At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Needs Attention
ROA -0.13%
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
$411M
Total Deposits
$355M
Net Loans
$254M
Net Income
$-138K
ROA
-0.13%
ROE
-2.25%
Risk-Based Capital
13.95%
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
2
Branch Deposits
$327M
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 101 | 93.07% | 2.97% |
| 2023 | 108 | 87.96% | 2.78% |
| 2022 | 216 | 85.19% | 5.09% |
| 2021 | 246 | 84.15% | 4.47% |
| 2020 | 250 | 84.4% | 5.60% |
| 2019 | 132 | 89.39% | 3.03% |
| 2018 | 168 | 91.07% | 3.57% |
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
9 previous ratings locked — dating back to 1996
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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