At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.85%
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
$447M
Total Deposits
$390M
Net Loans
$232M
Net Income
$2M
ROA
1.85%
ROE
15.17%
Risk-Based Capital
0.00%
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
5
Branch Deposits
$369M
1-Year Change
+1
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 534 | 65.92% | 13.48% |
| 2023 | 560 | 62.5% | 9.11% |
| 2022 | 499 | 64.93% | 10.02% |
| 2021 | 722 | 69.67% | 11.08% |
| 2020 | 1,008 | 70.14% | 13.00% |
| 2019 | 560 | 70% | 13.21% |
| 2018 | 517 | 69.83% | 16.44% |
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 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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