At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.89%
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
$272M
Total Deposits
$242M
Net Loans
$205M
Net Income
$607K
ROA
0.89%
ROE
9.73%
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
$231M
1-Year Change
+1
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 244 | 61.07% | 16.80% |
| 2023 | 266 | 63.53% | 13.91% |
| 2022 | 453 | 72.19% | 10.60% |
| 2021 | 445 | 75.96% | 7.19% |
| 2020 | 460 | 78.48% | 7.83% |
| 2019 | 351 | 78.92% | 8.55% |
| 2018 | 411 | 80.05% | 9.73% |
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 2005
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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