At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.94%
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
$440M
Total Deposits
$357M
Net Loans
$315M
Net Income
$2M
ROA
1.94%
ROE
14.27%
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
7
Branch Deposits
$349M
1-Year Change
+1
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 125 | 91.2% | 7.20% |
| 2023 | 148 | 87.84% | 5.41% |
| 2022 | 213 | 91.08% | 4.69% |
| 2021 | 188 | 86.7% | 6.38% |
| 2020 | 179 | 87.71% | 5.59% |
| 2019 | 185 | 91.89% | 5.41% |
| 2018 | 158 | 89.87% | 3.80% |
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
7 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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