At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.22%
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
$313M
Total Deposits
$290M
Net Loans
$182M
Net Income
$171K
ROA
0.22%
ROE
3.40%
Risk-Based Capital
14.03%
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
$274M
1-Year Change
0
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,597 | 71.51% | 10.02% |
| 2023 | 1,474 | 72.86% | 10.24% |
| 2022 | 2,195 | 66.51% | 14.44% |
| 2021 | 3,567 | 67.62% | 13.09% |
| 2020 | 4,542 | 66.67% | 12.35% |
| 2019 | 2,947 | 69.26% | 13.81% |
| 2018 | 2,430 | 72.39% | 13.66% |
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
7 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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