At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.26%
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
$3.0B
Total Deposits
$2.6B
Net Loans
$2.4B
Net Income
$9M
ROA
1.26%
ROE
12.70%
Risk-Based Capital
12.85%
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
23
Branch Deposits
$2.5B
1-Year Change
0
5-year net change: +4 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 7,199 | 70.55% | 15.74% |
| 2023 | 9,147 | 70.39% | 16.28% |
| 2022 | 12,836 | 74.42% | 12.39% |
| 2021 | 17,580 | 75.9% | 10.34% |
| 2020 | 20,934 | 74.82% | 10.25% |
| 2019 | 13,426 | 73.57% | 12.30% |
| 2018 | 11,322 | 72.55% | 12.37% |
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 2014
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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