At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.86%
Institution Profile
FDIC BankFindAddress
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
$887M
Total Deposits
$818M
Net Loans
$455M
Net Income
$2M
ROA
0.86%
ROE
11.46%
Risk-Based Capital
20.16%
Regulatory minimum: 8%
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
10
Branch Deposits
$797M
1-Year Change
-1
5-year net change: -1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 121 | 62.81% | 23.14% |
| 2023 | 155 | 69.03% | 22.58% |
| 2022 | 213 | 74.65% | 15.02% |
| 2021 | 212 | 76.42% | 9.91% |
| 2020 | 238 | 80.25% | 11.34% |
| 2019 | 189 | 70.37% | 19.05% |
| 2018 | 226 | 78.76% | 10.62% |
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
9 previous ratings locked — back to 1996
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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