At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.07%
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
$616M
Total Deposits
$536M
Net Loans
$496M
Net Income
$2M
ROA
1.07%
ROE
10.92%
Risk-Based Capital
13.26%
Regulatory minimum: 8%
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
10
Branch Deposits
$528M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 99 | 83.84% | 5.05% |
| 2023 | 109 | 90.83% | 3.67% |
| 2022 | 150 | 88.67% | 0.67% |
| 2021 | 137 | 75.91% | 6.57% |
| 2020 | 114 | 80.7% | 8.77% |
| 2019 | 142 | 85.92% | 2.82% |
| 2018 | 174 | 86.78% | 2.30% |
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
6 previous ratings locked — dating back to 1999
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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