At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.58%
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
$557M
Total Deposits
$467M
Net Loans
$382M
Net Income
$811K
ROA
0.58%
ROE
8.39%
Risk-Based Capital
14.42%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
7
Branch Deposits
$462M
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 788 | 52.28% | 29.57% |
| 2023 | 923 | 57.1% | 20.91% |
| 2022 | 337 | 62.61% | 14.54% |
| 2021 | 286 | 70.28% | 13.29% |
| 2020 | 312 | 68.59% | 14.42% |
| 2019 | 312 | 60.58% | 15.71% |
| 2018 | 259 | 64.48% | 12.74% |
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
5 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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