At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.63%
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
$725M
Total Deposits
$631M
Net Loans
$542M
Net Income
$1M
ROA
0.63%
ROE
7.78%
Risk-Based Capital
12.17%
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
$621M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 229 | 79.91% | 8.30% |
| 2023 | 228 | 82.46% | 7.89% |
| 2022 | 383 | 84.07% | 6.01% |
| 2021 | 620 | 83.23% | 7.74% |
| 2020 | 909 | 82.95% | 7.15% |
| 2019 | 389 | 83.29% | 7.20% |
| 2018 | 283 | 80.57% | 9.54% |
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
8 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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