At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.14%
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
$213M
Total Deposits
$186M
Net Loans
$164M
Net Income
$75K
ROA
0.14%
ROE
1.79%
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
3
Branch Deposits
$182M
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 48 | 83.33% | 2.08% |
| 2023 | 68 | 85.29% | 10.29% |
| 2022 | 118 | 87.29% | 5.93% |
| 2021 | 121 | 88.43% | 4.13% |
| 2020 | 118 | 88.98% | 2.54% |
| 2019 | 57 | 80.7% | 8.77% |
| 2018 | 65 | 81.54% | 9.23% |
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
4 previous ratings locked — dating back to 2001
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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