At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.90%
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
$3.0B
Total Deposits
$2.4B
Net Loans
$2.6B
Net Income
$14M
ROA
1.90%
ROE
16.12%
Risk-Based Capital
15.76%
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
21
Branch Deposits
$2.2B
1-Year Change
0
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 450 | 71.78% | 8.44% |
| 2023 | 64 | 73.44% | 12.50% |
| 2022 | 1,098 | 81.51% | 5.28% |
| 2021 | 1,281 | 78.61% | 2.89% |
| 2020 | 1,471 | 84.64% | 2.92% |
| 2019 | 964 | 82.26% | 4.88% |
| 2018 | 961 | 76.27% | 9.16% |
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
11 previous ratings locked — dating back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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