At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.94%
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
$3.7B
Total Deposits
$3.1B
Net Loans
$2.4B
Net Income
$9M
ROA
0.94%
ROE
8.68%
Risk-Based Capital
14.45%
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
30
Branch Deposits
$2.6B
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,093 | 75.39% | 5.12% |
| 2023 | 1,369 | 77.5% | 3.94% |
| 2022 | 1,955 | 78.57% | 2.92% |
| 2021 | 2,274 | 83.11% | 4.35% |
| 2020 | 1,992 | 85.49% | 3.31% |
| 2019 | 1,016 | 81% | 9.25% |
| 2018 | 619 | 76.58% | 15.51% |
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
9 previous ratings locked — dating back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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