Fnb Community Bank Mortgage Rates, Fees & Info

Midwest City, OK

LEI: 549300YPUST7CSVL4680

Tax ID: 73-0127305

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    Fnb Community Bank is a smaller bank specializing in Refi and Home Purchase loans. Fnb Community Bank has a high proportion of conventional loans. Their top two markets are Oklahoma City and Shawnee .

    Fnb Community 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.

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    Originations

    97

    Origination Dollar Volume (All Markets)

    $8,625,000

    Employee count

    113

    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) 94 $8,170,000 $86,915 $0 0.00%
    Outside of Metro Areas 2 $420,000 $210,000 $0 0.00%
    Shawnee, OK (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
    Fnb Community Bank's top markets include Oklahoma City and Shawnee among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 97 $8,625,000 $88,918 $0 0.00%

    For 2019, Fnb Community Bank's most frequently originated type of loan was Conventional, with 97 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 29 $2,815,000 $97,069 $0 0.00%
    Home Improvement 25 $1,645,000 $65,800 $0 0.00%
    Home Purchase 22 $3,320,000 $150,909 $0 0.00%
    Other 21 $845,000 $40,238 $0 0.00%

    For 2019, Fnb Community Bank's most frequently cited loan purpose was Refi, with 29 originations. The 2nd most popular reason was Home Improvement, with 25 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 97 $8,625,000 $88,918 $0 0.00%

    For 2019, Fnb Community Bank's most frequently cited loan duration was Other, with 97 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 76 $3,510,000 $46,184 $0 0.00%
    $100k-200k 13 $1,755,000 $135,000 $0 0.00%
    $200k-400k 4 $1,290,000 $322,500 $0 0.00%
    $400k-600k 4 $2,070,000 $517,500 $0 0.00%

    2019 saw Fnb Community Bank place emphasis on $100,000 or less loans with 76 originations, totaling $3,510,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 18 $640,000 $35,556 $0 0.00%
    $50k or less 15 $455,000 $30,333 $0 0.00%
    $100k-150k 11 $615,000 $55,909 $0 0.00%
    $75k-100k 11 $575,000 $52,273 $0 0.00%
    $150k-250k 7 $645,000 $92,143 $0 0.00%
    $250k+ 2 $480,000 $240,000 $0 0.00%

    Fnb Community Bank lent most frequently to those with incomes in the $50k-75k range, with 18 originations. The second most popular income band? $50k or less, with 15 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 97 $8,625,000 $88,918 $0 0.00%

    Fnb Community Bank lent most frequently to those with DTI ratios of Exempt%, with 97 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 33 $5,215,000 $158,030 $0 0.00%
    White 58 $3,200,000 $55,172 $0 0.00%
    Asian 2 $100,000 $50,000 $0 0.00%
    American Indian 3 $95,000 $31,667 $0 0.00%
    Black 1 $15,000 $15,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    81.71%

    Fnb Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    61.86%

    Fnb Community 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
    Exempt 97 $8,625,000 $88,918

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $1,020,000 $510,000
    Single Family (1-4 Units):Manufactured 4 $220,000 $55,000
    Single Family (1-4 Units):Site-Built 91 $7,385,000 $81,154

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    FNB Community Bank 1213 Douglas Blvd Midwest City, OK 73130 Full Service B&M $29,915
    FNB Community Bank 16365 N.E. 23rd Street Choctaw, OK 73020 Full Service B&M $23,539
    FNB Community Bank 20941 Se 29th Harrah, OK 73045 Full Service Retail $20,435
    FNB Community Bank 2911 South Air Depot Boulevard Midwest City, OK 73110 Full Service B&M $271,682
    FNB Community Bank 3001 Staff Drive Tinker Afb, OK 73145 Limited, Military $19,190
    FNB Community Bank 4330 S.E. 29th Street Del City, OK 73115 Full Service B&M $38,218
    FNB Community Bank 601 North Broadway Street Moore, OK 73160 Full Service B&M $6,770

    For 2019, Fnb Community Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $18,166
    Net interest income $15,863
    Total noninterest income $2,812
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,691
    Trading account gains and fees $0
    Additional Noninterest Income $1,121
    Pre-tax net operating income $2,979
    Securities gains (or losses, -) $34
    Income before extraordinary items $2,763
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,763
    Minority interest net income $0
    Net income $2,763
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,731

    Fnb Community Bank's gross interest income from loans was $18,166,000.
    Fnb Community Bank's net interest income from loans was $15,863,000.
    Fnb Community Bank's fee based income from loans was $1,691,000.
    Fnb Community Bank's net income from loans was $2,763,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,303
    Provision for credit losses $2,110
    Total noninterest expense $13,586
    Salaries and employee benefits $8,910
    Premises and equipment expense $1,643
    Additional noninterest expense $3,033
    Applicable income taxes $250
    Net charge-offs $2,079
    Cash dividends $2,988

    Fnb Community Bank's interest expense for loans was $2,303,000.
    Fnb Community Bank's payroll and benefits expense were $8,910,000.
    Fnb Community Bank's property, plant and equipment expenses $1,643,000.

    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 5.0%
    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 $382,844
    Deposits held in domestic offices $382,844
    Deposits by Individuals, partnerships, and corporations $327,557
    Deposits by U.S. Government $106
    Deposits by States and political subdivisions in the U.S. $55,181
    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 $232,596
    Demand deposits $92,450
    Nontransaction accounts $150,248
    Money market deposit accounts (MMDAs) $47,267
    Other savings deposits (excluding MMDAs) $61,389
    Total time deposits $41,592
    Total time and savings deposits $290,394
    Noninterest-bearing deposits $92,450
    Interest-bearing deposits $290,394
    Retail deposits $374,618
    IRAs and Keogh plan accounts $23,035
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $454,526
    Cash & Balances due from depository institutions $25,813
    Interest-bearing balances $15,284
    Total securities $167,024
    Federal funds sold & reverse repurchase $15,210
    Net loans and leases $224,114
    Loan and leases loss allowance $3,717
    Trading account assets $0
    Bank premises and fixed assets $3,301
    Other real estate owned $7,650
    Goodwill and other intangibles $173
    All other assets $11,241

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $454,526
    Total Liabilities $404,132
    Total deposits $382,844
    Interest-bearing deposits $290,394
    Deposits held in domestic offices $382,844
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $19,245
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $2,043

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $224,114
    Loan and leases loss allowance $3,717
    Total loans and leases (domestic) $227,831
    All real estate loans $181,030
    Real estate loans in domestic offices $181,030
    Construction and development loans $31,807
    Residential 1-4 family construction $14,752
    Other construction, all land development and other land $17,055
    Loans secured by nonfarm nonresidential properties $115,968
    Nonfarm nonresidential secured by owner-occupied properties $45,142
    Commercial real estate & other non-farm, non-residential $70,826
    Multifamily residential real estate $181
    1-4 family residential loans $33,074
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $318
    Commercial and industrial loans $24,924
    To non-U.S. addressees $0
    Loans to individuals $18,576
    Credit card loans $0
    Related Plans $1,328
    Consumer Auto Loans $10,361
    Other loans to individuals $6,887
    All other loans & leases $2,983
    Loans to foreign governments and official institutions $0
    Other loans $736
    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 $41
    Non 1-4 family restructured loans & leases $25
    Total loans and leases (foreign) $0

    FNB Community Bank had $224,114,000 of loans outstanding in 2019. $181,030,000 of loans were in real estate loans. $31,807,000 of loans were in development loans. $181,000 of loans were in multifamily mortgage loans. $33,074,000 of loans were in 1-4 family mortgage loans. $318,000 of loans were in farm loans. $0 of loans were in credit card loans. $10,361,000 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 98 $36,045 $367,806
    Nonfarm, nonresidential loans - <$100k 8 $342 $42,750
    Nonfarm, nonresidential loans - $100-250k 24 $2,536 $105,667
    Nonfarm, nonresidential loans - $250k-1MM 66 $33,167 $502,530
    Commercial & Industrial, US addressed loans - <$1MM 196 $20,084 $102,469
    Commercial & Industrial, US addressed loans - <$100k 123 $3,261 $26,512
    Commercial & Industrial, US addressed loans - $100-250k 23 $2,800 $121,739
    Commercial & Industrial, US addressed loans - $250k-1MM 50 $14,023 $280,460
    Agriculture operations loans - <$1MM 1 $300 $300,000
    Agriculture operations loans - $250k-1MM 1 $300 $300,000