This institution is no longer active
Operations ceased on September 30, 2020. CRA examination history below reflects the period it was active.
At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 2.35%
Institution Profile
FDIC BankFindAddress
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
$52M
Total Deposits
$43M
Net Loans
$44M
Net Income
$549K
ROA
2.35%
ROE
29.30%
Risk-Based Capital
11.69%
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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Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2020 | 901 | 81.02% | 3.00% |
| 2019 | 530 | 78.68% | 4.34% |
| 2018 | 464 | 80.6% | 5.60% |
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 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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