At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.10%
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
$211M
Total Deposits
$148M
Net Loans
$183M
Net Income
$576K
ROA
1.10%
ROE
10.64%
Risk-Based Capital
18.69%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
6
Branch Deposits
$147M
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 105 | 78.1% | 8.57% |
| 2023 | 123 | 84.55% | 7.32% |
| 2022 | 148 | 80.41% | 8.78% |
| 2021 | 130 | 81.54% | 12.31% |
| 2020 | 146 | 84.25% | 7.53% |
| 2019 | 125 | 80.8% | 10.40% |
| 2018 | 156 | 83.97% | 7.05% |
2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red
This is the only examination on record for this bank.
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