At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.77%
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
$1.6B
Total Deposits
$1.4B
Net Loans
$916M
Net Income
$7M
ROA
1.77%
ROE
20.29%
Risk-Based Capital
12.33%
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
14
Branch Deposits
$1.1B
1-Year Change
+2
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 972 | 84.47% | 3.81% |
| 2023 | 920 | 83.37% | 5.54% |
| 2022 | 1,027 | 89% | 4.97% |
| 2021 | 1,116 | 85.93% | 4.39% |
| 2020 | 1,422 | 90.93% | 3.38% |
| 2019 | 655 | 87.48% | 4.73% |
| 2018 | 552 | 84.6% | 7.07% |
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
3 previous ratings locked — dating back to 2015
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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