At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.02%
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
$5.1B
Total Deposits
$4.7B
Net Loans
$3.4B
Net Income
$13M
ROA
1.02%
ROE
12.41%
Risk-Based Capital
14.50%
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
55
Branch Deposits
$4.4B
1-Year Change
+1
5-year net change: +6 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 4,505 | 77.47% | 7.28% |
| 2023 | 4,404 | 77.32% | 6.18% |
| 2022 | 4,896 | 84.66% | 3.64% |
| 2021 | 5,709 | 84.64% | 3.35% |
| 2020 | 6,113 | 82.38% | 3.08% |
| 2019 | 4,355 | 89.25% | 3.33% |
| 2018 | 4,584 | 87.91% | 3.53% |
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 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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