This institution is no longer active
Operations ceased on November 7, 2001. CRA examination history below reflects the period it was active.
At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Adequate
ROA 0.98%
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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$1.7B
Total Deposits
$1.2B
Net Loans
$1.3B
Net Income
$12M
ROA
0.98%
ROE
11.07%
Risk-Based Capital
11.48%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
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.
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 193 | 90.16% | 3.11% |
| 2023 | 224 | 83.04% | 3.57% |
| 2022 | 293 | 90.1% | 4.78% |
| 2021 | 426 | 89.44% | 4.93% |
| 2020 | 591 | 90.86% | 2.20% |
| 2019 | 347 | 91.64% | 1.15% |
| 2018 | 334 | 85.63% | 4.49% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
↑ ImprovingBased on last 3 exams
2 previous ratings locked — dating back to 1994
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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