At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Needs Attention
ROA -2.82%
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
$528M
Total Deposits
$273M
Net Loans
$107M
Net Income
$-4,247K
ROA
-2.82%
ROE
-7.00%
Risk-Based Capital
175.40%
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
7
Branch Deposits
$609M
1-Year Change
0
5-year net change: -2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 3 | 100% | 0.00% |
| 2023 | 1,135 | 57% | 13.92% |
| 2022 | 4,274 | 48.78% | 13.78% |
| 2021 | 9,372 | 51.12% | 12.59% |
| 2020 | 11,890 | 47.96% | 12.56% |
| 2019 | 6,830 | 50.38% | 15.27% |
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
3 previous ratings locked — dating back to 2013
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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