At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.16%
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
$1.2B
Total Deposits
$1.0B
Net Loans
$623M
Net Income
$3M
ROA
1.16%
ROE
10.57%
Risk-Based Capital
0.00%
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
10
Branch Deposits
$858M
1-Year Change
0
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 370 | 78.92% | 8.38% |
| 2023 | 243 | 59.67% | 9.05% |
| 2022 | 277 | 65.34% | 7.22% |
| 2021 | 406 | 70.94% | 9.85% |
| 2020 | 445 | 85.62% | 3.60% |
| 2019 | 412 | 71.36% | 8.25% |
| 2018 | 385 | 78.7% | 6.75% |
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
9 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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