F&m Bank Mortgage Rates, Fees & Info
Clarksville, TNLEI: 549300YRN588YD6VNJ18
Tax ID: 62-0198065
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Mortgage Data
Bank Data
Review & Overview
F&m Bank is a smaller bank specializing in Home Purchase loans. F&m 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: Nashville, Clarksville, Knoxville, Tullahoma, and Crestview among others. We have data for 64 markets. (Some data included below & more in-depth data is available with an active subscription.)F&m 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. F&m 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 6.49% | 4/21/24 |
| 30 Year Conventional Refi | 6.54% | 4/21/24 |
| 30 Year Cash-out Refi | 6.62% | 4/21/24 |
| 30 Year FHA Purchase | 7.02% | 4/21/24 |
| 30 Year FHA Refi | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 5.96% | 4/21/24 |
| 30 Year VA Refi | 6.27% | 4/21/24 |
| 30 Year USDA Purchase | 6.52% | 4/21/24 |
| 15 Year Conventional Purchase | 6.06% | 4/21/24 |
| 15 Year Conventional Refi | 6.42% | 4/21/24 |
| 15 Year Cash-out Refi | 6.42% | 4/21/24 |
| 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. | ||
F&m Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,987Origination Dollar Volume (All Markets)
$786,605,000Employee count
296Awards
F&M Bank - 2019
F&M Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1,971 | $569,555,000 | $288,968 | $3,931 | 3.99% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 840 | $175,760,000 | $209,238 | $5,191 | 4.13% |
| Outside of Metro Areas | 39 | $6,565,000 | $168,333 | $3,266 | 4.17% |
| KNOXVILLE, TN (FHA|USDA|VA) | 11 | $2,605,000 | $236,818 | $3,416 | 4.02% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 10 | $2,060,000 | $206,000 | $5,203 | 3.63% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,905,000 | $635,000 | $6,708 | 4.12% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 10 | $1,900,000 | $190,000 | $2,898 | 4.51% |
| Shelbyville, TN (FHA|USDA|VA) | 8 | $1,820,000 | $227,500 | $5,910 | 3.91% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $4,112 | 3.85% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $5,386 | 3.75% |
| Lewisburg, TN (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $4,409 | 4.10% |
| Cookeville, TN (FHA|USDA|VA) | 7 | $1,085,000 | $155,000 | $3,279 | 4.78% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $3,541 | 4.19% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $2,882 | 4.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,754 | 3.75% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,215 | 4.13% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,069 | 3.19% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $2,923 | 3.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,614 | 3.69% |
| Dayton, TN (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,724 | 3.50% |
| Paris, TN (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $3,287 | 4.16% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $2,986 | 4.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,004 | 3.81% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $10,233 | 4.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,079 | 3.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,759 | 3.63% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,075 | 3.44% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,206 | 3.50% |
| Murray, KY (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,322 | 3.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,993 | 4.19% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,249 | 3.63% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,317 | 4.13% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,298 | 4.88% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,138 | 3.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,831 | 3.88% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,100 | 3.63% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,425 | 4.13% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,220 | 3.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,854 | 3.13% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,041 | 3.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,197 | 3.63% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,426 | 4.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,284 | 3.88% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,818 | 3.88% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,105 | 3.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,654 | 4.63% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,710 | 4.13% |
| Brownsville, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,306 | 4.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,336 | 4.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,215 | 3.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,371 | 3.13% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,892 | 3.63% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,420 | 4.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,973 | 4.13% |
| Newport, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,994 | 3.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,636 | 4.75% |
| Union City, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,149 | 3.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,215 | 3.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,454 | 3.75% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,877 | 3.38% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.13% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,806 | 3.50% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against F&M Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2019, F&m Bank's most frequently originated type of loan was Conventional, with 2,009 originations. Their 2nd most popular type was VA, with 537 originations.
Loan Reason
For 2019, F&m Bank's most frequently cited loan purpose was Home Purchase, with 2,425 originations. The 2nd most popular reason was Refi, with 285 originations.
Loan Duration/Length
For 2019, F&m Bank's most frequently cited loan duration was 30 Year, with 2,578 originations. The 2nd most popular length was 15 Year, with 147 originations.
Origination Fees/Closing Costs
F&m Bank's average total fees were $4,428, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,233 originations.
Interest Rates
During 2019, F&m Bank's average interest rate for loans was 3.93%, while their most frequently originated rate bucket for loans was 3-4%, with 1,850 originations.
Loan Sizing
2019 saw F&m Bank place emphasis on $200k-400k loans with 1,573 originations, totaling $438,485,000 in origination value.
Applicant Income
F&m Bank lent most frequently to those with incomes in the $50k-75k range, with 795 originations. The second most popular income band? $100k-150k, with 597 originations.
Applicant Debt to Income Ratio
F&m Bank lent most frequently to those with DTI ratios of 20-30%, with 593 originations. The next most common DTI ratio? 30-36%, with 510 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.40%
F&m 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 origination82.83%
F&m Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,987 | $786,605,000 | $263,343 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| F&M Bank | 100 Profit Drive Clarksville, TN 37042 | Full Service B&M | $1,766 |
| F&M Bank | 1891 Madison Street Clarksville, TN 37043 | Full Service B&M | $95,683 |
| F&M Bank | 2011 Highway 47 N White Bluff, TN 37187 | Full Service B&M | $35,084 |
| F&M Bank | 215 Uffelman Drive Clarksville, TN 37043 | Limited, Mobile/Seasonal Office | $0 |
| F&M Bank | 221 Indian Lake Boulevard Hendersonville, TN 37075 | Full Service B&M | $18,188 |
| F&M Bank | 225 West Main Street Lebanon, TN 37087 | Full Service B&M | $28,084 |
| F&M Bank | 2286 Highway 41, South Greenbrier, TN 37073 | Full Service B&M | $46,513 |
| F&M Bank | 251 Dover Road Clarksville, TN 37042 | Full Service B&M | $37,240 |
| F&M Bank | 2601 Wilma Rudolph Blvd Clarksville, TN 37040 | Full Service B&M | $44,290 |
| F&M Bank | 2698 Madison Street, Highway 41-A Clarksville, TN 37043 | Full Service B&M | $46,904 |
| F&M Bank | 3029 Highway 120 Bumpus Mills, TN 37028 | Full Service B&M | $8,038 |
| F&M Bank | 320 Main Street, Suite 100 Franklin, TN 37064 | Full Service B&M | $9,550 |
| F&M Bank | 3519 Tom Austin Highway Springfield, TN 37172 | Full Service B&M | $86,305 |
| F&M Bank | 4151 North Mt. Juliet Road Mount Juliet, TN 37122 | Full Service B&M | $18,318 |
| F&M Bank | 50 Franklin Street Clarksville, TN 37040 | Full Service B&M | $264,997 |
| F&M Bank | 518 Highway 76 White House, TN 37188 | Full Service B&M | $25,064 |
| F&M Bank | 802 Memorial Blvd Murfreesboro, TN 37129 | Full Service B&M | $29,240 |
| F&M Bank | 90 College Street Clarksville, TN 37040 | Limited, Drive-thru | $0 |
| F&M Bank | 900 N. Washington Avenue Cookeville, TN 38501 | Full Service B&M | $58,671 |
| F&M Bank | One Donelson Parkway Dover, TN 37058 | Full Service B&M | $91,071 |
For 2019, F&m Bank had 20 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $49,211 |
| Net interest income | $34,689 |
| Total noninterest income | $24,858 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,181 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $23,677 |
| Pre-tax net operating income | $8,939 |
| Securities gains (or losses, -) | $162 |
| Income before extraordinary items | $7,044 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $7,044 |
| Minority interest net income | $0 |
| Net income | $7,044 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $6,916 |
F&m Bank's gross interest income from loans was $49,211,000.
F&m Bank's net interest income from loans was $34,689,000.
F&m Bank's fee based income from loans was $1,181,000.
F&m Bank's net income from loans was $7,044,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $14,522 |
| Provision for credit losses | $772 |
| Total noninterest expense | $49,836 |
| Salaries and employee benefits | $29,863 |
| Premises and equipment expense | $6,088 |
| Additional noninterest expense | $13,885 |
| Applicable income taxes | $2,057 |
| Net charge-offs | $956 |
| Cash dividends | $5,960 |
F&m Bank's interest expense for loans was $14,522,000.
F&m Bank's payroll and benefits expense were $29,863,000.
F&m Bank's property, plant and equipment expenses $6,088,000.
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 | $961,576 |
| Deposits held in domestic offices | $961,576 |
| Deposits by Individuals, partnerships, and corporations | $949,093 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $12,484 |
| 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 | $107,714 |
| Demand deposits | $37,876 |
| Nontransaction accounts | $853,863 |
| Money market deposit accounts (MMDAs) | $387,174 |
| Other savings deposits (excluding MMDAs) | $48,666 |
| Total time deposits | $418,021 |
| Total time and savings deposits | $923,701 |
| Noninterest-bearing deposits | $156,267 |
| Interest-bearing deposits | $805,309 |
| Retail deposits | $841,659 |
| IRAs and Keogh plan accounts | $33,033 |
| Brokered deposits | $42,143 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,171,241 |
| Cash & Balances due from depository institutions | $111,860 |
| Interest-bearing balances | $104,572 |
| Total securities | $108,621 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $845,567 |
| Loan and leases loss allowance | $3,136 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $46,939 |
| Other real estate owned | $296 |
| Goodwill and other intangibles | $29,487 |
| All other assets | $28,471 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,171,241 |
| Total Liabilities | $1,039,408 |
| Total deposits | $961,576 |
| Interest-bearing deposits | $805,309 |
| Deposits held in domestic offices | $961,576 |
| % insured (estimated) | $82 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $60,308 |
| Subordinated debt | $0 |
| All other liabilities | $17,524 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $845,567 |
| Loan and leases loss allowance | $3,136 |
| Total loans and leases (domestic) | $848,703 |
| All real estate loans | $769,335 |
| Real estate loans in domestic offices | $769,335 |
| Construction and development loans | $145,197 |
| Residential 1-4 family construction | $78,163 |
| Other construction, all land development and other land | $67,034 |
| Loans secured by nonfarm nonresidential properties | $200,380 |
| Nonfarm nonresidential secured by owner-occupied properties | $99,286 |
| Commercial real estate & other non-farm, non-residential | $101,094 |
| Multifamily residential real estate | $16,836 |
| 1-4 family residential loans | $370,188 |
| Farmland loans | $36,734 |
| Loans held in foreign offices | $0 |
| Farm loans | $7,953 |
| Commercial and industrial loans | $51,137 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $17,918 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $2,109 |
| Other loans to individuals | $15,809 |
| All other loans & leases | $2,361 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,610 |
| 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 | $118 |
| Non 1-4 family restructured loans & leases | $78 |
| Total loans and leases (foreign) | $0 |
F&M Bank had $845,567,000 of loans outstanding in 2019. $769,335,000 of loans were in real estate loans. $145,197,000 of loans were in development loans. $16,836,000 of loans were in multifamily mortgage loans. $370,188,000 of loans were in 1-4 family mortgage loans. $7,953,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,109,000 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 | 382 | $84,961 | $222,411 |
| Nonfarm, nonresidential loans - <$100k | 51 | $2,070 | $40,588 |
| Nonfarm, nonresidential loans - $100-250k | 135 | $14,263 | $105,652 |
| Nonfarm, nonresidential loans - $250k-1MM | 196 | $68,628 | $350,143 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,035 | $47,731 | $46,117 |
| Commercial & Industrial, US addressed loans - <$100k | 797 | $13,419 | $16,837 |
| Commercial & Industrial, US addressed loans - $100-250k | 169 | $17,127 | $101,343 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 69 | $17,185 | $249,058 |
| Farmland loans - <$1MM | 95 | $9,837 | $103,547 |
| Farmland loans - <$100k | 33 | $1,015 | $30,758 |
| Farmland loans - $100-250k | 42 | $4,406 | $104,905 |
| Farmland loans - $250k-1MM | 20 | $4,416 | $220,800 |
| Agriculture operations loans - <$1MM | 162 | $3,777 | $23,315 |
| Agriculture operations loans - <$100k | 146 | $2,161 | $14,801 |
| Agriculture operations loans - $100-250k | 12 | $1,149 | $95,750 |
| Agriculture operations loans - $250k-1MM | 4 | $467 | $116,750 |