Firstrust Savings Bank Mortgage Rates, Fees & Info

Conshohocken, PA

LEI: R7JQ9JTCFHXBQU4XIT26

Tax ID: 23-0970971

3.1 stars - out of 5 stars, based on 40 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Firstrust Savings Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Firstrust Savings Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Philadelphia, Ocean City, Boston, Atlantic City, and New York among others. We have data for 49 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Firstrust Savings 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. Firstrust Savings Bank is typically a high 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 6.51% 10/3/22
    30 Year Conventional Refi 6.44% 10/3/22
    30 Year Cash-out Refi 6.56% 10/3/22
    30 Year FHA Purchase 7.35% 10/3/22
    30 Year FHA Refi 7.80% 10/3/22
    30 Year VA Purchase 6.00% 10/3/22
    30 Year VA Refi 6.07% 10/3/22
    15 Year Conventional Purchase 6.73% 10/3/22
    15 Year Conventional Refi 6.23% 10/3/22
    15 Year Cash-out Refi 6.23% 10/3/22
    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.


    Originations

    1,574

    Origination Dollar Volume (All Markets)

    $576,030,000

    Employee count

    527

    Awards

    Firstrust Savings Bank 30 Year Conventional Loans gold Firstrust Savings Bank 30 Year Conventional Loans silver Firstrust Savings Bank FHA Loans silver Firstrust Savings Bank 30 Year Conventional Loans gold
    Show all (4) awards

    Relative Rate

    Firstrust Savings Bank's average 30 year fixed mortgage rate was 2.99%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.16%.

    Relative Fees (Closing Costs)

    Firstrust Savings Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,142.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1,203 $421,845,000 $350,661 $6,948 2.89%
    OCEAN CITY, NJ (FHA|USDA|VA) 92 $35,200,000 $382,609 $6,227 2.89%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 45 $30,175,000 $670,556 $9,036 2.92%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 22 $9,770,000 $444,091 $5,130 2.76%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 20 $8,770,000 $438,500 $7,592 2.91%
    Outside of Metro Areas 26 $7,350,000 $282,692 $3,760 2.83%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 26 $6,990,000 $268,846 $5,758 2.85%
    WORCESTER, MA-CT (FHA|USDA|VA) 8 $5,410,000 $676,250 $14,356 2.83%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $4,480,000 $746,667 $6,735 2.85%
    READING, PA (FHA|USDA|VA) 15 $4,225,000 $281,667 $6,171 2.81%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $3,775,000 $755,000 $9,951 2.60%
    LANCASTER, PA (FHA|USDA|VA) 14 $3,500,000 $250,000 $7,145 2.84%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 6 $2,900,000 $483,333 $4,887 2.92%
    PITTSBURGH, PA (FHA|USDA|VA) 7 $2,665,000 $380,714 $9,721 2.95%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 7 $2,235,000 $319,286 $5,723 2.93%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $2,135,000 $711,667 $5,546 3.13%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $2,020,000 $505,000 $7,406 2.78%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $2,015,000 $403,000 $6,597 3.18%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $1,605,000 $535,000 $5,686 3.04%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $1,515,000 $505,000 $6,973 2.88%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $1,450,000 $725,000 $8,015 3.00%
    SPRINGFIELD, MA (FHA|USDA|VA) 6 $1,400,000 $233,333 $2,839 2.63%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,260,000 $630,000 $11,545 3.06%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,125,000 $375,000 $6,438 3.08%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $3,807 2.50%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $805,000 $805,000 $3,857 3.13%
    RALEIGH-CARY, NC (FHA|USDA|VA) 2 $800,000 $400,000 $5,841 2.69%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $780,000 $390,000 $5,997 2.94%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $775,000 $258,333 $2,691 2.42%
    Lebanon, NH-VT (FHA|USDA|VA) 2 $760,000 $380,000 $3,129 2.88%
    LEBANON, PA (FHA|USDA|VA) 4 $740,000 $185,000 $3,444 2.75%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $650,000 $325,000 $5,418 2.63%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $600,000 $300,000 $6,726 2.81%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $585,000 $585,000 $13,466 2.88%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $545,000 $545,000 $4,494 3.13%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $545,000 $545,000 $3,976 2.25%
    SALISBURY, MD-DE (FHA|USDA|VA) 3 $525,000 $175,000 $3,826 3.25%
    BANGOR, ME (FHA|USDA|VA) 1 $435,000 $435,000 $3,543 3.13%
    SAVANNAH, GA (FHA|USDA|VA) 1 $335,000 $335,000 $3,835 2.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $305,000 $101,667 $4,385 2.96%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $9,196 2.25%
    Pottsville, PA (FHA|USDA|VA) 2 $270,000 $135,000 $3,988 2.75%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $270,000 $135,000 $4,760 2.88%
    Somerset, PA (FHA|USDA|VA) 1 $255,000 $255,000 $4,115 2.75%
    Laconia, NH (FHA|USDA|VA) 1 $215,000 $215,000 $4,071 3.25%
    OCALA, FL (FHA|USDA|VA) 1 $205,000 $205,000 $6,469 3.50%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,304 3.00%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $185,000 $185,000 $2,716 3.25%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,869 2.25%

    Firstrust Savings Bank's top markets include Philadelphia, Ocean City, Boston, Atlantic City, and New York among others.

    Similar Lenders

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

    N C P D Federal Credit Union
    Similarity Rank: 102
    BELLCO
    Similarity Rank: 176
    Schuyler Savings Bank
    Similarity Rank: 352
    Louviers Federal Credit Union
    Similarity Rank: 410
    LUSO-AMERICAN CREDIT UNION
    Similarity Rank: 474
    BHCU
    Similarity Rank: 504
    Discovery Federal Credit Union
    Similarity Rank: 616
    ATLANTIS MORTGAGE CO., INC.
    Similarity Rank: 652

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,512 $562,190,000 $371,819 $6,765 2.89%
    FHA 59 $12,655,000 $214,492 $8,686 2.88%
    VA 3 $1,185,000 $395,000 $6,768 2.75%

    For 2021, Firstrust Savings Bank's most frequently originated type of loan was Conventional, with 1,512 originations. Their 2nd most popular type was FHA, with 59 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 666 $246,270,000 $369,775 $7,254 2.98%
    Refi 512 $186,980,000 $365,195 $6,353 2.73%
    Cash Out Refi 362 $133,910,000 $369,917 $6,902 2.89%
    Other 27 $8,535,000 $316,111 $4,878 3.21%
    Home Improvement 7 $335,000 $47,857 $3,291 4.22%

    For 2021, Firstrust Savings Bank's most frequently cited loan purpose was Home Purchase, with 666 originations. The 2nd most popular reason was Refi, with 512 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,127 $428,375,000 $380,102 $7,142 2.99%
    15 Year 269 $88,115,000 $327,565 $5,875 2.51%
    20 Year 129 $44,185,000 $342,519 $6,444 2.73%
    10 Year 23 $9,165,000 $398,478 $5,652 2.59%
    Other 22 $5,950,000 $270,455 $5,999 3.15%
    5 Year 4 $240,000 $60,000 $0 3.74%

    For 2021, Firstrust Savings Bank's most frequently cited loan duration was 30 Year, with 1,127 originations. The 2nd most popular length was 15 Year, with 269 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 661 $211,395,000 $319,811
    $5k+ 415 $233,875,000 $563,554
    $1k-2k 251 $60,275,000 $240,139
    $2k-3k 79 $23,845,000 $301,835
    $4k-5k 76 $24,510,000 $322,500
    $3k-4k 75 $21,105,000 $281,400

    Firstrust Savings Bank's average total fees were $7,142, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 661 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 876 $341,980,000 $390,388
    3-4% 367 $125,005,000 $340,613
    <2.5% 304 $105,350,000 $346,546
    4-5% 16 $3,030,000 $189,375
    5-6% 11 $665,000 $60,455

    During 2021, Firstrust Savings Bank's average interest rate for loans was 2.99%, while their most frequently originated rate bucket for loans was 2.5-3%, with 876 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 663 $190,025,000 $286,614 $5,718 2.85%
    $100k-200k 343 $54,155,000 $157,886 $4,217 2.95%
    $400k-600k 245 $118,385,000 $483,204 $8,040 2.82%
    $600k-1MM 242 $182,040,000 $752,231 $12,455 2.84%
    $100,000 or less 60 $4,360,000 $72,667 $3,472 3.45%
    $1MM+ 21 $27,065,000 $1,288,810 $13,181 2.98%

    2021 saw Firstrust Savings Bank place emphasis on $200k-400k loans with 663 originations, totaling $190,025,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 377 $164,495,000 $436,326 $7,978 2.90%
    $100k-150k 341 $100,595,000 $295,000 $5,747 2.90%
    $250k+ 304 $190,580,000 $626,908 $9,842 2.81%
    $50k-75k 211 $43,925,000 $208,175 $5,143 2.94%
    $75k-100k 190 $48,690,000 $256,263 $5,717 2.87%
    $50k or less 125 $20,655,000 $165,240 $4,306 2.94%

    Firstrust Savings Bank lent most frequently to those with incomes in the $150k-250k range, with 377 originations. The second most popular income band? $100k-150k, with 341 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 461 $180,575,000 $391,703 $7,116 2.83%
    30-36% 301 $114,185,000 $379,352 $6,803 2.95%
    <20% 165 $60,975,000 $369,545 $6,469 2.76%
    38% 64 $19,930,000 $311,406 $6,714 2.88%
    37% 61 $24,525,000 $402,049 $7,098 2.93%
    40% 56 $22,080,000 $394,286 $6,850 2.93%
    39% 55 $20,905,000 $380,091 $7,652 2.97%
    36% 53 $17,365,000 $327,642 $6,828 2.91%
    42% 51 $19,445,000 $381,275 $7,324 2.93%
    41% 51 $18,135,000 $355,588 $6,933 2.96%
    49% 40 $11,570,000 $289,250 $6,483 2.97%
    47% 39 $11,815,000 $302,949 $6,136 2.88%
    44% 37 $11,435,000 $309,054 $6,325 3.00%
    48% 35 $10,295,000 $294,143 $5,648 2.89%
    43% 32 $8,590,000 $268,438 $5,969 2.91%
    45% 25 $9,255,000 $370,200 $6,897 2.92%
    46% 23 $6,485,000 $281,957 $5,701 2.99%
    50-60% 18 $5,080,000 $282,222 $8,076 2.98%
    >60% 6 $3,150,000 $525,000 $6,502 3.06%

    Firstrust Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 461 originations. The next most common DTI ratio? 30-36%, with 301 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,302 $473,450,000 $363,633 $6,566 2.88%
    Not provided 129 $54,515,000 $422,597 $9,281 2.87%
    Asian 62 $29,070,000 $468,871 $8,605 2.80%
    Black 73 $15,855,000 $217,192 $5,793 3.16%
    Asian Indian 3 $1,565,000 $521,667 $9,395 2.88%
    American Indian 3 $935,000 $311,667 $7,826 3.29%
    Native Hawaiian or Islander 2 $640,000 $320,000 $4,535 2.88%

    Approval Rates

    Total approvals of all applications
    96.58%

    Firstrust Savings 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 origination
    68.17%

    Firstrust Savings 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 1,574 $576,030,000 $365,966

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,574 $576,030,000 $365,966

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 76 $20,860,000 $274,474 $4,967 2.68%
    40-60% 336 $110,130,000 $327,768 $5,630 2.69%
    60-80% 679 $270,405,000 $398,240 $7,015 2.92%
    80-100% 460 $171,660,000 $373,174 $7,829 2.95%
    Under 20% 23 $2,975,000 $129,348 $3,292 4.17%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 6 17.6%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 1 2.9%
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 2 5.9%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 10 29.4%
    FIRST HORIZON BANK VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 2.9%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 5.9%
    FIRST HORIZON BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 2.9%
    FIRST HORIZON BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK FHA mortgage Closing on a mortgage 1 2.9%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 2 5.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Firstrust Savings Bank 9309 Krewstown Rd. Philadelphia, PA 19115 Full Service B&M $335,864
    Firstrust Savings Bank 107 Coulter Avenue Ardmore, PA 19003 Full Service B&M $548,494
    Firstrust Savings Bank 108 E. Marlton Pike Cherry Hill, NJ 8034 Full Service B&M $108,437
    Firstrust Savings Bank 11 Durham Road Newtown, PA 18940 Full Service B&M $80,448
    Firstrust Savings Bank 1332 Point Breeze Avenue Philadelphia, PA 19146 Full Service B&M $19,330
    Firstrust Savings Bank 1403 North Cedar Crest Boulevard Allentown, PA 18104 Full Service B&M $143,065
    Firstrust Savings Bank 15 East Ridge Pike Conshohocken, PA 19428 Full Service B&M $1,231,406
    Firstrust Savings Bank 1515 Market Street Philadelphia, PA 19102 Full Service B&M $447,737
    Firstrust Savings Bank 1816 Bethlehem Pike Flourtown, PA 19031 Full Service B&M $160,026
    Firstrust Savings Bank 1901 Walnut Street Philadelphia, PA 19103 Full Service B&M $142,461
    Firstrust Savings Bank 261 Old York Road Jenkintown, PA 19046 Full Service B&M $229,598
    Firstrust Savings Bank 288 South Main Street Doylestown, PA 18901 Full Service B&M $121,529
    Firstrust Savings Bank 32 W. Pennsylvania Avenue, 1st Floor Towson, MD 21204 Full Service B&M $8,812
    Firstrust Savings Bank 351 Conshohocken State Road Gladwyne, PA 19035 Full Service B&M $116,154
    Firstrust Savings Bank 361 Second Street Pike Southampton, PA 18966 Full Service B&M $187,180
    Firstrust Savings Bank 555 City Avenue Bala-Cynwyd, PA 19004 Full Service B&M $94,700
    Firstrust Savings Bank 725 West Lancaster Avenue Bryn Mawr, PA 19010 Full Service B&M $153,351
    Firstrust Savings Bank 7918 Bustleton Avenue Philadelphia, PA 19152 Full Service B&M $187,394
    Firstrust Savings Bank One Walnut Grove Drive Horsham, PA 19044 Full Service B&M $12,394

    For 2021, Firstrust Savings Bank had 19 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $169,176
    Net interest income $156,237
    Total noninterest income $44,862
    Gross Fiduciary activities income $12
    Service charges on deposit accounts $4,536
    Trading account gains and fees $0
    Additional Noninterest Income $40,314
    Pre-tax net operating income $84,263
    Securities gains (or losses, -) $826
    Income before extraordinary items $80,606
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $80,606
    Minority interest net income $0
    Net income $80,606
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $79,821

    Firstrust Savings Bank's gross interest income from loans was $169,176,000.
    Firstrust Savings Bank's net interest income from loans was $156,237,000.
    Firstrust Savings Bank's fee based income from loans was $4,536,000.
    Firstrust Savings Bank's net income from loans was $80,606,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,939
    Provision for credit losses $3,308
    Total noninterest expense $113,528
    Salaries and employee benefits $66,706
    Premises and equipment expense $9,159
    Additional noninterest expense $37,663
    Applicable income taxes $4,483
    Net charge-offs $-322
    Cash dividends $14,000

    Firstrust Savings Bank's interest expense for loans was $12,939,000.
    Firstrust Savings Bank's payroll and benefits expense were $66,706,000.
    Firstrust Savings Bank's property, plant and equipment expenses $9,159,000.

    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 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.2%
    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 $4,397,048
    Deposits held in domestic offices $4,397,048
    Deposits by Individuals, partnerships, and corporations $4,211,787
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $184,521
    Deposits by Commercial banks and other depository institutions in U.S. $740
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $882,556
    Demand deposits $0
    Nontransaction accounts $3,514,492
    Money market deposit accounts (MMDAs) $550,752
    Other savings deposits (excluding MMDAs) $2,703,486
    Total time deposits $260,256
    Total time and savings deposits $4,397,048
    Noninterest-bearing deposits $1,686,619
    Interest-bearing deposits $2,710,429
    Retail deposits $4,328,335
    IRAs and Keogh plan accounts $44,904
    Brokered deposits $11,192
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,178,645
    Cash & Balances due from depository institutions $1,315,226
    Interest-bearing balances $1,293,450
    Total securities $451,719
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,332,663
    Loan and leases loss allowance $69,725
    Trading account assets $0
    Bank premises and fixed assets $13,604
    Other real estate owned $1,401
    Goodwill and other intangibles $15,037
    All other assets $48,995

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,178,645
    Total Liabilities $4,698,638
    Total deposits $4,397,048
    Interest-bearing deposits $2,710,429
    Deposits held in domestic offices $4,397,048
    % insured (estimated) $52
    Federal funds purchased and repurchase agreements $92,586
    Trading liabilities $0
    Other borrowed funds $151,147
    Subordinated debt $0
    All other liabilities $57,857

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,332,663
    Loan and leases loss allowance $69,725
    Total loans and leases (domestic) $3,402,388
    All real estate loans $2,111,486
    Real estate loans in domestic offices $2,111,486
    Construction and development loans $321,799
    Residential 1-4 family construction $21,100
    Other construction, all land development and other land $300,699
    Loans secured by nonfarm nonresidential properties $1,145,569
    Nonfarm nonresidential secured by owner-occupied properties $377,784
    Commercial real estate & other non-farm, non-residential $767,785
    Multifamily residential real estate $94,268
    1-4 family residential loans $549,850
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $1,008,759
    To non-U.S. addressees $0
    Loans to individuals $201,383
    Credit card loans $2,660
    Related Plans $0
    Consumer Auto Loans $6,477
    Other loans to individuals $192,246
    All other loans & leases $80,760
    Loans to foreign governments and official institutions $0
    Other loans $407
    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 $8,023
    Non 1-4 family restructured loans & leases $8,023
    Total loans and leases (foreign) $0

    Firstrust Savings Bank had $3,332,663,000 of loans outstanding in 2021. $2,111,486,000 of loans were in real estate loans. $321,799,000 of loans were in development loans. $94,268,000 of loans were in multifamily mortgage loans. $549,850,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $2,660,000 of loans were in credit card loans. $6,477,000 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 2,502 $550,198 $219,903
    Nonfarm, nonresidential loans - <$100k 515 $32,930 $63,942
    Nonfarm, nonresidential loans - $100-250k 1,069 $159,794 $149,480
    Nonfarm, nonresidential loans - $250k-1MM 918 $357,474 $389,405
    Commercial & Industrial, US addressed loans - <$1MM 1,130 $143,184 $126,712
    Commercial & Industrial, US addressed loans - <$100k 429 $9,879 $23,028
    Commercial & Industrial, US addressed loans - $100-250k 276 $21,789 $78,946
    Commercial & Industrial, US addressed loans - $250k-1MM 425 $111,516 $262,391