This institution is no longer active
Operations ceased on May 12, 2000. CRA examination history below reflects the period it was active.
At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.54%
Institution Profile
FDIC BankFindAddress
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
$4.7B
Total Deposits
$2.9B
Net Loans
$2.2B
Net Income
$18M
ROA
1.54%
ROE
29.39%
Risk-Based Capital
10.91%
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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Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 23 | 60.87% | 8.70% |
| 2023 | 379 | 60.16% | 15.83% |
| 2022 | 777 | 65.38% | 13.38% |
| 2021 | 1,114 | 69.48% | 11.94% |
| 2020 | 1,235 | 61.54% | 14.74% |
| 2019 | 1,264 | 71.04% | 10.52% |
| 2018 | 1,418 | 67.35% | 14.03% |
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
3 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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