This institution is no longer active
Operations ceased on November 10, 2001. 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 1.26%
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
$1.3B
Total Deposits
$1.1B
Net Loans
$768M
Net Income
$11M
ROA
1.26%
ROE
13.62%
Risk-Based Capital
11.03%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 4,266 | 56.59% | 27.54% |
| 2023 | 4,927 | 59.73% | 23.81% |
| 2022 | 9,086 | 72.24% | 13.63% |
| 2021 | 9,521 | 76.55% | 7.93% |
| 2020 | 13,126 | 75.31% | 7.49% |
| 2019 | 8,881 | 75.39% | 9.81% |
| 2018 | 8,458 | 74.8% | 8.82% |
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
4 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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