At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.38%
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
$399M
Total Deposits
$341M
Net Loans
$313M
Net Income
$1M
ROA
1.38%
ROE
12.62%
Risk-Based Capital
16.97%
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
4
Branch Deposits
$386M
1-Year Change
+1
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 261 | 67.43% | 5.75% |
| 2023 | 123 | 74.8% | 6.50% |
| 2022 | 159 | 62.26% | 10.69% |
| 2021 | 233 | 57.94% | 9.87% |
| 2020 | 237 | 43.88% | 16.03% |
| 2019 | 182 | 58.24% | 7.14% |
| 2018 | 206 | 80.1% | 2.91% |
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
4 previous ratings locked — dating back to 2008
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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