At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.70%
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
$3.2B
Total Deposits
$2.6B
Net Loans
$2.6B
Net Income
$6M
ROA
0.70%
ROE
4.77%
Risk-Based Capital
19.17%
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
18
Branch Deposits
$2.5B
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 453 | 75.5% | 13.25% |
| 2023 | 453 | 73.95% | 10.82% |
| 2022 | 631 | 78.13% | 9.03% |
| 2021 | 1,103 | 81.23% | 6.35% |
| 2020 | 1,268 | 79.5% | 6.70% |
| 2019 | 651 | 75.73% | 8.29% |
| 2018 | 602 | 74.75% | 5.48% |
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
10 previous ratings locked — dating back to 1994
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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