At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.34%
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
$7.4B
Total Deposits
$5.0B
Net Loans
$6.7B
Net Income
$24M
ROA
1.34%
ROE
14.35%
Risk-Based Capital
11.05%
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
1
Branch Deposits
$4.5B
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 9,398 | 59.37% | 5.79% |
| 2023 | 16,393 | 59.72% | 5.47% |
| 2022 | 23,677 | 61.24% | 4.47% |
| 2021 | 34,028 | 71% | 3.09% |
| 2020 | 36,093 | 72.46% | 2.40% |
| 2019 | 19,198 | 71.92% | 5.24% |
| 2018 | 7,942 | 62.44% | 8.55% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
↓ DecliningBased on last 3 exams
7 previous ratings locked — dating back to 2002
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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