At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 2.18%
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
$621M
Total Deposits
$503M
Net Loans
$435M
Net Income
$3M
ROA
2.18%
ROE
11.87%
Risk-Based Capital
0.00%
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
12
Branch Deposits
$485M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 730 | 83.56% | 2.88% |
| 2023 | 493 | 82.15% | 6.09% |
| 2022 | 714 | 77.17% | 6.30% |
| 2021 | 1,114 | 82.05% | 7.27% |
| 2020 | 1,219 | 78.75% | 8.86% |
| 2019 | 689 | 79.39% | 6.97% |
| 2018 | 585 | 74.19% | 11.28% |
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
10 previous ratings locked — dating back to 1990
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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