At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 3.67%
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
$875M
Total Deposits
$684M
Net Loans
$535M
Net Income
$7M
ROA
3.67%
ROE
39.57%
Risk-Based Capital
0.00%
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
4
Branch Deposits
$528M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 167 | 64.67% | 9.58% |
| 2023 | 171 | 54.39% | 8.77% |
| 2022 | 176 | 59.66% | 14.20% |
| 2021 | 156 | 66.03% | 8.33% |
| 2020 | 227 | 59.91% | 6.61% |
| 2019 | 196 | 75% | 10.20% |
| 2018 | 334 | 72.16% | 11.38% |
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
3 previous ratings locked — dating back to 2009
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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