At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.33%
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
$2.0B
Total Deposits
$1.6B
Net Loans
$1.2B
Net Income
$6M
ROA
1.33%
ROE
13.65%
Risk-Based Capital
0.00%
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
19
Branch Deposits
$1.5B
1-Year Change
+1
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 275 | 69.82% | 10.91% |
| 2023 | 278 | 73.38% | 8.27% |
| 2022 | 325 | 78.46% | 9.85% |
| 2021 | 496 | 70.97% | 13.51% |
| 2020 | 672 | 70.68% | 13.39% |
| 2019 | 362 | 71.82% | 12.98% |
| 2018 | 350 | 66.57% | 16.29% |
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 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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