At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Adequate
ROA 1.32%
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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$3.0B
Total Deposits
$2.5B
Net Loans
$2.4B
Net Income
$10M
ROA
1.32%
ROE
10.72%
Risk-Based Capital
14.90%
Regulatory minimum: 8%
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
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Branch Footprint
Total Branches
18
Branch Deposits
$2.5B
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 775 | 78.58% | 5.42% |
| 2023 | 617 | 76.82% | 7.62% |
| 2022 | 846 | 76% | 7.33% |
| 2021 | 1,573 | 78.96% | 6.87% |
| 2020 | 1,606 | 88.04% | 3.74% |
| 2019 | 810 | 77.28% | 13.09% |
| 2018 | 636 | 73.9% | 17.77% |
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
12 previous ratings locked — dating back to 1997
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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