At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.33%
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
$552M
Total Deposits
$393M
Net Loans
$290M
Net Income
$446K
ROA
0.33%
ROE
1.34%
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
4
Branch Deposits
$385M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 143 | 69.23% | 6.99% |
| 2023 | 136 | 69.85% | 4.41% |
| 2022 | 215 | 74.88% | 6.05% |
| 2021 | 367 | 75.75% | 4.36% |
| 2020 | 331 | 74.02% | 9.67% |
| 2019 | 231 | 83.98% | 5.19% |
| 2018 | 167 | 80.24% | 5.99% |
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
8 previous ratings locked — dating back to 2001
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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