At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.56%
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
$1.6B
Total Deposits
$1.3B
Net Loans
$1.4B
Net Income
$2M
ROA
0.56%
ROE
5.90%
Risk-Based Capital
16.35%
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
$1.3B
1-Year Change
+2
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 865 | 66.59% | 18.38% |
| 2023 | 963 | 68.12% | 14.23% |
| 2022 | 1,223 | 75.72% | 9.24% |
| 2021 | 1,077 | 78.83% | 6.78% |
| 2020 | 1,261 | 72.24% | 8.49% |
| 2019 | 770 | 69.48% | 9.87% |
| 2018 | 629 | 70.75% | 11.92% |
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 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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