At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Strong
ROA 1.39%
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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$4.5B
Total Deposits
$3.7B
Net Loans
$3.4B
Net Income
$16M
ROA
1.39%
Above avg for Community banks. Peer avg: 0.90%
ROE
13.42%
Risk-Based Capital
12.01%
Below avg for Community banks. Regulatory min: 8%
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
24
Branch Deposits
$3.7B
1-Year Change
+2
5-year net change: -1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2023 | 157 | 80.25% | 2.55% |
| 2022 | 309 | 84.14% | 3.56% |
| 2021 | 134 | 82.84% | 7.46% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
This is the only examination on record for this bank.
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