At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.56%
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
$546M
Total Deposits
$471M
Net Loans
$417M
Net Income
$2M
ROA
1.56%
ROE
12.90%
Risk-Based Capital
18.02%
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
6
Branch Deposits
$446M
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 259 | 86.1% | 1.93% |
| 2023 | 189 | 87.3% | 3.70% |
| 2022 | 278 | 89.21% | 1.80% |
| 2021 | 489 | 89.37% | 4.29% |
| 2020 | 998 | 90.98% | 3.41% |
| 2019 | 462 | 85.28% | 4.11% |
| 2018 | 256 | 78.52% | 8.20% |
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
10 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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