At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.39%
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
$3.5B
Total Deposits
$3.0B
Net Loans
$2.9B
Net Income
$3M
ROA
0.39%
ROE
4.14%
Risk-Based Capital
12.07%
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
$2.8B
1-Year Change
0
5-year net change: -1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 802 | 77.68% | 8.48% |
| 2023 | 818 | 77.51% | 7.21% |
| 2022 | 1,002 | 82.73% | 5.39% |
| 2021 | 783 | 85.06% | 3.83% |
| 2020 | 849 | 82.8% | 3.65% |
| 2019 | 622 | 82.32% | 5.79% |
| 2018 | 487 | 82.34% | 5.13% |
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
11 previous ratings locked — dating back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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