At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Needs Attention
ROA -0.96%
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
$2.1B
Total Deposits
$1.5B
Net Loans
$1.7B
Net Income
$-5,169K
ROA
-0.96%
ROE
-7.52%
Risk-Based Capital
19.43%
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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Branch Footprint
Total Branches
21
Branch Deposits
$1.5B
1-Year Change
0
5-year net change: +4 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 59 | 67.8% | 15.25% |
| 2023 | 77 | 75.32% | 16.88% |
| 2022 | 218 | 77.52% | 10.55% |
| 2021 | 178 | 64.61% | 10.67% |
| 2020 | 185 | 47.57% | 18.38% |
| 2019 | 193 | 67.36% | 17.62% |
| 2018 | 440 | 67.27% | 16.82% |
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
11 previous ratings locked — dating back to 1994
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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