At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 2.08%
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
$670M
Total Deposits
$573M
Net Loans
$448M
Net Income
$3M
ROA
2.08%
ROE
15.32%
Risk-Based Capital
25.13%
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
$520M
1-Year Change
0
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 299 | 96.99% | 3.01% |
| 2023 | 313 | 95.85% | 3.51% |
| 2022 | 330 | 96.97% | 2.12% |
| 2021 | 317 | 96.85% | 2.52% |
| 2020 | 295 | 94.24% | 4.41% |
| 2019 | 283 | 95.41% | 4.24% |
| 2018 | 318 | 95.28% | 2.83% |
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
10 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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