At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.77%
Institution Profile
FDIC BankFindAddress
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
$663M
Total Deposits
$527M
Net Loans
$563M
Net Income
$3M
ROA
1.77%
ROE
17.94%
Risk-Based Capital
0.00%
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
8
Branch Deposits
$522M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 197 | 86.8% | 3.55% |
| 2023 | 168 | 88.69% | 4.76% |
| 2022 | 222 | 86.49% | 2.70% |
| 2021 | 350 | 89.14% | 2.29% |
| 2020 | 385 | 90.13% | 4.16% |
| 2019 | 222 | 84.68% | 10.36% |
| 2018 | 129 | 90.7% | 5.43% |
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
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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