Community Bank Mortgage Rates, Fees & Info
Longview, TXLEI: 549300YK8RG6J51VOI08
Tax ID: 75-1907541
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Mortgage Data
Bank Data
Review & Overview
Community Bank is a smaller bank specializing in various types of mortgages.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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Originations
0Origination Dollar Volume (All Markets)
$0Employee count
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Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| COMMUNITY BANK SYSTEM, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Community Bank | 101 Community Boulevard Longview, TX 75605 | Full Service B&M | $140,220 |
| Community Bank | 104 Highway 155 Avinger, TX 75630 | Full Service B&M | $10,510 |
| Community Bank | 2440 South High Street Longview, TX 75602 | Full Service B&M | $19,568 |
| Community Bank | 300 North Main Street Lone Star, TX 75668 | Full Service B&M | $28,999 |
| Community Bank | 3609 Mccann Road Longview, TX 75605 | Full Service B&M | $15,313 |
| Community Bank | 700 W. Main Hallsville, TX 75650 | Full Service B&M | $14,159 |
For 2021, Community Bank had 6 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $8,767 |
| Net interest income | $8,479 |
| Total noninterest income | $814 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $224 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $590 |
| Pre-tax net operating income | $5,206 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $5,206 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,206 |
| Minority interest net income | $0 |
| Net income | $5,206 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $5,206 |
Community Bank's gross interest income from loans was $8,767,000.
Community Bank's net interest income from loans was $8,479,000.
Community Bank's fee based income from loans was $224,000.
Community Bank's net income from loans was $5,206,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $288 |
| Provision for credit losses | $0 |
| Total noninterest expense | $4,087 |
| Salaries and employee benefits | $1,916 |
| Premises and equipment expense | $886 |
| Additional noninterest expense | $1,285 |
| Applicable income taxes | $0 |
| Net charge-offs | $-1 |
| Cash dividends | $4,400 |
Community Bank's interest expense for loans was $288,000.
Community Bank's payroll and benefits expense were $1,916,000.
Community Bank's property, plant and equipment expenses $886,000.
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 | $231,427 |
| Deposits held in domestic offices | $231,427 |
| Deposits by Individuals, partnerships, and corporations | $217,661 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $13,767 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $140,491 |
| Demand deposits | $91,476 |
| Nontransaction accounts | $90,937 |
| Money market deposit accounts (MMDAs) | $21,019 |
| Other savings deposits (excluding MMDAs) | $27,359 |
| Total time deposits | $42,560 |
| Total time and savings deposits | $139,952 |
| Noninterest-bearing deposits | $91,476 |
| Interest-bearing deposits | $139,951 |
| Retail deposits | $214,169 |
| IRAs and Keogh plan accounts | $2,590 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $258,763 |
| Cash & Balances due from depository institutions | $41,663 |
| Interest-bearing balances | $39,953 |
| Total securities | $5,000 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $204,905 |
| Loan and leases loss allowance | $2,621 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $5,262 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,933 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $258,763 |
| Total Liabilities | $231,450 |
| Total deposits | $231,427 |
| Interest-bearing deposits | $139,951 |
| Deposits held in domestic offices | $231,427 |
| % insured (estimated) | $70 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $23 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $204,905 |
| Loan and leases loss allowance | $2,621 |
| Total loans and leases (domestic) | $207,526 |
| All real estate loans | $174,096 |
| Real estate loans in domestic offices | $174,096 |
| Construction and development loans | $16,835 |
| Residential 1-4 family construction | $3,628 |
| Other construction, all land development and other land | $13,207 |
| Loans secured by nonfarm nonresidential properties | $65,105 |
| Nonfarm nonresidential secured by owner-occupied properties | $47,302 |
| Commercial real estate & other non-farm, non-residential | $17,803 |
| Multifamily residential real estate | $526 |
| 1-4 family residential loans | $91,630 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $87 |
| Commercial and industrial loans | $25,877 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $6,752 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $1,738 |
| Other loans to individuals | $5,014 |
| All other loans & leases | $716 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $716 |
| 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 | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Community Bank had $204,905,000 of loans outstanding in 2021. $174,096,000 of loans were in real estate loans. $16,835,000 of loans were in development loans. $526,000 of loans were in multifamily mortgage loans. $91,630,000 of loans were in 1-4 family mortgage loans. $87,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,738,000 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 | 145 | $33,505 | $231,069 |
| Nonfarm, nonresidential loans - <$100k | 26 | $972 | $37,385 |
| Nonfarm, nonresidential loans - $100-250k | 54 | $6,968 | $129,037 |
| Nonfarm, nonresidential loans - $250k-1MM | 65 | $25,565 | $393,308 |
| Commercial & Industrial, US addressed loans - <$1MM | 187 | $11,307 | $60,465 |
| Commercial & Industrial, US addressed loans - <$100k | 138 | $3,310 | $23,986 |
| Commercial & Industrial, US addressed loans - $100-250k | 25 | $2,338 | $93,520 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 24 | $5,659 | $235,792 |
| Agriculture operations loans - <$1MM | 7 | $87 | $12,429 |
| Agriculture operations loans - <$100k | 6 | $87 | $14,500 |
| Agriculture operations loans - $250k-1MM | 1 | $0 | $0 |