At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Strong
ROA 1.53%
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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$629M
Total Deposits
$556M
Net Loans
$429M
Net Income
$2M
ROA
1.53%
Above avg for Small banks. Peer avg: 0.44%
ROE
14.03%
Risk-Based Capital
15.83%
Below avg for Small banks. Regulatory min: 8%
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
5
Branch Deposits
$521M
1-Year Change
+1
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 36 | 97.22% | 0.00% |
| 2023 | 56 | 98.21% | 0.00% |
| 2022 | 118 | 96.61% | 1.69% |
| 2019 | 96 | 90.63% | 4.17% |
| 2018 | 102 | 93.14% | 6.86% |
2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red
Rating History
CRA / FFIECRating Trend
↑ ImprovingBased on last 3 exams
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2022 | Outstanding | Intermediate Small Bank |
| Aug 2019 | Satisfactory | Intermediate Small Bank |
| Jul 2016 | Satisfactory | Intermediate Small Bank |
4 previous ratings locked — back to 1995
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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