CapStar Financial (CSTR) - 2022 Q4 - Annual Report

The increase in interchange and debit card transaction fees and other deposit service charges for 2021 were driven by the incremental increase in transaction volume related to our acquisitions of FCB and BOW, an emphasis on electronic banking and continued growth in deposits and volume of our commercial and consumer deposit account. Mortgage banking income decreased 35.9% from 2020 to 2021. In 2020, we experienced an increase in mortgage lending transactions as a result of the sharp decline in mortgage inte ...