At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.52%
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
$5.7B
Total Deposits
$5.2B
Net Loans
$3.2B
Net Income
$22M
ROA
1.52%
ROE
18.63%
Risk-Based Capital
16.81%
Regulatory minimum: 8%
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
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Branch Footprint
Total Branches
36
Branch Deposits
$5.1B
1-Year Change
0
5-year net change: -2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 766 | 48.96% | 26.37% |
| 2023 | 879 | 54.84% | 22.75% |
| 2022 | 991 | 56.51% | 20.18% |
| 2021 | 881 | 49.6% | 16.69% |
| 2020 | 1,139 | 48.9% | 20.11% |
| 2019 | 793 | 47.41% | 17.53% |
| 2018 | 694 | 47.69% | 22.91% |
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
2 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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