At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Adequate
ROA 1.44%
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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$6.5B
Total Deposits
$5.3B
Net Loans
$4.7B
Net Income
$23M
ROA
1.44%
ROE
13.68%
Risk-Based Capital
11.46%
Regulatory minimum: 8%
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.
Branch Footprint
Total Branches
17
Branch Deposits
$4.6B
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 182 | 86.81% | 3.30% |
| 2023 | 167 | 79.64% | 4.79% |
| 2022 | 245 | 78.78% | 2.45% |
| 2021 | 153 | 92.81% | 1.96% |
| 2020 | 166 | 81.33% | 5.42% |
| 2019 | 157 | 78.34% | 5.73% |
| 2018 | 119 | 87.39% | 0.84% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
This is the only examination on record for this bank.
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