At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.95%
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
$167M
Total Deposits
$144M
Net Loans
$125M
Net Income
$421K
ROA
0.95%
ROE
12.09%
Risk-Based Capital
12.22%
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
1
Branch Deposits
$143M
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 45 | 80% | 8.89% |
| 2023 | 46 | 76.09% | 8.70% |
| 2022 | 82 | 75.61% | 8.54% |
| 2021 | 223 | 76.68% | 5.38% |
| 2020 | 339 | 82.3% | 8.26% |
| 2019 | 92 | 85.87% | 2.17% |
| 2018 | 54 | 94.44% | 3.70% |
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
7 previous ratings locked — dating back to 1990
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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