At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.97%
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
$615M
Total Deposits
$551M
Net Loans
$449M
Net Income
$1M
ROA
0.97%
Above avg for Small banks. Peer avg: 0.44%
ROE
9.22%
Risk-Based Capital
14.45%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
7
Branch Deposits
$541M
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 114 | 90.35% | 4.39% |
| 2023 | 175 | 90.86% | 3.43% |
| 2022 | 296 | 95.27% | 2.03% |
| 2021 | 275 | 92.73% | 2.55% |
| 2020 | 164 | 85.98% | 6.71% |
| 2019 | 188 | 82.98% | 7.98% |
| 2018 | 241 | 87.97% | 4.56% |
2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2025 | Satisfactory | Intermediate Small Bank |
| Jan 2023 | Satisfactory | Intermediate Small Bank |
| Dec 2019 | Satisfactory | Intermediate Small Bank |
7 previous ratings locked — back to 1990
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Rating Over Time
🔒 LockedExam dates and details are paywalled
Embed this rating
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/4e0222fb-f8f9-4b9f-8113-c7deb8743fdb" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview: