At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.52%
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
$3.9B
Total Deposits
$3.5B
Net Loans
$2.7B
Net Income
$15M
ROA
1.52%
ROE
17.19%
Risk-Based Capital
13.78%
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
$3.2B
1-Year Change
0
5-year net change: +6 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,507 | 82.88% | 5.31% |
| 2023 | 1,840 | 87.5% | 4.46% |
| 2022 | 2,068 | 92.31% | 3.43% |
| 2021 | 964 | 89.32% | 6.22% |
| 2020 | 869 | 87.8% | 8.75% |
| 2019 | 715 | 86.15% | 11.19% |
| 2018 | 540 | 82.41% | 13.70% |
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
5 previous ratings locked — dating back to 2008
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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