At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.31%
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
$2.6B
Total Deposits
$2.2B
Net Loans
$1.9B
Net Income
$8M
ROA
1.31%
ROE
12.90%
Risk-Based Capital
11.58%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
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Branch Footprint
Total Branches
30
Branch Deposits
$1.7B
1-Year Change
-1
5-year net change: -3 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 680 | 92.5% | 4.41% |
| 2023 | 601 | 92.35% | 4.66% |
| 2022 | 600 | 87.83% | 6.00% |
| 2021 | 1,030 | 92.43% | 4.66% |
| 2020 | 1,452 | 93.18% | 3.79% |
| 2019 | 595 | 90.76% | 5.55% |
| 2018 | 453 | 83.66% | 9.93% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
10 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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