At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.34%
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
$294M
Total Deposits
$231M
Net Loans
$126M
Net Income
$248K
ROA
0.34%
ROE
3.38%
Risk-Based Capital
25.25%
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
6
Branch Deposits
$226M
1-Year Change
+1
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 157 | 67.52% | 17.83% |
| 2023 | 234 | 67.09% | 12.39% |
| 2022 | 332 | 68.37% | 12.35% |
| 2021 | 451 | 76.5% | 10.86% |
| 2020 | 485 | 71.13% | 13.20% |
| 2019 | 322 | 72.05% | 14.29% |
| 2018 | 212 | 68.4% | 16.04% |
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
7 previous ratings locked — dating back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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