At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.94%
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$773M
Total Deposits
$596M
Net Loans
$556M
Net Income
$2M
ROA
0.94%
ROE
8.63%
Risk-Based Capital
16.09%
Branch Footprint
Total Branches
7
Branch Deposits
$604M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 144 | 93.06% | 2.08% |
| 2023 | 161 | 93.79% | 0.62% |
| 2022 | 183 | 91.8% | 2.19% |
| 2021 | 431 | 91.65% | 0.46% |
| 2020 | 635 | 92.44% | 2.83% |
| 2019 | 236 | 91.95% | 2.97% |
| 2018 | 160 | 91.25% | 5.63% |
2024 national avg denial rate: 23.75% · above-average shown in red
Rating History
CRA / FFIEC6 previous ratings locked — dating back to 1994
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Rating Over Time
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