At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.24%
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
$825M
Total Deposits
$707M
Net Loans
$685M
Net Income
$3M
ROA
1.24%
ROE
14.40%
Risk-Based Capital
11.54%
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
14
Branch Deposits
$688M
1-Year Change
+1
5-year net change: +4 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 181 | 79.56% | 12.15% |
| 2023 | 235 | 83.83% | 10.21% |
| 2022 | 370 | 83.78% | 9.73% |
| 2021 | 262 | 78.24% | 12.60% |
| 2020 | 238 | 73.95% | 15.13% |
| 2019 | 248 | 66.94% | 18.95% |
| 2018 | 183 | 75.41% | 14.21% |
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 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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