Oriental Bank Mortgage Rates, Fees & Info

San Juan,

LEI: 549300ZLPU75MU7O0T38

Tax ID: 66-0259436

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

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  • SimulatedRates™
  • Mortgage Calculator

    • 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

    Oriental Bank is a smaller bank specializing in Home Purchase loans. They have a a high proportion of FHA loans. Oriental Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Juan, Aguadilla, Ponce, MayagÜez, and San GermÁn among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Oriental 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. Oriental Bank is typically an average 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 6.77% 11/21/24
    30 Year Conventional Refi 6.41% 11/21/24
    30 Year Cash-out Refi 6.62% 11/21/24
    30 Year FHA Purchase 6.55% 11/21/24
    30 Year FHA Refi 6.34% 11/21/24
    30 Year VA Purchase 5.71% 11/21/24
    30 Year VA Refi 5.67% 11/21/24
    30 Year USDA Purchase 6.05% 11/21/24
    30 Year USDA Refi 6.05% 11/21/24
    15 Year Conventional Purchase 5.96% 11/21/24
    15 Year Conventional Refi 5.59% 11/21/24
    15 Year Cash-out Refi 5.59% 11/21/24
    15 Year FHA Purchase 6.60% 11/21/24
    15 Year FHA Refi 6.47% 11/21/24
    15 Year VA Purchase 6.19% 11/21/24
    15 Year VA Refi 5.68% 11/21/24
    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.

    Oriental Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Oriental 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

    892

    Origination Dollar Volume (All Markets)

    $122,580,000

    Employee count

    1,351 Show all (10) 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
    SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) 682 $100,360,000 $147,155 $5,938 4.41%
    AGUADILLA-ISABELA, PR (FHA|USDA|VA) 45 $5,825,000 $129,444 $5,751 4.20%
    PONCE, PR (FHA|USDA|VA) 41 $4,055,000 $98,902 $4,906 4.41%
    MAYAGÜEZ, PR (FHA|USDA|VA) 20 $2,480,000 $124,000 $5,968 4.50%
    SAN GERMÁN, PR (FHA|USDA|VA) 19 $2,295,000 $120,789 $4,957 4.11%
    YAUCO, PR (FHA|USDA|VA) 21 $1,825,000 $86,905 $4,270 4.11%
    Arecibo, PR (FHA|USDA|VA) 18 $1,820,000 $101,111 $5,253 4.14%
    GUAYAMA, PR (FHA|USDA|VA) 23 $1,675,000 $72,826 $3,878 4.16%
    Coamo, PR (FHA|USDA|VA) 9 $975,000 $108,333 $4,594 4.32%
    Santa Isabel, PR (FHA|USDA|VA) 8 $840,000 $105,000 $4,254 4.66%
    Coco, PR (FHA|USDA|VA) 6 $430,000 $71,667 $3,718 4.56%
    Oriental Bank's top markets include San Juan, Aguadilla, Ponce, MayagÜez, and San GermÁn among others.

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

    • Similar Lenders

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

    COOPERATIVA DE AHORRO Y CREDITO LAS PIEDRAS
    Similarity Rank: 12
    COOPERATIVA DE AHORRO Y CREDITO DE CAMUY
    Similarity Rank: 24
    Cooperativa A/C Oriental
    Similarity Rank: 48
    COOPERATIVA DE AHORRO Y CREDITO DE MANATI INC.
    Similarity Rank: 54
    Cooperativa de Ahorro y Credito de Rincon
    Similarity Rank: 66
    BANCO SANTANDER PUERTO RICO
    Similarity Rank: 90
    Cooperativa De Credito Y Ahorro San Jose
    Similarity Rank: 92
    Cooperativa A/C de Arecibo
    Similarity Rank: 108
    COOPERATIVA DE AHORRO Y CREDITO VEGA ALTA
    Similarity Rank: 111
    LATIN AMERICAN FINANCIAL CORPORATION
    Similarity Rank: 184

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 347 $41,935,000 $120,850 $6,503 4.08%
    Conventional 298 $49,310,000 $165,470 $4,684 5.00%
    USDA 179 $20,765,000 $116,006 $5,436 4.01%
    VA 68 $10,570,000 $155,441 $6,045 4.11%

    For 2018, Oriental Bank's most frequently originated type of loan was FHA, with 347 originations. Their 2nd most popular type was Conventional, with 298 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 738 $98,730,000 $133,780 $5,774 4.35%
    Cash Out Refi 66 $9,980,000 $151,212 $5,256 4.42%
    Refi 45 $6,115,000 $135,889 $5,826 4.49%
    Other 28 $6,470,000 $231,071 $5,577 4.61%
    Home Improvement 15 $1,285,000 $85,667 $3,426 4.76%

    For 2018, Oriental Bank's most frequently cited loan purpose was Home Purchase, with 738 originations. The 2nd most popular reason was Cash Out Refi, with 66 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 723 $97,585,000 $134,972 $5,804 4.36%
    15 Year 105 $16,655,000 $158,619 $5,232 4.28%
    20 Year 28 $3,860,000 $137,857 $5,118 4.59%
    10 Year 17 $1,375,000 $80,882 $4,179 4.37%
    Other 13 $1,605,000 $123,462 $6,499 5.45%
    30+ year 6 $1,500,000 $250,000 $0 5.66%

    For 2018, Oriental Bank's most frequently cited loan duration was 30 Year, with 723 originations. The 2nd most popular length was 15 Year, with 105 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 238 $21,750,000 $91,387
    $<1k 227 $38,875,000 $171,256
    $2k-3k 200 $24,430,000 $122,150
    $3k-4k 79 $11,925,000 $150,949
    $4k-5k 49 $8,235,000 $168,061
    $5k+ 44 $10,320,000 $234,545

    Oriental Bank's average total fees were $5,804, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 238 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 475 $57,475,000 $121,000
    4-5% 292 $34,600,000 $118,493
    5-6% 66 $20,260,000 $306,970
    6-7% 46 $8,270,000 $179,783
    2.5-3% 3 $515,000 $171,667
    7-8% 3 $325,000 $108,333
    Over 8% 3 $325,000 $108,333

    During 2018, Oriental Bank's average interest rate for loans was 4.36%, while their most frequently originated rate bucket for loans was 3-4%, with 475 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 440 $60,040,000 $136,455 $6,249 4.28%
    $100,000 or less 361 $26,825,000 $74,307 $4,096 4.39%
    $200k-400k 74 $19,400,000 $262,162 $9,128 4.61%
    $400k-600k 8 $3,790,000 $473,750 $5,710 5.51%
    $600k-1MM 5 $3,855,000 $771,000 $6,811 6.05%
    $1MM+ 4 $8,670,000 $2,167,500 $20,825 5.94%

    2018 saw Oriental Bank place emphasis on $100k-200k loans with 440 originations, totaling $60,040,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 507 $49,525,000 $97,682 $5,077 4.21%
    $50k-75k 208 $29,050,000 $139,663 $6,247 4.31%
    $75k-100k 65 $10,435,000 $160,538 $6,732 4.56%
    $100k-150k 61 $11,015,000 $180,574 $6,723 4.97%
    $150k-250k 26 $6,410,000 $246,538 $7,730 5.10%
    $250k+ 19 $11,515,000 $606,053 $7,941 5.34%

    Oriental Bank lent most frequently to those with incomes in the $50k or less range, with 507 originations. The second most popular income band? $50k-75k, with 208 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 160 $20,120,000 $125,750 $5,247 4.29%
    20-30% 145 $19,165,000 $132,172 $5,821 4.19%
    50-60% 98 $13,390,000 $136,633 $6,148 4.30%
    41% 44 $6,470,000 $147,045 $7,019 4.34%
    37% 43 $6,325,000 $147,093 $5,659 4.50%
    38% 39 $4,825,000 $123,718 $5,918 4.31%
    43% 39 $5,085,000 $130,385 $6,093 4.41%
    <20% 39 $4,215,000 $108,077 $4,947 4.17%
    42% 36 $4,670,000 $129,722 $5,284 4.54%
    39% 35 $6,245,000 $178,429 $5,570 4.32%
    40% 30 $3,810,000 $127,000 $6,038 4.20%
    45% 30 $3,460,000 $115,333 $4,648 4.75%
    49% 27 $3,695,000 $136,852 $5,871 4.50%
    46% 25 $3,315,000 $132,600 $5,900 4.47%
    47% 21 $2,345,000 $111,667 $5,302 4.64%
    44% 21 $2,335,000 $111,190 $5,337 4.46%
    36% 21 $3,125,000 $148,810 $5,430 4.55%
    48% 20 $2,300,000 $115,000 $5,500 4.63%
    >60% 10 $2,740,000 $274,000 $5,466 4.44%

    Oriental Bank lent most frequently to those with DTI ratios of 30-36%, with 160 originations. The next most common DTI ratio? 20-30%, with 145 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 829 $110,645,000 $133,468 $5,698 4.35%
    Black 39 $4,395,000 $112,692 $5,065 4.36%
    Not applicable 4 $4,050,000 $1,012,500 $28,105 6.53%
    Not provided 17 $3,085,000 $181,471 $7,005 4.90%
    Asian Indian 2 $270,000 $135,000 $0 6.50%
    Asian 1 $135,000 $135,000 $7,070 4.13%

    Approval Rates

    Total approvals of all applications
    74.20%

    Oriental Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    67.60%

    Oriental 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 892 $122,580,000 $137,422

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $340,000 $170,000
    Single Family (1-4 Units):Site-Built 890 $122,240,000 $137,348

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 12 $1,230,000 $102,500 $4,104 4.63%
    40-60% 43 $3,415,000 $79,419 $3,793 4.61%
    60-80% 169 $27,865,000 $164,882 $5,096 4.79%
    80-100% 628 $83,960,000 $133,694 $5,949 4.24%
    Over 100% 29 $4,275,000 $147,414 $6,699 4.16%
    Under 20% 2 $150,000 $75,000 $2,284 5.50%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Oriental Bank #1 Road, Plaza Del Caribe Mall Ponce, PR 731 Full Service B&M $78,068
    Oriental Bank #2 Road Ponce, PR 731 Full Service B&M $124,383
    Oriental Bank #2 Road, Plaza Del Norte Hatillo, PR 659 Full Service B&M $115,689
    Oriental Bank #3 Progreso Street Catano, PR 963 Full Service B&M $40,334
    Oriental Bank #50, Jose Quinton Street Coamo, PR 769 Full Service B&M $38,195
    Oriental Bank #55 Eugenio Sanchez Lopez Street San Lorenzo, PR 754 Full Service B&M $44,112
    Oriental Bank #601 Dr. Loyola Street Penuelas, PR 624 Full Service B&M $34,226
    Oriental Bank 1408 Magdalena Avenue Condado, PR 907 Full Service B&M $151,961
    Oriental Bank 1605 Ponce De Leon Ave. Santurce, PR 909 Full Service B&M $38,010
    Oriental Bank 254 East, San Jose Ave. Aibonito, PR 705 Full Service B&M $40,692
    Oriental Bank 254 Munoz Rivera San Juan, PR 918 Full Service B&M $222,061
    Oriental Bank 254 Munoz Rivera Avenue San Juan, PR 918 Full Service B&M $1,711,312
    Oriental Bank 400 Ave Ponce De Leon San Juan, PR 918 Full Service B&M $58,412
    Oriental Bank 65 De Infanterma Ave. Plaza Escorial Mall Carolina, PR 987 Full Service B&M $104,119
    Oriental Bank 727 West Main Ave. Suite Pp3 Bayamon, PR 961 Full Service B&M $119,984
    Oriental Bank Alejandrino Plaza, Road 838 Guaynabo, PR 969 Full Service B&M $261,292
    Oriental Bank Ave. Mendez Vigo 173 West Mayaguez, PR 680 Full Service B&M $57,361
    Oriental Bank Bairoa Shopping Center, Unit 12 A Caguas, PR 725 Full Service B&M $75,927
    Oriental Bank Calle Cristobal Colon #21 Yabucoa, PR 767 Full Service B&M $34,527
    Oriental Bank Calle Jesus T. Piqero #46 Las Piedras, PR 771 Full Service B&M $55,964
    Oriental Bank Gonzalez Giusti Ave. Guaynabo, PR 968 Full Service B&M $218,768
    Oriental Bank Juana Diaz Shopping Center Juana Diaz, PR 795 Full Service B&M $46,425
    Oriental Bank La Rambla Shopping Mall Ponce, PR 731 Full Service B&M $107,609
    Oriental Bank Las Catalinas Mall Pr52 Int. Pr-156 Caguas, PR 725 Full Service B&M $95,107
    Oriental Bank Las Vistas Shopping Village Rio Piedras, PR 926 Full Service B&M $182,722
    Oriental Bank Los Colobos Shopping Center, Road 3 Carolina, PR 985 Full Service B&M $69,011
    Oriental Bank Manati Plaza Centro, State Road Pr #2 And 149 Manati, PR 674 Full Service B&M $53,284
    Oriental Bank Munoz Marin Ave. Plaza Centro Ii Caguas, PR 726 Full Service B&M $39,914
    Oriental Bank Plaza Guayama Shopping Mall Guayama, PR 784 Full Service B&M $67,388
    Oriental Bank Plaza Las Americas Mall San Juan, PR 918 Full Service B&M $125,403
    Oriental Bank Plaza Mall State Road Pr No. 52, & Pr . No. 3, Km 82.0 Humacao, PR 791 Full Service B&M $114,801
    Oriental Bank Road #174 , Km. 1.9 Bayamon, PR 956 Full Service B&M $30,366
    Oriental Bank Road #2 Mayaguez, PR 680 Full Service B&M $113,263
    Oriental Bank Road 1 Km. 56.2, Pirez Hermanos Plaza Cayey, PR 736 Full Service B&M $36,649
    Oriental Bank Road 167, Km 0.3 Bayamon, PR 956 Full Service B&M $59,089
    Oriental Bank State Road #2 K. 129 H.3 Aguadilla, PR 603 Full Service B&M $54,171
    Oriental Bank State Road #3 K20 H3 Rio Grande, PR 745 Full Service B&M $33,960
    Oriental Bank Yauco Plaza Shopping Mall Yauco, PR 698 Full Service B&M $36,750

    For 2018, Oriental Bank had 38 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $361,697
    Net interest income $319,934
    Total noninterest income $56,121
    Gross Fiduciary activities income $11,004
    Service charges on deposit accounts $12,911
    Trading account gains and fees $0
    Additional Noninterest Income $32,206
    Pre-tax net operating income $134,006
    Securities gains (or losses, -) $0
    Income before extraordinary items $87,129
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $87,129
    Minority interest net income $0
    Net income $87,129
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $87,129

    Oriental Bank's gross interest income from loans was $361,697,000.
    Oriental Bank's net interest income from loans was $319,934,000.
    Oriental Bank's fee based income from loans was $12,911,000.
    Oriental Bank's net income from loans was $87,129,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $41,763
    Provision for credit losses $56,108
    Total noninterest expense $185,941
    Salaries and employee benefits $65,686
    Premises and equipment expense $23,119
    Additional noninterest expense $97,136
    Applicable income taxes $46,877
    Net charge-offs $51,086
    Cash dividends $37,700

    Oriental Bank's interest expense for loans was $41,763,000.
    Oriental Bank's payroll and benefits expense were $65,686,000.
    Oriental Bank's property, plant and equipment expenses $23,119,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 5.0%
    Real Estate loans 10.0%
    Construction & Land Development loans 2.0%
    Nonfarm, nonresidential loans 6.0%
    Multifamily residential loans 1.0%
    1-4 family residential loans 11.0%
    HELOC loans 38.0%
    All other family 11.0%
    Commercial & industrial loans 1.0%
    Personal loans 1.0%
    Credit card loans 1.6%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $4,916,796
    Deposits held in domestic offices $4,916,796
    Deposits by Individuals, partnerships, and corporations $4,663,900
    Deposits by U.S. Government $225
    Deposits by States and political subdivisions in the U.S. $207,384
    Deposits by Commercial banks and other depository institutions in U.S. $45,287
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,195,823
    Demand deposits $1,109,376
    Nontransaction accounts $2,720,973
    Money market deposit accounts (MMDAs) $24,983
    Other savings deposits (excluding MMDAs) $1,194,987
    Total time deposits $1,501,003
    Total time and savings deposits $3,807,420
    Noninterest-bearing deposits $1,109,376
    Interest-bearing deposits $3,807,420
    Retail deposits $4,048,198
    IRAs and Keogh plan accounts $201,953
    Brokered deposits $522,590
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,529,697
    Cash & Balances due from depository institutions $386,090
    Interest-bearing balances $318,056
    Total securities $1,267,647
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,431,594
    Loan and leases loss allowance $164,231
    Trading account assets $333
    Bank premises and fixed assets $65,436
    Other real estate owned $33,768
    Goodwill and other intangibles $98,147
    All other assets $246,682

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,529,697
    Total Liabilities $5,545,979
    Total deposits $4,916,796
    Interest-bearing deposits $3,807,420
    Deposits held in domestic offices $4,916,796
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $454,723
    Trading liabilities $333
    Other borrowed funds $98,379
    Subordinated debt $0
    All other liabilities $75,748

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,431,594
    Loan and leases loss allowance $164,231
    Total loans and leases (domestic) $4,595,825
    All real estate loans $2,222,627
    Real estate loans in domestic offices $2,222,627
    Construction and development loans $29,638
    Residential 1-4 family construction $201
    Other construction, all land development and other land $29,437
    Loans secured by nonfarm nonresidential properties $876,538
    Nonfarm nonresidential secured by owner-occupied properties $456,667
    Commercial real estate & other non-farm, non-residential $419,871
    Multifamily residential real estate $31,792
    1-4 family residential loans $1,247,013
    Farmland loans $37,646
    Loans held in foreign offices $0
    Farm loans $6,592
    Commercial and industrial loans $672,322
    To non-U.S. addressees $0
    Loans to individuals $1,531,206
    Credit card loans $49,805
    Related Plans $5,239
    Consumer Auto Loans $1,157,765
    Other loans to individuals $318,397
    All other loans & leases $163,078
    Loans to foreign governments and official institutions $0
    Other loans $27,067
    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 $100,427
    Non 1-4 family restructured loans & leases $32,982
    Total loans and leases (foreign) $0

    Oriental Bank had $4,431,594,000 of loans outstanding in 2018. $2,222,627,000 of loans were in real estate loans. $29,638,000 of loans were in development loans. $31,792,000 of loans were in multifamily mortgage loans. $1,247,013,000 of loans were in 1-4 family mortgage loans. $6,592,000 of loans were in farm loans. $49,805,000 of loans were in credit card loans. $1,157,765,000 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 1,197 $223,785 $186,955
    Nonfarm, nonresidential loans - <$100k 269 $18,079 $67,208
    Nonfarm, nonresidential loans - $100-250k 524 $61,267 $116,922
    Nonfarm, nonresidential loans - $250k-1MM 404 $144,439 $357,522
    Commercial & Industrial, US addressed loans - <$1MM 4,296 $150,236 $34,971
    Commercial & Industrial, US addressed loans - <$100k 2,585 $54,649 $21,141
    Commercial & Industrial, US addressed loans - $100-250k 312 $24,586 $78,801
    Commercial & Industrial, US addressed loans - $250k-1MM 1,399 $71,001 $50,751
    Farmland loans - <$1MM 15 $1,655 $110,333
    Farmland loans - <$100k 3 $104 $34,667
    Farmland loans - $100-250k 9 $687 $76,333
    Farmland loans - $250k-1MM 3 $864 $288,000
    Agriculture operations loans - <$1MM 14 $777 $55,500
    Agriculture operations loans - <$100k 7 $148 $21,143
    Agriculture operations loans - $100-250k 5 $321 $64,200
    Agriculture operations loans - $250k-1MM 2 $308 $154,000