At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Needs Attention
ROA -0.33%
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
$436M
Total Deposits
$280M
Net Loans
$196M
Net Income
$-373K
ROA
-0.33%
ROE
-5.91%
Risk-Based Capital
10.63%
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
3
Branch Deposits
$311M
1-Year Change
0
5-year net change: -5 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 640 | 58.13% | 5.16% |
| 2023 | 729 | 54.87% | 7.00% |
| 2022 | 1,425 | 38.6% | 6.32% |
| 2021 | 1,701 | 63.84% | 3.88% |
| 2020 | 1,380 | 71.67% | 6.38% |
| 2019 | 508 | 75.59% | 5.91% |
| 2018 | 338 | 60.06% | 7.40% |
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 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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