At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.06%
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
$965M
Total Deposits
$791M
Net Loans
$784M
Net Income
$3M
ROA
1.06%
ROE
9.65%
Risk-Based Capital
12.51%
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
8
Branch Deposits
$737M
1-Year Change
0
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 185 | 82.16% | 8.65% |
| 2023 | 195 | 83.08% | 6.67% |
| 2022 | 262 | 85.5% | 5.34% |
| 2021 | 363 | 81.54% | 4.41% |
| 2020 | 376 | 85.11% | 5.32% |
| 2019 | 210 | 82.86% | 4.76% |
| 2018 | 143 | 84.62% | 6.29% |
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
5 previous ratings locked — dating back to 2005
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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