At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.16%
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
$2.0B
Total Deposits
$1.5B
Net Loans
$1.7B
Net Income
$6M
ROA
1.16%
ROE
13.71%
Risk-Based Capital
10.99%
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
18
Branch Deposits
$1.4B
1-Year Change
+1
5-year net change: +4 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 755 | 83.71% | 6.09% |
| 2023 | 708 | 83.76% | 6.92% |
| 2022 | 926 | 84.67% | 6.48% |
| 2021 | 985 | 85.99% | 4.97% |
| 2020 | 966 | 83.95% | 5.38% |
| 2019 | 659 | 82.55% | 6.68% |
| 2018 | 542 | 80.07% | 7.01% |
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
3 previous ratings locked — dating back to 2016
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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