,920
    Demand deposits $680,920
    Nontransaction accounts $888,479
    Money market deposit accounts (MMDAs) $268,360
    Other savings deposits (excluding MMDAs) $237,139
    Total time deposits $382,980
    Total time and savings deposits $888,479
    Noninterest-bearing deposits $378,475
    Interest-bearing deposits $1,190,924
    Retail deposits $1,448,178
    IRAs and Keogh plan accounts $55,301
    Brokered deposits $14,029
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,908,060
    Cash & Balances due from depository institutions $246,641
    Interest-bearing balances $215,345
    Total securities $339,227
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,231,306
    Loan and leases loss allowance $9,744
    Trading account assets $0
    Bank premises and fixed assets $22,686
    Other real estate owned $390
    Goodwill and other intangibles $7,083
    All other assets $60,727

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,908,060
    Total Liabilities $1,742,485
    Total deposits $1,569,399
    Interest-bearing deposits $1,190,924
    Deposits held in domestic offices $1,569,399
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $68,747
    Trading liabilities $0
    Other borrowed funds $90,000
    Subordinated debt $0
    All other liabilities $14,339

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,231,306
    Loan and leases loss allowance $9,744
    Total loans and leases (domestic) $1,241,050
    All real estate loans $885,069
    Real estate loans in domestic offices $885,069
    Construction and development loans $22,260
    Residential 1-4 family construction $10,508
    Other construction, all land development and other land $11,752
    Loans secured by nonfarm nonresidential properties $351,146
    Nonfarm nonresidential secured by owner-occupied properties $168,285
    Commercial real estate & other non-farm, non-residential $182,861
    Multifamily residential real estate $84,466
    1-4 family residential loans $355,762
    Farmland loans $71,435
    Loans held in foreign offices $0
    Farm loans $29,820
    Commercial and industrial loans $187,698
    To non-U.S. addressees $0
    Loans to individuals $73,578
    Credit card loans $0
    Related Plans $311
    Consumer Auto Loans $28,472
    Other loans to individuals $44,795
    All other loans & leases $64,885
    Loans to foreign governments and official institutions $0
    Other loans $63,878
    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 $22,017
    Non 1-4 family restructured loans & leases $16,532
    Total loans and leases (foreign) $0

    Isabella Bank had $1,231,306,000 of loans outstanding in 2020. $885,069,000 of loans were in real estate loans. $22,260,000 of loans were in development loans. $84,466,000 of loans were in multifamily mortgage loans. $355,762,000 of loans were in 1-4 family mortgage loans. $29,820,000 of loans were in farm loans. $0 of loans were in credit card loans. $28,472,000 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 605 $122,344 $202,221
    Nonfarm, nonresidential loans - <$100k 180 $8,082 $44,900
    Nonfarm, nonresidential loans - $100-250k 218 $28,079 $128,803
    Nonfarm, nonresidential loans - $250k-1MM 207 $86,183 $416,343
    Commercial & Industrial, US addressed loans - <$1MM 1,882 $145,133 $77,116
    Commercial & Industrial, US addressed loans - <$100k 1,359 $37,931 $27,911
    Commercial & Industrial, US addressed loans - $100-250k 334 $40,008 $119,784
    Commercial & Industrial, US addressed loans - $250k-1MM 189 $67,194 $355,524
    Farmland loans - <$1MM 291 $37,982 $130,522
    Farmland loans - <$100k 118 $5,477 $46,415
    Farmland loans - $100-250k 111 $14,509 $130,712
    Farmland loans - $250k-1MM 62 $17,996 $290,258
    Agriculture operations loans - <$1MM 338 $16,127 $47,713
    Agriculture operations loans - <$100k 266 $5,730 $21,541
    Agriculture operations loans - $100-250k 54 $5,152 $95,407
    Agriculture operations loans - $250k-1MM 18 $5,245 $291,389