At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.92%
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
$1.0B
Net Loans
$884M
Net Income
$3M
ROA
0.92%
ROE
9.93%
Risk-Based Capital
13.20%
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
15
Branch Deposits
$947M
1-Year Change
+1
5-year net change: +5 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 462 | 79.44% | 7.36% |
| 2023 | 390 | 82.56% | 6.92% |
| 2022 | 589 | 88.46% | 3.74% |
| 2021 | 1,025 | 88.39% | 3.02% |
| 2020 | 1,433 | 89.88% | 3.42% |
| 2019 | 440 | 87.5% | 3.18% |
| 2018 | 297 | 86.87% | 3.70% |
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 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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