Emprise Bank Mortgage Rates, Fees & Info

Wichita, KS

LEI: D32W5EBLENJC27207O81

Tax ID: 48-0807333

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
  • Complaints
  • 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

    Emprise Bank is a smaller bank specializing in Other and Home Purchase loans. Emprise Bank has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Hays, Lawrence, Kansas City, and Mcpherson among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Emprise 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. Emprise 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/17/24
    30 Year Conventional Purchase 6.35% 11/17/24
    30 Year Conventional Refi 6.42% 11/17/24
    30 Year Cash-out Refi 6.35% 11/17/24
    15 Year Conventional Purchase 5.89% 11/17/24
    15 Year Conventional Refi 5.83% 11/17/24
    15 Year Cash-out Refi 5.83% 11/17/24
    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.

    Emprise Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Emprise 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

    961

    Origination Dollar Volume (All Markets)

    $92,695,000

    Employee count

    406

    Awards

    Emprise Bank 30 Year Conventional Loans silver Emprise Bank 30 Year Conventional Loans silver Emprise Bank 30 Year Conventional Loans bronze
    Show all (3) 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
    WICHITA, KS (FHA|USDA|VA) 713 $73,325,000 $102,840 $2,329 5.00%
    Outside of Metro Areas 140 $7,240,000 $51,714 $1,869 4.89%
    Hays, KS (FHA|USDA|VA) 37 $3,265,000 $88,243 $1,981 4.95%
    LAWRENCE, KS (FHA|USDA|VA) 30 $3,100,000 $103,333 $1,775 5.06%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 10 $2,240,000 $224,000 $0 5.32%
    McPherson, KS (FHA|USDA|VA) 15 $2,145,000 $143,000 $3,146 4.55%
    Hutchinson, KS (FHA|USDA|VA) 6 $620,000 $103,333 $0 5.33%
    MANHATTAN, KS (FHA|USDA|VA) 2 $340,000 $170,000 $2,402 4.06%
    Winfield, KS (FHA|USDA|VA) 5 $265,000 $53,000 $0 5.99%
    Emporia, KS (FHA|USDA|VA) 1 $115,000 $115,000 $1,937 4.75%
    Great Bend, KS (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.75%
    Ottawa, KS (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.75%
    Emprise Bank's top markets include Wichita, Hays, Lawrence, Kansas City, and Mcpherson among others.

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

    • Similar Lenders

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

    The Halstead Bank
    Similarity Rank: 64
    MID AMERICAN
    Similarity Rank: 128
    WHITE EAGLE Credit Union
    Similarity Rank: 130
    SKYWARD
    Similarity Rank: 132
    Members Mortgage Services, L.L.C.
    Similarity Rank: 165
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 261
    GOLDEN PLAINS
    Similarity Rank: 324
    MERITRUST Federal Credit Union
    Similarity Rank: 330
    Emprise Bank
    Similarity Rank: 420
    Wichita Federal Credit Union
    Similarity Rank: 567

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 528 $20,490,000 $38,807 n/a 5.03%
    Conventional 433 $72,205,000 $166,755 $2,266 4.93%

    For 2018, Emprise Bank's most frequently originated type of loan was HELOC, with 528 originations. Their 2nd most popular type was Conventional, with 433 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 530 $20,550,000 $38,774 $276 5.04%
    Home Purchase 262 $50,050,000 $191,031 $3,009 4.99%
    Refi 93 $13,365,000 $143,710 $1,068 5.27%
    Cash Out Refi 70 $8,550,000 $122,143 $1,712 4.17%
    Home Improvement 6 $180,000 $30,000 $299 5.98%

    For 2018, Emprise Bank's most frequently cited loan purpose was Other, with 530 originations. The 2nd most popular reason was Home Purchase, with 262 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 359 $16,965,000 $47,256 $1,256 5.45%
    15 Year 262 $14,480,000 $55,267 $1,785 4.21%
    5 Year 138 $27,190,000 $197,029 $210 5.53%
    30 Year 104 $15,980,000 $153,654 $2,162 4.60%
    Other 28 $3,390,000 $121,071 $1,706 5.27%
    20 Year 24 $3,230,000 $134,583 $1,891 4.36%
    1 Year 24 $3,330,000 $138,750 $874 5.62%
    30+ year 18 $7,390,000 $410,556 $7,467 4.58%
    3 Year 4 $740,000 $185,000 $0 5.64%

    For 2018, Emprise Bank's most frequently cited loan duration was 10 Year, with 359 originations. The 2nd most popular length was 15 Year, with 262 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 220 $28,420,000 $129,182
    $4k-5k 6 $2,270,000 $378,333
    $5k+ 6 $3,740,000 $623,333
    $2k-3k 4 $740,000 $185,000
    $3k-4k 4 $1,080,000 $270,000

    Emprise Bank's average total fees were $2,162, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 220 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 490 $38,660,000 $78,898
    4-5% 224 $36,340,000 $162,232
    2.5-3% 124 $5,890,000 $47,500
    3-4% 57 $8,245,000 $144,649
    6-7% 49 $2,855,000 $58,265
    7-8% 16 $650,000 $40,625
    Over 8% 1 $55,000 $55,000

    During 2018, Emprise Bank's average interest rate for loans was 4.60%, while their most frequently originated rate bucket for loans was 5-6%, with 490 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 675 $25,455,000 $37,711 $1,436 5.04%
    $100k-200k 199 $29,005,000 $145,754 $2,122 4.88%
    $200k-400k 58 $15,340,000 $264,483 $3,294 4.83%
    $400k-600k 18 $8,220,000 $456,667 $5,246 4.79%
    $600k-1MM 6 $4,490,000 $748,333 $9,388 4.78%
    $1MM+ 5 $10,185,000 $2,037,000 $0 5.06%

    2018 saw Emprise Bank place emphasis on $100,000 or less loans with 675 originations, totaling $25,455,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 211 $8,495,000 $40,261 $1,584 4.95%
    $50k-75k 182 $10,850,000 $59,615 $1,951 4.85%
    $75k-100k 134 $7,990,000 $59,627 $2,094 4.90%
    $100k-150k 131 $11,855,000 $90,496 $2,363 4.76%
    $150k-250k 66 $9,630,000 $145,909 $3,367 4.92%
    $250k+ 29 $10,955,000 $377,759 $5,400 4.81%

    Emprise Bank lent most frequently to those with incomes in the $50k or less range, with 211 originations. The second most popular income band? $50k-75k, with 182 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 252 $18,060,000 $71,667 $2,370 4.85%
    30-36% 175 $13,235,000 $75,629 $1,921 4.90%
    <20% 154 $10,370,000 $67,338 $2,974 4.84%
    39% 44 $3,770,000 $85,682 $2,752 4.95%
    38% 30 $1,850,000 $61,667 $2,022 4.42%
    37% 29 $1,835,000 $63,276 $1,943 4.84%
    36% 29 $2,045,000 $70,517 $1,748 4.82%
    40% 20 $2,050,000 $102,500 $2,626 4.88%
    41% 16 $1,290,000 $80,625 $1,719 4.72%
    42% 7 $1,195,000 $170,714 $1,817 5.13%
    43% 5 $395,000 $79,000 $1,927 5.30%
    50-60% 5 $685,000 $137,000 $828 5.63%
    46% 2 $60,000 $30,000 $0 5.38%
    >60% 2 $210,000 $105,000 $509 4.75%
    44% 1 $15,000 $15,000 $0 6.25%
    47% 1 $95,000 $95,000 $0 5.00%

    Emprise Bank lent most frequently to those with DTI ratios of 20-30%, with 252 originations. The next most common DTI ratio? 30-36%, with 175 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 706 $57,210,000 $81,034 $2,354 4.87%
    Not applicable 137 $27,295,000 $199,234 $0 5.44%
    Not provided 70 $3,840,000 $54,857 $934 5.21%
    American Indian 12 $2,280,000 $190,000 $1,648 4.73%
    Asian 17 $1,295,000 $76,176 $1,710 5.01%
    Black 9 $325,000 $36,111 $2,136 5.61%
    Vietnamese 5 $285,000 $57,000 $2,292 5.05%
    Native Hawaiian or Islander 3 $105,000 $35,000 $0 5.70%
    Asian Indian 1 $45,000 $45,000 $0 5.99%
    Other Pacific Islander 1 $15,000 $15,000 $0 5.50%

    Approval Rates

    Total approvals of all applications
    79.48%

    Emprise Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    86.78%

    Emprise Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1117.5 1 $135,000 $135,000
    1144.5 1 $135,000 $135,000
    1175.5 1 $145,000 $145,000
    166.5 2 $100,000 $50,000
    942.6 1 $215,000 $215,000
    NA 955 $91,965,000 $96,298

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $125,000 $125,000
    Multifamily:Site-Built 24 $12,910,000 $537,917
    Single Family (1-4 Units):Manufactured 22 $700,000 $31,818
    Single Family (1-4 Units):Site-Built 914 $78,960,000 $86,389

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 210 $10,500,000 $50,000 $1,468 5.06%
    40-60% 103 $8,815,000 $85,583 $1,939 4.77%
    60-80% 224 $33,080,000 $147,679 $2,687 4.88%
    80-100% 145 $20,065,000 $138,379 $2,266 4.92%
    Over 100% 31 $14,805,000 $477,581 $0 5.48%
    Under 20% 248 $5,430,000 $21,895 $553 5.09%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    EMBRACE HOME LOANS Conventional home mortgage Trouble during payment process 1 14.3%
    EMBRACE HOME LOANS FHA mortgage Struggling to pay mortgage 1 14.3%
    EMBRACE HOME LOANS FHA mortgage Trouble during payment process 1 14.3%
    EMBRACE HOME LOANS Other type of mortgage Struggling to pay mortgage 1 14.3%
    EMBRACE HOME LOANS VA mortgage Trouble during payment process 3 42.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Emprise Bank 1 West Madison Street Iola, KS 66749 Full Service B&M $45,444
    Emprise Bank 100 North Meridian Ave Valley Center, KS 67147 Full Service B&M $22,003
    Emprise Bank 100 South Randall Potwin, KS 67123 Full Service B&M $18,025
    Emprise Bank 1011 East 27th Street Hays, KS 67601 Full Service B&M $70,457
    Emprise Bank 104 East Grand Hillsboro, KS 67063 Full Service B&M $42,073
    Emprise Bank 10620 W 21st St. N Wichita, KS 67205 Full Service B&M $54,898
    Emprise Bank 11111 East Harry Wichita, KS 67207 Full Service B&M $24,017
    Emprise Bank 1121 Wakarusa Drive Lawrence, KS 66049 Full Service B&M $23,204
    Emprise Bank 1402 North Rose Hill Road Rose Hill, KS 67133 Full Service B&M $14,304
    Emprise Bank 1610 East 61st Street North Park City, KS 67219 Full Service B&M $15,187
    Emprise Bank 17 South Lincoln Chanute, KS 66720 Full Service B&M $21,112
    Emprise Bank 1700 Ohio Street Augusta, KS 67010 Full Service B&M $35,488
    Emprise Bank 1719 East Patriot Derby, KS 67037 Full Service B&M $8,985
    Emprise Bank 1840 North Rock Road Mulvane, KS 67110 Full Service B&M $10,381
    Emprise Bank 20 South Mission Council Grove, KS 66846 Full Service B&M $19,790
    Emprise Bank 200 North Main El Dorado, KS 67042 Full Service B&M $47,083
    Emprise Bank 2001 North Broadway Wichita, KS 67214 Full Service B&M $33,776
    Emprise Bank 201 East Kansas Avenue Mcpherson, KS 67460 Full Service B&M $17,336
    Emprise Bank 201 East Ross Avenue Clearwater, KS 67026 Full Service B&M $35,432
    Emprise Bank 201 South Ninth Street Humboldt, KS 66748 Full Service B&M $21,723
    Emprise Bank 2140 North Woodlawn Wichita, KS 67208 Full Service B&M $35,781
    Emprise Bank 2323 South Hydraulic Street Wichita, KS 67211 Full Service B&M $36,347
    Emprise Bank 2433 South Seneca Wichita, KS 67217 Full Service B&M $37,712
    Emprise Bank 247 N. Cedar Moran, KS 66755 Full Service B&M $8,316
    Emprise Bank 257 North Broadway Wichita, KS 67202 Full Service Cyber Office $4,573
    Emprise Bank 257 North Broadway Street Wichita, KS 67202 Full Service B&M $448,041
    Emprise Bank 2701 Hall Street Hays, KS 67601 Full Service B&M $22,362
    Emprise Bank 330 North Main Haysville, KS 67060 Full Service B&M $24,157
    Emprise Bank 3900 West Central Street Wichita, KS 67203 Full Service B&M $72,066
    Emprise Bank 406 South Andover Road Andover, KS 67002 Full Service B&M $20,301
    Emprise Bank 418 North Main Street Eureka, KS 67045 Full Service B&M $21,191
    Emprise Bank 4833 South Broadway Street Wichita, KS 67216 Full Service B&M $14,761
    Emprise Bank 538 W. 7th St. Augusta, KS 67010 Full Service B&M $32,385
    Emprise Bank 6030 East Central Wichita, KS 67208 Full Service B&M $31,204
    Emprise Bank 701 North Goddard Road Goddard, KS 67052 Full Service B&M $31,538
    Emprise Bank 8807 West Central Street Wichita, KS 67212 Full Service B&M $79,573
    Emprise Bank 919 North State Street Iola, KS 66749 Limited, Drive-thru $0
    Emprise Bank 9485 East 21st Street North Wichita, KS 67206 Full Service B&M $36,896

    For 2018, Emprise Bank had 38 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $68,707
    Net interest income $63,029
    Total noninterest income $18,438
    Gross Fiduciary activities income $2,605
    Service charges on deposit accounts $5,920
    Trading account gains and fees $0
    Additional Noninterest Income $9,913
    Pre-tax net operating income $29,949
    Securities gains (or losses, -) $1,483
    Income before extraordinary items $30,186
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $30,186
    Minority interest net income $0
    Net income $30,186
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $28,762

    Emprise Bank's gross interest income from loans was $68,707,000.
    Emprise Bank's net interest income from loans was $63,029,000.
    Emprise Bank's fee based income from loans was $5,920,000.
    Emprise Bank's net income from loans was $30,186,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,678
    Provision for credit losses $1,500
    Total noninterest expense $50,018
    Salaries and employee benefits $27,193
    Premises and equipment expense $7,009
    Additional noninterest expense $15,816
    Applicable income taxes $1,246
    Net charge-offs $1,863
    Cash dividends $21,000

    Emprise Bank's interest expense for loans was $5,678,000.
    Emprise Bank's payroll and benefits expense were $27,193,000.
    Emprise Bank's property, plant and equipment expenses $7,009,000.

    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 0.6%
    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 $1,508,485
    Deposits held in domestic offices $1,508,485
    Deposits by Individuals, partnerships, and corporations $1,445,181
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $63,286
    Deposits by Commercial banks and other depository institutions in U.S. $17
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $15,065
    Demand deposits $15,065
    Nontransaction accounts $1,493,420
    Money market deposit accounts (MMDAs) $205,416
    Other savings deposits (excluding MMDAs) $1,108,986
    Total time deposits $179,018
    Total time and savings deposits $1,493,420
    Noninterest-bearing deposits $447,636
    Interest-bearing deposits $1,060,849
    Retail deposits $1,462,879
    IRAs and Keogh plan accounts $45,889
    Brokered deposits $4,771
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,686,673
    Cash & Balances due from depository institutions $38,961
    Interest-bearing balances $1,080
    Total securities $314,497
    Federal funds sold & reverse repurchase $101
    Net loans and leases $1,246,533
    Loan and leases loss allowance $14,655
    Trading account assets $0
    Bank premises and fixed assets $34,356
    Other real estate owned $0
    Goodwill and other intangibles $23,605
    All other assets $28,620

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,686,673
    Total Liabilities $1,527,812
    Total deposits $1,508,485
    Interest-bearing deposits $1,060,849
    Deposits held in domestic offices $1,508,485
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $10,025
    Subordinated debt $0
    All other liabilities $9,302

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,246,533
    Loan and leases loss allowance $14,655
    Total loans and leases (domestic) $1,261,188
    All real estate loans $940,655
    Real estate loans in domestic offices $940,655
    Construction and development loans $75,823
    Residential 1-4 family construction $36,747
    Other construction, all land development and other land $39,076
    Loans secured by nonfarm nonresidential properties $430,944
    Nonfarm nonresidential secured by owner-occupied properties $110,143
    Commercial real estate & other non-farm, non-residential $320,801
    Multifamily residential real estate $24,026
    1-4 family residential loans $367,280
    Farmland loans $42,582
    Loans held in foreign offices $0
    Farm loans $56,410
    Commercial and industrial loans $188,156
    To non-U.S. addressees $0
    Loans to individuals $51,735
    Credit card loans $5,030
    Related Plans $3,848
    Consumer Auto Loans $19,765
    Other loans to individuals $23,092
    All other loans & leases $24,232
    Loans to foreign governments and official institutions $0
    Other loans $6,186
    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 $2,249
    Non 1-4 family restructured loans & leases $966
    Total loans and leases (foreign) $0

    Emprise Bank had $1,246,533,000 of loans outstanding in 2018. $940,655,000 of loans were in real estate loans. $75,823,000 of loans were in development loans. $24,026,000 of loans were in multifamily mortgage loans. $367,280,000 of loans were in 1-4 family mortgage loans. $56,410,000 of loans were in farm loans. $5,030,000 of loans were in credit card loans. $19,765,000 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 432 $73,452 $170,028
    Nonfarm, nonresidential loans - <$100k 112 $4,269 $38,116
    Nonfarm, nonresidential loans - $100-250k 156 $16,436 $105,359
    Nonfarm, nonresidential loans - $250k-1MM 164 $52,747 $321,628
    Commercial & Industrial, US addressed loans - <$1MM 1,372 $66,978 $48,818
    Commercial & Industrial, US addressed loans - <$100k 851 $16,209 $19,047
    Commercial & Industrial, US addressed loans - $100-250k 283 $16,776 $59,279
    Commercial & Industrial, US addressed loans - $250k-1MM 238 $33,993 $142,828
    Farmland loans - <$1MM 228 $24,955 $109,452
    Farmland loans - <$100k 67 $2,611 $38,970
    Farmland loans - $100-250k 82 $8,953 $109,183
    Farmland loans - $250k-1MM 79 $13,391 $169,506
    Agriculture operations loans - <$1MM 353 $17,252 $48,873
    Agriculture operations loans - <$100k 197 $3,373 $17,122
    Agriculture operations loans - $100-250k 90 $5,577 $61,967
    Agriculture operations loans - $250k-1MM 66 $8,302 $125,788