At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.34%
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
$1.1B
Total Deposits
$931M
Net Loans
$808M
Net Income
$4M
ROA
1.34%
ROE
13.39%
Risk-Based Capital
14.15%
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
10
Branch Deposits
$951M
1-Year Change
-2
5-year net change: -1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,357 | 84.08% | 5.31% |
| 2023 | 1,137 | 84.26% | 5.63% |
| 2022 | 1,306 | 82.85% | 7.27% |
| 2021 | 2,776 | 86.06% | 7.85% |
| 2020 | 3,576 | 87.22% | 6.77% |
| 2019 | 2,144 | 86.24% | 7.32% |
| 2018 | 1,767 | 83.81% | 6.51% |
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
6 previous ratings locked — dating back to 2002
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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