This institution is no longer active
Operations ceased on March 12, 2001. 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 1.01%
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
$71M
Total Deposits
$64M
Net Loans
$56M
Net Income
$709K
ROA
1.01%
ROE
14.02%
Risk-Based Capital
11.54%
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 | 239 | 87.45% | 6.69% |
| 2023 | 282 | 82.98% | 7.45% |
| 2022 | 301 | 80.4% | 7.31% |
| 2021 | 236 | 82.2% | 8.05% |
| 2020 | 245 | 75.1% | 10.20% |
| 2019 | 304 | 75.99% | 10.86% |
| 2018 | 312 | 72.76% | 13.14% |
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
3 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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