At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.15%
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
$1.2B
Total Deposits
$1.1B
Net Loans
$564M
Net Income
$3M
ROA
1.15%
ROE
13.21%
Risk-Based Capital
18.18%
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
17
Branch Deposits
$1.0B
1-Year Change
+1
5-year net change: +4 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 15,633 | 68.75% | 10.95% |
| 2023 | 16,365 | 70.94% | 8.75% |
| 2022 | 23,723 | 70.81% | 8.55% |
| 2021 | 46,277 | 75.23% | 4.95% |
| 2020 | 72,458 | 65.52% | 6.18% |
| 2019 | 35,811 | 67.08% | 8.62% |
| 2018 | 15,291 | 71.55% | 11.03% |
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
9 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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