At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.92%
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
$4.6B
Total Deposits
$3.7B
Net Loans
$4.0B
Net Income
$22M
ROA
1.92%
ROE
18.08%
Risk-Based Capital
17.42%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
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Branch Footprint
Total Branches
20
Branch Deposits
$2.7B
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,452 | 84.64% | 3.51% |
| 2023 | 1,312 | 85.59% | 3.13% |
| 2022 | 2,810 | 87.54% | 2.14% |
| 2021 | 4,071 | 89.34% | 2.55% |
| 2020 | 2,047 | 88.32% | 2.74% |
| 2019 | 2,664 | 88.66% | 2.89% |
| 2018 | 2,658 | 90.48% | 1.92% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
6 previous ratings locked — dating back to 2009
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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