At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.65%
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
$395M
Total Deposits
$320M
Net Loans
$244M
Net Income
$2M
ROA
1.65%
ROE
11.80%
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
2
Branch Deposits
$261M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 122 | 59.02% | 12.30% |
| 2023 | 204 | 74.51% | 4.41% |
| 2022 | 206 | 84.95% | 3.40% |
| 2021 | 175 | 75.43% | 5.14% |
| 2020 | 162 | 67.28% | 24.69% |
| 2019 | 286 | 70.63% | 12.59% |
| 2018 | 305 | 79.34% | 9.84% |
2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red
This is the only examination on record for this bank.
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