This institution is no longer active
Operations ceased on October 11, 2016. 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
Needs Attention
ROA -0.16%
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
$74M
Total Deposits
$61M
Net Loans
$34M
Net Income
$-89K
ROA
-0.16%
ROE
-1.35%
Risk-Based Capital
19.06%
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 | 1,903 | 15.87% | 62.69% |
| 2019 | 6,685 | 16.78% | 52.04% |
| 2018 | 5,600 | 18.55% | 52.27% |
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 2 exams
1 previous rating locked — dating back to 2005
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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