At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.34%
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
$854M
Total Deposits
$794M
Net Loans
$286M
Net Income
$3M
ROA
1.34%
ROE
20.85%
Risk-Based Capital
0.00%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
12
Branch Deposits
$765M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 111 | 87.39% | 7.21% |
| 2023 | 123 | 86.18% | 5.69% |
| 2022 | 121 | 84.3% | 10.74% |
| 2021 | 184 | 90.76% | 7.61% |
| 2020 | 139 | 93.53% | 5.04% |
| 2019 | 145 | 88.97% | 8.28% |
| 2018 | 148 | 91.89% | 6.76% |
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
9 previous ratings locked — dating back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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