At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.76%
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
$1.3B
Total Deposits
$1.1B
Net Loans
$1.1B
Net Income
$3M
ROA
0.76%
ROE
9.14%
Risk-Based Capital
12.80%
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
3
Branch Deposits
$1.2B
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2023 | 9 | 100% | 0.00% |
| 2022 | 66 | 68.18% | 1.52% |
| 2021 | 216 | 69.91% | 11.11% |
| 2020 | 290 | 70% | 8.28% |
| 2019 | 354 | 62.99% | 11.30% |
| 2018 | 336 | 73.51% | 6.25% |
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 1999
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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