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

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 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.

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
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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

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

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

Show all (4) 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)	1,203	$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.

Their top states include:

Pennsylvania (FHA|USDA|VA)

New Jersey (FHA|USDA|VA)

Massachusetts (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Maine (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.

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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	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	9309 Krewstown Rd. Philadelphia, PA 19115	Full Service B&M	$335,864
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