At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.25%
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
$1.9B
Total Deposits
$1.7B
Net Loans
$1.1B
Net Income
$6M
ROA
1.25%
ROE
11.32%
Risk-Based Capital
19.08%
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
17
Branch Deposits
$1.7B
1-Year Change
0
5-year net change: +3 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 39 | 53.85% | 15.38% |
| 2023 | 91 | 68.13% | 10.99% |
| 2022 | 114 | 70.18% | 9.65% |
| 2021 | 357 | 71.71% | 12.89% |
| 2020 | 408 | 74.26% | 12.75% |
| 2019 | 226 | 68.14% | 11.95% |
| 2018 | 166 | 62.65% | 18.07% |
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
12 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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