At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.38%
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
$597M
Total Deposits
$503M
Net Loans
$429M
Net Income
$2M
ROA
1.38%
ROE
10.12%
Risk-Based Capital
0.00%
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
9
Branch Deposits
$474M
1-Year Change
0
5-year net change: +4 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 255 | 79.61% | 6.67% |
| 2023 | 287 | 86.41% | 4.88% |
| 2022 | 421 | 82.9% | 5.23% |
| 2021 | 367 | 79.56% | 8.17% |
| 2020 | 377 | 89.66% | 7.69% |
| 2019 | 210 | 73.33% | 20.00% |
| 2018 | 193 | 77.2% | 18.13% |
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
9 previous ratings locked — dating back to 1990
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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