At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.05%
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
$526M
Total Deposits
$475M
Net Loans
$343M
Net Income
$1M
ROA
1.05%
ROE
11.36%
Risk-Based Capital
0.00%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
7
Branch Deposits
$413M
1-Year Change
+1
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 106 | 93.4% | 0.00% |
| 2023 | 132 | 97.73% | 0.00% |
| 2022 | 130 | 93.08% | 0.00% |
| 2021 | 118 | 94.92% | 0.00% |
| 2020 | 126 | 96.83% | 0.00% |
| 2019 | 156 | 86.54% | 1.28% |
| 2018 | 160 | 86.25% | 3.75% |
2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
7 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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