At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.24%
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
$7.6B
Total Deposits
$6.6B
Net Loans
$5.2B
Net Income
$24M
ROA
1.24%
ROE
12.72%
Risk-Based Capital
15.68%
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
56
Branch Deposits
$6.4B
1-Year Change
0
5-year net change: +6 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,931 | 67.43% | 12.33% |
| 2023 | 2,113 | 66.92% | 13.25% |
| 2022 | 3,293 | 71.79% | 10.42% |
| 2021 | 3,636 | 78.71% | 6.30% |
| 2020 | 3,787 | 77.66% | 7.10% |
| 2019 | 2,537 | 73.2% | 9.42% |
| 2018 | 2,347 | 69.32% | 11.67% |
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
7 previous ratings locked — dating back to 1990
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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