At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.74%
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
$2.6B
Total Deposits
$2.2B
Net Loans
$2.0B
Net Income
$11M
ROA
1.74%
ROE
21.28%
Risk-Based Capital
13.58%
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
20
Branch Deposits
$2.2B
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,990 | 78.09% | 7.44% |
| 2023 | 2,008 | 78.93% | 6.87% |
| 2022 | 2,616 | 81.15% | 6.54% |
| 2021 | 3,618 | 79.93% | 6.69% |
| 2020 | 3,127 | 72.37% | 8.76% |
| 2019 | 2,639 | 77.42% | 8.37% |
| 2018 | 2,385 | 76.06% | 10.02% |
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 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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