At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.96%
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
$3.0B
Total Deposits
$2.6B
Net Loans
$1.9B
Net Income
$7M
ROA
0.96%
ROE
11.04%
Risk-Based Capital
14.37%
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
6
Branch Deposits
$1.7B
1-Year Change
0
5-year net change: -1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 78 | 96.15% | 3.85% |
| 2023 | 89 | 91.01% | 1.12% |
| 2022 | 127 | 95.28% | 0.00% |
| 2021 | 118 | 94.92% | 0.00% |
| 2020 | 85 | 89.41% | 3.53% |
| 2019 | 138 | 89.86% | 5.07% |
| 2018 | 72 | 88.89% | 5.56% |
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
10 previous ratings locked — dating back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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