At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Strong
ROA 1.31%
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
$743M
Total Deposits
$621M
Net Loans
$638M
Net Income
$2M
ROA
1.31%
Above avg for Small banks. Peer avg: 0.44%
ROE
8.36%
Risk-Based Capital
17.49%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
4
Branch Deposits
$613M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2023 | 23 | 60.87% | 4.35% |
| 2022 | 74 | 87.84% | 5.41% |
| 2019 | 46 | 84.78% | 4.35% |
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
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2025 | Satisfactory | Intermediate Small Bank |
| Oct 2022 | Satisfactory | Intermediate Small Bank |
| Jul 2016 | Satisfactory | Small Bank |
Rating Over Time
🔒 LockedExam dates and details are paywalled
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