This institution is no longer active
Operations ceased on April 13, 1996. CRA examination history below reflects the period it was active.
At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.29%
Institution Profile
FDIC BankFindAddress
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
$238M
Total Deposits
$214M
Net Loans
$122M
Net Income
$775K
ROA
1.29%
ROE
13.51%
Risk-Based Capital
14.78%
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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Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 104 | 76.92% | 7.69% |
| 2023 | 118 | 76.27% | 5.08% |
| 2022 | 115 | 76.52% | 6.09% |
| 2021 | 106 | 75.47% | 7.55% |
| 2020 | 124 | 82.26% | 6.45% |
| 2019 | 2,839 | 70.83% | 11.17% |
| 2018 | 2,590 | 71.78% | 13.90% |
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 2 exams
1 previous rating locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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