At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.11%
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
$1.8B
Total Deposits
$1.6B
Net Loans
$1.7B
Net Income
$5M
ROA
1.11%
ROE
11.61%
Risk-Based Capital
11.32%
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
13
Branch Deposits
$1.4B
1-Year Change
+2
5-year net change: +9 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 438 | 93.38% | 2.51% |
| 2023 | 364 | 92.86% | 3.85% |
| 2022 | 492 | 92.07% | 4.67% |
| 2021 | 472 | 96.4% | 1.48% |
| 2020 | 400 | 93.75% | 2.50% |
| 2019 | 206 | 94.17% | 2.91% |
| 2018 | 205 | 91.71% | 1.46% |
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
2 previous ratings locked — dating back to 2015
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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