At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.15%
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
$9.2B
Total Deposits
$8.2B
Net Loans
$5.0B
Net Income
$26M
ROA
1.15%
ROE
12.58%
Risk-Based Capital
15.90%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
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Branch Footprint
Total Branches
6
Branch Deposits
$7.8B
1-Year Change
0
5-year net change: -6 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 311 | 72.99% | 5.14% |
| 2023 | 396 | 72.98% | 6.31% |
| 2022 | 872 | 78.78% | 1.83% |
| 2021 | 900 | 77.67% | 4.22% |
| 2020 | 1,179 | 69.3% | 4.41% |
| 2019 | 1,186 | 65.85% | 3.88% |
| 2018 | 957 | 69.07% | 5.12% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
11 previous ratings locked — dating back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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