Jersey Shore State Bank Mortgage Rates, Fees & Info
Williamsport, PALEI: 549300YHEI1EIYO6OO67
Tax ID: 24-0622580
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Bank Data
Overview
Jersey Shore State Bank is a smaller bank specializing in Home Purchase and Refi loans. Jersey Shore State Bank has a high proportion of conventional loans. Their top markets include Williamsport, State College, Lock Haven, Altoona, and Huntingdon among others. Jersey Shore State Bank has an above average approval rate for mortages when compared nationally. They have an average pick rate when compared to the same sample of other lendors. Jersey Shore State Bank is typically an average fee lendor.Originations
1,776Origination Dollar Volume (All Markets)
$269,030,000Employee count
242Awards
Jersey Shore State Bank - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
Jersey Shore State Bank's average 30 year fixed rate mortgage of loans were
2.95%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.2%.
Relative Fees
Jersey Shore State Bank's average total fees for a 30 year fixed rate
mortgage are $5,715.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| WILLIAMSPORT, PA (FHA|USDA|VA) | 752 | $95,240,000 | $126,649 | $4,374 | 2.65% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 284 | $56,270,000 | $198,134 | $5,662 | 2.61% |
| Lock Haven, PA (FHA|USDA|VA) | 227 | $26,215,000 | $115,485 | $4,944 | 2.57% |
| ALTOONA, PA (FHA|USDA|VA) | 51 | $15,735,000 | $308,529 | $4,521 | 2.83% |
| Huntingdon, PA (FHA|USDA|VA) | 9 | $15,315,000 | $1,701,667 | $6,568 | 3.83% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 66 | $11,790,000 | $178,636 | $4,286 | 3.03% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 66 | $10,300,000 | $156,061 | $4,678 | 2.82% |
| Lewisburg, PA (FHA|USDA|VA) | 45 | $9,275,000 | $206,111 | $36,445 | 2.75% |
| Sunbury, PA (FHA|USDA|VA) | 71 | $7,125,000 | $100,352 | $4,930 | 2.80% |
| DuBois, PA (FHA|USDA|VA) | 90 | $7,070,000 | $78,556 | $4,770 | 2.42% |
| Outside of Metro Areas | 57 | $6,065,000 | $106,404 | $5,294 | 2.48% |
| Lewistown, PA (FHA|USDA|VA) | 11 | $2,145,000 | $195,000 | $5,060 | 2.77% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $6,893 | 2.44% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $4,590 | 2.96% |
| Somerset, PA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,465 | 3.25% |
| Sayre, PA (FHA|USDA|VA) | 5 | $595,000 | $119,000 | $4,109 | 2.68% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $5,095 | 3.25% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 8 | $560,000 | $70,000 | $6,101 | 3.49% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,395 | 3.04% |
| Selinsgrove, PA (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $3,953 | 2.60% |
| Pottsville, PA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,629 | 3.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,373 | 3.56% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,193 | 3.13% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 1.99% |
| Indiana, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.25% |
| Meadville, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,545 | 2.63% |
| Bradford, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 2.63% |
| St. Marys, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,621 | 2.38% |
| ERIE, PA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 4.75% |
Jersey Shore State Bank's top markets include Williamsport, State College, Lock Haven, Altoona, and Huntingdon among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 1,590 | $243,390,000 | $153,075 | $5,662 | 2.67% |
| USDA | 186 | $25,640,000 | $137,849 | $5,657 | 2.68% |
For the 2021 period, Jersey Shore State Bank's most frequently originated loan type of loans were Conventional, with 1,590 originations. Their 2nd most popular type is USDA, with 186 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 788 | $131,490,000 | $166,865 | $6,397 | 2.87% |
| Refi | 618 | $105,740,000 | $171,100 | $4,158 | 2.49% |
| Home Improvement | 186 | $11,310,000 | $60,806 | $0 | 2.42% |
| Other | 120 | $6,960,000 | $58,000 | $0 | 2.33% |
| Cash Out Refi | 64 | $13,530,000 | $211,406 | $4,092 | 3.24% |
For the 2021, Jersey Shore State Bank's most frequently cited loan purpose of loans were Home Purchase, with 788 originations. The 2nd most popular reason of loans were Refi, with 618 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 933 | $102,145,000 | $109,480 | $3,564 | 2.40% |
| 30 Year | 527 | $86,245,000 | $163,653 | $5,715 | 2.95% |
| 20 Year | 167 | $53,675,000 | $321,407 | $3,662 | 3.85% |
| 10 Year | 79 | $15,625,000 | $197,785 | $3,688 | 0.77% |
| 30+ year | 29 | $7,695,000 | $265,345 | $7,108 | 3.94% |
| 15 Year | 26 | $2,810,000 | $108,077 | $3,391 | 3.90% |
| 5 Year | 12 | $240,000 | $20,000 | $1,534 | 1.31% |
| 1 Year | 3 | $595,000 | $198,333 | $2,415 | 4.50% |
For the 2021, Jersey Shore State Bank's most frequently cited loan length of loans were Other, with 933 originations. The 2nd most popular length of loans were 30 Year, with 527 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 523 | $82,215,000 | $157,199 |
| $2k-3k | 27 | $6,705,000 | $248,333 |
| $3k-4k | 21 | $6,185,000 | $294,524 |
| $<1k | 14 | $1,420,000 | $101,429 |
| $5k+ | 4 | $1,550,000 | $387,500 |
$5,715 of loans were Jersey Shore State Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 523 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 896 | $101,800,000 | $113,616 |
| 2.5-3% | 418 | $57,480,000 | $137,512 |
| 3-4% | 342 | $91,880,000 | $268,655 |
| 4-5% | 118 | $17,670,000 | $149,746 |
| 5-6% | 2 | $200,000 | $100,000 |
During 2021, Jersey Shore State Bank's average interest rate of loans were 2.95%, while their most frequently originated rate bucket of loans were <2.5%, with 896 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 811 | $41,055,000 | $50,623 | $3,698 | 2.44% |
| $100k-200k | 643 | $91,895,000 | $142,916 | $6,396 | 2.80% |
| $200k-400k | 264 | $68,180,000 | $258,258 | $5,540 | 2.94% |
| $400k-600k | 34 | $17,080,000 | $502,353 | $6,216 | 3.21% |
| $1MM+ | 13 | $42,765,000 | $3,289,615 | $0 | 3.13% |
| $600k-1MM | 11 | $8,055,000 | $732,273 | $14,356 | 3.28% |
2021 saw Jersey Shore State Bank place emphasis on $100,000 or less loans with 811 originations, totaling $41,055,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 450 | $50,410,000 | $112,022 | $4,855 | 2.51% |
| $50k or less | 404 | $35,480,000 | $87,822 | $7,689 | 2.43% |
| $75k-100k | 292 | $36,420,000 | $124,726 | $5,044 | 2.55% |
| $100k-150k | 250 | $34,750,000 | $139,000 | $4,435 | 2.65% |
| $150k-250k | 127 | $22,775,000 | $179,331 | $5,036 | 2.71% |
| $250k+ | 52 | $18,230,000 | $350,577 | $6,228 | 2.80% |
Jersey Shore State Bank lent most frequently to those with incomes in the $50k-75k range, with 450 originations. The second most popular income band? $50k or less, with 404 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 448 | $50,920,000 | $113,661 | $4,637 | 2.46% |
| 30-36% | 297 | $36,985,000 | $124,529 | $8,909 | 2.47% |
| <20% | 276 | $30,050,000 | $108,877 | $4,215 | 2.38% |
| 39% | 76 | $11,230,000 | $147,763 | $5,447 | 2.54% |
| 36% | 61 | $7,485,000 | $122,705 | $4,445 | 2.48% |
| 37% | 58 | $5,510,000 | $95,000 | $3,917 | 2.36% |
| 38% | 52 | $8,440,000 | $162,308 | $5,295 | 2.59% |
| 40% | 44 | $5,670,000 | $128,864 | $4,749 | 2.48% |
| 44% | 33 | $3,765,000 | $114,091 | $4,680 | 2.25% |
| 42% | 29 | $4,515,000 | $155,690 | $5,885 | 2.44% |
| 41% | 27 | $4,065,000 | $150,556 | $4,930 | 2.29% |
| 43% | 23 | $3,165,000 | $137,609 | $4,488 | 2.61% |
| 45% | 22 | $2,790,000 | $126,818 | $4,408 | 2.68% |
| 48% | 11 | $2,085,000 | $189,545 | $4,071 | 2.99% |
| 46% | 10 | $1,740,000 | $174,000 | $5,838 | 2.85% |
| 50-60% | 7 | $2,655,000 | $379,286 | $5,343 | 3.48% |
| 47% | 6 | $680,000 | $113,333 | $3,695 | 2.84% |
| 49% | 4 | $990,000 | $247,500 | $4,783 | 2.81% |
| >60% | 3 | $545,000 | $181,667 | $5,242 | 4.17% |
Jersey Shore State Bank lent most frequently to those with DTI ratios of 20-30%, with 448 originations. The next most common DTI ratio? 30-36%, with 297 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 1,430 | $190,890,000 | $133,490 | $5,743 | 2.58% |
| Not applicable | 147 | $49,225,000 | $334,864 | $0 | 3.88% |
| Not provided | 178 | $25,980,000 | $145,955 | $5,022 | 2.37% |
| Black | 14 | $1,480,000 | $105,714 | $4,814 | 2.56% |
| Asian | 5 | $1,075,000 | $215,000 | $4,336 | 2.20% |
| Asian Indian | 2 | $380,000 | $190,000 | $8,539 | 2.95% |
Approval Rates
Total approvals of all applications94.11%
Jersey Shore State Bank has an average approval rate.
Pick Rate
Approvals leading to origination92.08%
Jersey Shore State Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 1 | $55,000 | $55,000 |
| NA | 1,775 | $268,975,000 | $151,535 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1,776 | $269,030,000 | $151,481 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 279 | $21,865,000 | $78,369 | $4,070 | 2.46% |
| 40-60% | 219 | $29,635,000 | $135,320 | $4,095 | 2.68% |
| 60-80% | 390 | $92,190,000 | $236,385 | $7,225 | 3.07% |
| 80-100% | 556 | $114,710,000 | $206,313 | $5,009 | 2.95% |
| Over 100% | 9 | $1,475,000 | $163,889 | $6,380 | 2.80% |
| Under 20% | 322 | $9,140,000 | $28,385 | $3,054 | 1.86% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Jersey Shore State Bank | 100 Cobblestone Road Bellefonte, PA 16823 | Full Service B&M | $76,406 |
| Jersey Shore State Bank | 2050 North Atherton Street State College, PA 16803 | Full Service B&M | $48,107 |
| Jersey Shore State Bank | 2675 Euclid Avenue Duboistown, PA 17702 | Full Service B&M | $67,492 |
| Jersey Shore State Bank | 2842 Earlystown Road Centre Hall, PA 16828 | Full Service B&M | $52,975 |
| Jersey Shore State Bank | 300 Market Street Williamsport, PA 17701 | Limited, Drive-thru | $0 |
| Jersey Shore State Bank | 300 Market Street Williamsport, PA 17701 | Full Service B&M | $248,116 |
| Jersey Shore State Bank | 4 West Main Street Lock Haven, PA 17745 | Full Service B&M | $125,752 |
| Jersey Shore State Bank | 44 Muncy Creek Blvd Muncy, PA 17756 | Full Service B&M | $13,529 |
| Jersey Shore State Bank | 493 East Sycamore Road Snow Shoe, PA 16874 | Full Service B&M | $12,969 |
| Jersey Shore State Bank | 503 E Plank Rd Altoona, PA 16602 | Full Service B&M | $2,779 |
| Jersey Shore State Bank | 550 North Derr Drive Lewisburg, PA 17837 | Full Service B&M | $53,072 |
| Jersey Shore State Bank | 820 Broad Street Montoursville, PA 17754 | Full Service B&M | $47,332 |
| Jersey Shore State Bank | 835 E Bishop St Bellefonte, PA 16823 | Full Service B&M | $384 |
| Jersey Shore State Bank | 9094 Rt. 405 Highway Montgomery, PA 17752 | Full Service B&M | $31,791 |
| Jersey Shore State Bank | 112 Bridge Street Jersey Shore, PA 17740 | Full Service B&M | $32,754 |
| Jersey Shore State Bank | 115 South Main Street Jersey Shore, PA 17740 | Full Service B&M | $132,416 |
| Jersey Shore State Bank | 150 Continental Blvd Danville, PA 17821 | Full Service B&M | $58,657 |
| Jersey Shore State Bank | 1720 East Third Street Williamsport, PA 17701 | Full Service B&M | $21,126 |
| Jersey Shore State Bank | 173 Hogan Boulevard Mill Hall, PA 17751 | Full Service Retail | $32,988 |
For 2021, Jersey Shore State Bank had 19 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $42,380 |
| Net interest income | $35,543 |
| Total noninterest income | $8,614 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,271 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $7,343 |
| Pre-tax net operating income | $15,398 |
| Securities gains (or losses, -) | $287 |
| Income before extraordinary items | $12,690 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $12,690 |
| Minority interest net income | $0 |
| Net income | $12,690 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $12,457 |
Jersey Shore State Bank's gross interest income from loans was $42,380,000.
Jersey Shore State Bank's net interest income from loans was $35,543,000.
Jersey Shore State Bank's fee based income from loans was $1,271,000.
Jersey Shore State Bank's net income from loans was $12,690,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $6,837 |
| Provision for credit losses | $1,250 |
| Total noninterest expense | $27,509 |
| Salaries and employee benefits | $16,173 |
| Premises and equipment expense | $4,635 |
| Additional noninterest expense | $6,701 |
| Applicable income taxes | $2,995 |
| Net charge-offs | $223 |
| Cash dividends | $5,923 |
Jersey Shore State Bank's interest expense for loans was $6,837,000.
Jersey Shore State Bank's payroll and benefits expense were $16,173,000.
Jersey Shore State Bank's property, plant and equipment expenses $4,635,000.
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 | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $1,114,490 |
| Deposits held in domestic offices | $1,114,490 |
| Deposits by Individuals, partnerships, and corporations | $936,139 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $177,473 |
| Deposits by Commercial banks and other depository institutions in U.S. | $878 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $85,711 |
| Demand deposits | $58,890 |
| Nontransaction accounts | $1,028,779 |
| Money market deposit accounts (MMDAs) | $233,672 |
| Other savings deposits (excluding MMDAs) | $669,646 |
| Total time deposits | $125,463 |
| Total time and savings deposits | $1,055,600 |
| Noninterest-bearing deposits | $304,938 |
| Interest-bearing deposits | $809,552 |
| Retail deposits | $1,075,386 |
| IRAs and Keogh plan accounts | $18,204 |
| Brokered deposits | $16,598 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,354,455 |
| Cash & Balances due from depository institutions | $94,007 |
| Interest-bearing balances | $80,022 |
| Total securities | $134,695 |
| Federal funds sold & reverse repurchase | $30,000 |
| Net loans and leases | $1,006,692 |
| Loan and leases loss allowance | $10,318 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $26,582 |
| Other real estate owned | $83 |
| Goodwill and other intangibles | $3,446 |
| All other assets | $58,950 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,354,455 |
| Total Liabilities | $1,242,354 |
| Total deposits | $1,114,490 |
| Interest-bearing deposits | $809,552 |
| Deposits held in domestic offices | $1,114,490 |
| % insured (estimated) | $58 |
| Federal funds purchased and repurchase agreements | $1,985 |
| Trading liabilities | $0 |
| Other borrowed funds | $118,393 |
| Subordinated debt | $0 |
| All other liabilities | $7,486 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,006,692 |
| Loan and leases loss allowance | $10,318 |
| Total loans and leases (domestic) | $1,017,010 |
| All real estate loans | $786,178 |
| Real estate loans in domestic offices | $786,178 |
| Construction and development loans | $29,480 |
| Residential 1-4 family construction | $10,532 |
| Other construction, all land development and other land | $18,948 |
| Loans secured by nonfarm nonresidential properties | $222,067 |
| Nonfarm nonresidential secured by owner-occupied properties | $74,909 |
| Commercial real estate & other non-farm, non-residential | $147,158 |
| Multifamily residential real estate | $83,040 |
| 1-4 family residential loans | $443,872 |
| Farmland loans | $7,719 |
| Loans held in foreign offices | $0 |
| Farm loans | $489 |
| Commercial and industrial loans | $50,883 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $117,608 |
| Credit card loans | $0 |
| Related Plans | $3,283 |
| Consumer Auto Loans | $110,253 |
| Other loans to individuals | $4,072 |
| All other loans & leases | $61,853 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $172 |
| Loans to depository institutions and acceptances of other banks | $20,067 |
| Loans not secured by real estate | $7,931 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $4,009 |
| Non 1-4 family restructured loans & leases | $406 |
| Total loans and leases (foreign) | $0 |
Jersey Shore State Bank had $1,006,692,000 of loans outstanding in 2021. $786,178,000 of loans were in real estate loans. $29,480,000 of loans were in development loans. $83,040,000 of loans were in multifamily mortgage loans. $443,872,000 of loans were in 1-4 family mortgage loans. $489,000 of loans were in farm loans. $0 of loans were in credit card loans. $110,253,000 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 | 445 | $90,920 | $204,315 |
| Nonfarm, nonresidential loans - <$100k | 106 | $4,392 | $41,434 |
| Nonfarm, nonresidential loans - $100-250k | 166 | $20,994 | $126,470 |
| Nonfarm, nonresidential loans - $250k-1MM | 173 | $65,534 | $378,809 |
| Commercial & Industrial, US addressed loans - <$1MM | 669 | $35,208 | $52,628 |
| Commercial & Industrial, US addressed loans - <$100k | 533 | $13,744 | $25,786 |
| Commercial & Industrial, US addressed loans - $100-250k | 96 | $10,035 | $104,531 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 40 | $11,429 | $285,725 |
| Farmland loans - <$1MM | 29 | $4,272 | $147,310 |
| Farmland loans - <$100k | 7 | $304 | $43,429 |
| Farmland loans - $100-250k | 11 | $1,536 | $139,636 |
| Farmland loans - $250k-1MM | 11 | $2,432 | $221,091 |
| Agriculture operations loans - <$1MM | 18 | $489 | $27,167 |
| Agriculture operations loans - <$100k | 14 | $260 | $18,571 |
| Agriculture operations loans - $100-250k | 4 | $229 | $57,250 |
