At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.36%
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
$853M
Total Deposits
$760M
Net Loans
$580M
Net Income
$753K
ROA
0.36%
Below avg for Small banks. Peer avg: 0.44%
ROE
3.53%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
1
Branch Deposits
$653M
1-Year Change
0
5-year net change: -2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 2,233 | 58.13% | 11.11% |
| 2023 | 1,808 | 61.73% | 10.29% |
| 2022 | 6,159 | 60.97% | 8.82% |
| 2021 | 5,693 | 70.31% | 4.15% |
| 2020 | 1,808 | 55.42% | 15.43% |
| 2019 | 1,062 | 70.24% | 7.53% |
| 2018 | 747 | 81.79% | 5.35% |
2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red
This is the only examination on record for this bank.
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