At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.62%
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
$2.9B
Total Deposits
$2.5B
Net Loans
$2.2B
Net Income
$5M
ROA
0.62%
ROE
6.89%
Risk-Based Capital
12.10%
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
30
Branch Deposits
$2.0B
1-Year Change
+1
5-year net change: +3 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 692 | 64.74% | 20.09% |
| 2023 | 715 | 64.9% | 17.62% |
| 2022 | 1,010 | 68.42% | 16.93% |
| 2021 | 903 | 63.57% | 16.94% |
| 2020 | 753 | 62.68% | 17.00% |
| 2019 | 459 | 62.75% | 22.22% |
| 2018 | 514 | 63.81% | 24.32% |
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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