Firstrust Savings Bank Mortgage Rates, Fees & Info

Conshohocken, PA

LEI: R7JQ9JTCFHXBQU4XIT26

Tax ID: 23-0970971

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

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  • SimulatedRates™
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    • 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

    Firstrust Savings Bank is a smaller bank specializing in Refi, Home Purchase, 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, Boston, Ocean City, New York, and Allentown among others. We have data for 47 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 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 6.70% 12/16/24
    30 Year Conventional Refi 6.45% 12/16/24
    30 Year Cash-out Refi 6.56% 12/16/24
    30 Year FHA Purchase 7.56% 12/16/24
    30 Year VA Purchase 6.11% 12/16/24
    15 Year Conventional Purchase 5.82% 12/16/24
    15 Year Conventional Refi 5.87% 12/16/24
    15 Year Cash-out Refi 5.87% 12/16/24
    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.

    Firstrust Savings Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Firstrust Savings 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

    2,551

    Origination Dollar Volume (All Markets)

    $790,895,000

    Employee count

    539

    Awards

    Firstrust Savings Bank 30 Year Conventional Loans bronze Firstrust Savings Bank 30 Year Conventional Loans bronze
    Show all (2) 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
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1,884 $574,860,000 $305,127 $6,364 3.16%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 124 $52,270,000 $421,532 $5,287 3.22%
    OCEAN CITY, NJ (FHA|USDA|VA) 125 $39,935,000 $319,480 $6,850 3.13%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 73 $26,835,000 $367,603 $6,466 3.11%
    Outside of Metro Areas 80 $23,320,000 $291,500 $4,034 3.03%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 37 $8,845,000 $239,054 $5,915 3.24%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 28 $8,760,000 $312,857 $5,746 3.21%
    WORCESTER, MA-CT (FHA|USDA|VA) 21 $7,505,000 $357,381 $5,515 3.29%
    LANCASTER, PA (FHA|USDA|VA) 23 $5,955,000 $258,913 $6,881 3.01%
    READING, PA (FHA|USDA|VA) 24 $5,150,000 $214,583 $5,585 3.10%
    PITTSBURGH, PA (FHA|USDA|VA) 14 $3,850,000 $275,000 $7,620 3.29%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 9 $2,675,000 $297,222 $5,400 3.50%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 7 $2,525,000 $360,714 $5,609 3.50%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 10 $2,470,000 $247,000 $3,346 3.11%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 7 $2,365,000 $337,857 $8,929 3.09%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $2,230,000 $371,667 $3,305 2.63%
    SALISBURY, MD-DE (FHA|USDA|VA) 9 $2,215,000 $246,111 $3,670 3.01%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 9 $2,145,000 $238,333 $4,545 3.13%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $2,020,000 $505,000 $6,165 3.22%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 10 $1,780,000 $178,000 $5,469 3.06%
    Concord, NH (FHA|USDA|VA) 2 $1,130,000 $565,000 $6,068 2.81%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $1,030,000 $257,500 $3,679 3.72%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $995,000 $995,000 $16,572 3.25%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $985,000 $328,333 $12,484 3.00%
    SPRINGFIELD, MA (FHA|USDA|VA) 4 $870,000 $217,500 $2,438 3.00%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $680,000 $340,000 $4,291 3.06%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $655,000 $218,333 $6,228 3.29%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $645,000 $215,000 $3,752 3.04%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $640,000 $320,000 $5,708 4.37%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $585,000 $195,000 $4,825 2.79%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $560,000 $280,000 $6,433 2.94%
    RALEIGH-CARY, NC (FHA|USDA|VA) 2 $540,000 $270,000 $2,648 3.13%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $465,000 $465,000 $7,169 2.88%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $465,000 $465,000 $6,208 2.25%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $405,000 $405,000 $10,389 3.00%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $335,000 $335,000 $2,853 3.25%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $295,000 $295,000 $9,755 2.50%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,087 2.63%
    LEBANON, PA (FHA|USDA|VA) 2 $230,000 $115,000 $3,086 2.88%
    Pottsville, PA (FHA|USDA|VA) 1 $225,000 $225,000 $4,124 2.75%
    Lewisburg, PA (FHA|USDA|VA) 1 $215,000 $215,000 $6,079 3.13%
    Sunbury, PA (FHA|USDA|VA) 1 $205,000 $205,000 $7,723 3.13%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $185,000 $185,000 $2,619 3.00%
    WILMINGTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,619 2.25%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $175,000 $175,000 $6,982 3.13%
    Lewistown, PA (FHA|USDA|VA) 1 $115,000 $115,000 $3,456 3.13%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,006 3.50%
    Firstrust Savings Bank's top markets include Philadelphia, Boston, Ocean City, New York, and Allentown among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Maine (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)

    • 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.

    The First National Bank of Long Island
    Similarity Rank: 134
    North Jersey Federal Credit Union
    Similarity Rank: 247
    LUSO-AMERICAN CREDIT UNION
    Similarity Rank: 258
    Piscataqua Savings Bank
    Similarity Rank: 310
    BELLCO
    Similarity Rank: 354
    N C P D Federal Credit Union
    Similarity Rank: 482
    Centreville Bank
    Similarity Rank: 512
    COMMUNITY CREDIT UNION OF LYNN
    Similarity Rank: 525
    MOUNTAIN MORTGAGE CORP.
    Similarity Rank: 538
    EVERENCE FEDERAL CREDIT UNION
    Similarity Rank: 544

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,423 $762,825,000 $314,827 $6,074 3.16%
    FHA 119 $25,565,000 $214,832 $8,463 3.11%
    VA 9 $2,505,000 $278,333 $7,713 3.19%

    For 2020, Firstrust Savings Bank's most frequently originated type of loan was Conventional, with 2,423 originations. Their 2nd most popular type was FHA, with 119 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,085 $337,175,000 $310,760 $5,634 3.05%
    Home Purchase 922 $284,030,000 $308,059 $6,747 3.24%
    Cash Out Refi 507 $163,435,000 $322,357 $6,446 3.19%
    Other 27 $4,835,000 $179,074 $5,212 3.78%
    Home Improvement 10 $1,420,000 $142,000 $3,972 4.19%

    For 2020, Firstrust Savings Bank's most frequently cited loan purpose was Refi, with 1,085 originations. The 2nd most popular reason was Home Purchase, with 922 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,799 $575,035,000 $319,641 $6,379 3.21%
    15 Year 437 $114,855,000 $262,826 $5,335 2.99%
    20 Year 230 $71,080,000 $309,043 $5,987 3.04%
    Other 49 $14,945,000 $305,000 $6,575 3.16%
    10 Year 27 $11,605,000 $429,815 $7,732 3.24%
    5 Year 8 $780,000 $97,500 $0 3.74%
    30+ year 1 $2,595,000 $2,595,000 $5,814 3.38%

    For 2020, Firstrust Savings Bank's most frequently cited loan duration was 30 Year, with 1,799 originations. The 2nd most popular length was 15 Year, with 437 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,076 $303,420,000 $281,989
    $5k+ 652 $281,810,000 $432,224
    $1k-2k 345 $82,705,000 $239,725
    $4k-5k 172 $47,020,000 $273,372
    $2k-3k 134 $37,580,000 $280,448
    $3k-4k 123 $33,195,000 $269,878

    Firstrust Savings Bank's average total fees were $6,379, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,076 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,127 $346,335,000 $307,307
    3-4% 1,124 $364,490,000 $324,279
    <2.5% 180 $55,070,000 $305,944
    4-5% 87 $21,015,000 $241,552
    5-6% 32 $3,960,000 $123,750
    6-7% 1 $25,000 $25,000

    During 2020, Firstrust Savings Bank's average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,127 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,357 $391,985,000 $288,861 $5,837 3.09%
    $100k-200k 525 $82,115,000 $156,410 $4,324 3.20%
    $400k-600k 450 $213,650,000 $474,778 $8,132 3.08%
    $600k-1MM 107 $78,815,000 $736,589 $11,904 3.25%
    $100,000 or less 99 $7,235,000 $73,081 $3,599 4.02%
    $1MM+ 13 $17,095,000 $1,315,000 $15,167 3.66%

    2020 saw Firstrust Savings Bank place emphasis on $200k-400k loans with 1,357 originations, totaling $391,985,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 647 $238,065,000 $367,952 $7,153 3.15%
    $100k-150k 606 $178,940,000 $295,281 $5,816 3.13%
    $75k-100k 363 $93,065,000 $256,377 $5,720 3.15%
    $250k+ 353 $165,205,000 $468,003 $7,950 3.23%
    $50k-75k 344 $73,210,000 $212,820 $5,066 3.16%
    $50k or less 191 $29,575,000 $154,843 $4,702 3.20%

    Firstrust Savings Bank lent most frequently to those with incomes in the $150k-250k range, with 647 originations. The second most popular income band? $100k-150k, with 606 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 736 $237,980,000 $323,342 $6,152 3.11%
    30-36% 506 $155,910,000 $308,123 $6,142 3.20%
    <20% 271 $89,235,000 $329,280 $6,050 3.00%
    41% 107 $31,325,000 $292,757 $6,267 3.26%
    37% 101 $29,045,000 $287,574 $6,002 3.18%
    39% 91 $28,745,000 $315,879 $6,299 3.23%
    38% 85 $26,425,000 $310,882 $6,141 3.16%
    42% 83 $26,935,000 $324,518 $6,230 3.26%
    40% 82 $25,850,000 $315,244 $6,776 3.12%
    36% 80 $24,830,000 $310,375 $7,026 3.23%
    44% 75 $18,175,000 $242,333 $5,336 3.20%
    43% 62 $18,580,000 $299,677 $6,543 3.31%
    46% 52 $16,450,000 $316,346 $5,666 3.19%
    49% 52 $15,960,000 $306,923 $6,208 3.18%
    45% 49 $11,975,000 $244,388 $5,991 3.24%
    48% 46 $13,360,000 $290,435 $5,864 3.15%
    47% 38 $10,720,000 $282,105 $5,940 3.30%
    50-60% 31 $8,185,000 $264,032 $9,049 3.11%
    >60% 1 $275,000 $275,000 $4,025 3.13%

    Firstrust Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 736 originations. The next most common DTI ratio? 30-36%, with 506 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,142 $662,690,000 $309,379 $6,069 3.16%
    Not provided 175 $61,205,000 $349,743 $8,195 3.17%
    Asian 144 $49,000,000 $340,278 $5,742 3.05%
    Black 86 $17,330,000 $201,512 $6,080 3.27%
    Not applicable 2 $460,000 $230,000 $3,031 2.38%
    American Indian 1 $165,000 $165,000 $3,392 3.00%
    Asian Indian 1 $45,000 $45,000 $0 5.49%

    Approval Rates

    Total approvals of all applications
    97.20%

    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
    60.05%

    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
    0.0 1 $45,000 $45,000
    NA 2,550 $790,850,000 $310,137

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 2,551 $790,895,000 $310,033

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 92 $20,840,000 $226,522 $4,463 3.08%
    40-60% 431 $124,125,000 $287,993 $5,319 2.96%
    60-80% 1,193 $400,045,000 $335,327 $6,254 3.14%
    80-100% 783 $240,255,000 $306,839 $6,788 3.20%
    Over 100% 1 $235,000 $235,000 $9,204 2.95%
    Under 20% 50 $4,940,000 $98,800 $3,845 4.62%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Other type of mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 3 20.0%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 13.3%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 2 13.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Firstrust Savings Bank 107 Coulter Avenue Ardmore, PA 19003 Full Service B&M $62,433
    Firstrust Savings Bank 108 E. Marlton Pike Cherry Hill, NJ 8034 Full Service B&M $157,080
    Firstrust Savings Bank 11 Durham Road Newtown, PA 18940 Full Service B&M $83,652
    Firstrust Savings Bank 1332 Point Breeze Avenue Philadelphia, PA 19146 Full Service B&M $16,397
    Firstrust Savings Bank 1403 North Cedar Crest Boulevard Allentown, PA 18104 Full Service B&M $148,006
    Firstrust Savings Bank 15 East Ridge Pike Conshohocken, PA 19428 Full Service B&M $796,634
    Firstrust Savings Bank 1515 Market Street Philadelphia, PA 19102 Full Service B&M $438,838
    Firstrust Savings Bank 1816 Bethlehem Pike Flourtown, PA 19031 Full Service B&M $157,736
    Firstrust Savings Bank 1901 Walnut Street Philadelphia, PA 19103 Full Service B&M $164,362
    Firstrust Savings Bank 261 Old York Road Jenkintown, PA 19046 Full Service B&M $213,953
    Firstrust Savings Bank 288 South Main Street Doylestown, PA 18901 Full Service B&M $89,934
    Firstrust Savings Bank 351 Conshohocken State Road Gladwyne, PA 19035 Full Service B&M $86,055
    Firstrust Savings Bank 361 Second Street Pike Southampton, PA 18966 Full Service B&M $177,817
    Firstrust Savings Bank 555 City Avenue Bala-Cynwyd, PA 19004 Full Service B&M $87,464
    Firstrust Savings Bank 725 West Lancaster Avenue Bryn Mawr, PA 19010 Full Service B&M $146,388
    Firstrust Savings Bank 7918 Bustleton Avenue Philadelphia, PA 19152 Full Service B&M $175,283
    Firstrust Savings Bank 9309 Krewstown Rd. Philadelphia, PA 19115 Full Service B&M $340,603
    Firstrust Savings Bank One Walnut Grove Drive Horsham, PA 19044 Full Service B&M $9,812

    For 2020, Firstrust Savings Bank had 18 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $172,324
    Net interest income $150,154
    Total noninterest income $41,015
    Gross Fiduciary activities income $12
    Service charges on deposit accounts $4,357
    Trading account gains and fees $0
    Additional Noninterest Income $36,646
    Pre-tax net operating income $64,715
    Securities gains (or losses, -) $-128
    Income before extraordinary items $61,372
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $61,372
    Minority interest net income $0
    Net income $61,372
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $61,493

    Firstrust Savings Bank's gross interest income from loans was $172,324,000.
    Firstrust Savings Bank's net interest income from loans was $150,154,000.
    Firstrust Savings Bank's fee based income from loans was $4,357,000.
    Firstrust Savings Bank's net income from loans was $61,372,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $22,170
    Provision for credit losses $20,433
    Total noninterest expense $106,021
    Salaries and employee benefits $64,805
    Premises and equipment expense $8,635
    Additional noninterest expense $32,581
    Applicable income taxes $3,215
    Net charge-offs $5,590
    Cash dividends $25,000

    Firstrust Savings Bank's interest expense for loans was $22,170,000.
    Firstrust Savings Bank's payroll and benefits expense were $64,805,000.
    Firstrust Savings Bank's property, plant and equipment expenses $8,635,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 1.0%
    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 1.9%
    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 $3,539,970
    Deposits held in domestic offices $3,539,970
    Deposits by Individuals, partnerships, and corporations $3,343,814
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $181,483
    Deposits by Commercial banks and other depository institutions in U.S. $14,673
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $510,294
    Demand deposits $0
    Nontransaction accounts $3,029,676
    Money market deposit accounts (MMDAs) $361,807
    Other savings deposits (excluding MMDAs) $2,255,108
    Total time deposits $412,762
    Total time and savings deposits $3,539,970
    Noninterest-bearing deposits $1,258,211
    Interest-bearing deposits $2,281,759
    Retail deposits $3,283,391
    IRAs and Keogh plan accounts $53,152
    Brokered deposits $165,376
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,763,131
    Cash & Balances due from depository institutions $882,284
    Interest-bearing balances $853,138
    Total securities $352,814
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,440,178
    Loan and leases loss allowance $66,094
    Trading account assets $0
    Bank premises and fixed assets $11,564
    Other real estate owned $949
    Goodwill and other intangibles $13,670
    All other assets $61,672

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,763,131
    Total Liabilities $4,342,349
    Total deposits $3,539,970
    Interest-bearing deposits $2,281,759
    Deposits held in domestic offices $3,539,970
    % insured (estimated) $58
    Federal funds purchased and repurchase agreements $101,275
    Trading liabilities $0
    Other borrowed funds $610,660
    Subordinated debt $0
    All other liabilities $90,444

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,440,178
    Loan and leases loss allowance $66,094
    Total loans and leases (domestic) $3,506,272
    All real estate loans $1,985,698
    Real estate loans in domestic offices $1,985,698
    Construction and development loans $258,095
    Residential 1-4 family construction $32,678
    Other construction, all land development and other land $225,417
    Loans secured by nonfarm nonresidential properties $1,084,608
    Nonfarm nonresidential secured by owner-occupied properties $437,145
    Commercial real estate & other non-farm, non-residential $647,463
    Multifamily residential real estate $96,031
    1-4 family residential loans $546,964
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $1,246,177
    To non-U.S. addressees $0
    Loans to individuals $203,927
    Credit card loans $1,152
    Related Plans $0
    Consumer Auto Loans $6,601
    Other loans to individuals $196,174
    All other loans & leases $70,470
    Loans to foreign governments and official institutions $0
    Other loans $230
    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 $7,314
    Non 1-4 family restructured loans & leases $7,314
    Total loans and leases (foreign) $0

    Firstrust Savings Bank had $3,440,178,000 of loans outstanding in 2020. $1,985,698,000 of loans were in real estate loans. $258,095,000 of loans were in development loans. $96,031,000 of loans were in multifamily mortgage loans. $546,964,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $1,152,000 of loans were in credit card loans. $6,601,000 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 2,390 $506,186 $211,793
    Nonfarm, nonresidential loans - <$100k 558 $33,295 $59,668
    Nonfarm, nonresidential loans - $100-250k 991 $146,421 $147,751
    Nonfarm, nonresidential loans - $250k-1MM 841 $326,470 $388,193
    Commercial & Industrial, US addressed loans - <$1MM 2,377 $276,325 $116,249
    Commercial & Industrial, US addressed loans - <$100k 1,373 $34,617 $25,213
    Commercial & Industrial, US addressed loans - $100-250k 459 $57,796 $125,917
    Commercial & Industrial, US addressed loans - $250k-1MM 545 $183,912 $337,453