At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.66%
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
$9.9B
Total Deposits
$8.6B
Net Loans
$6.8B
Net Income
$17M
ROA
0.66%
ROE
5.81%
Risk-Based Capital
15.39%
Regulatory minimum: 8%
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
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Branch Footprint
Total Branches
13
Branch Deposits
$9.1B
1-Year Change
0
5-year net change: -7 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 20 | 95% | 5.00% |
| 2023 | 374 | 81.55% | 3.74% |
| 2022 | 1,136 | 79.05% | 4.40% |
| 2021 | 3,691 | 85.48% | 3.47% |
| 2020 | 3,739 | 81.57% | 3.74% |
| 2019 | 2,093 | 80.08% | 5.83% |
| 2018 | 1,521 | 76.07% | 6.71% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
↓ DecliningBased on last 3 exams
9 previous ratings locked — dating back to 1999
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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