At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.91%
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
$892M
Total Deposits
$782M
Net Loans
$796M
Net Income
$2M
ROA
0.91%
ROE
10.79%
Risk-Based Capital
12.37%
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
9
Branch Deposits
$779M
1-Year Change
+1
5-year net change: +4 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 204 | 89.22% | 3.92% |
| 2023 | 231 | 88.74% | 1.73% |
| 2022 | 358 | 89.94% | 3.63% |
| 2021 | 353 | 84.14% | 3.68% |
| 2020 | 356 | 90.45% | 2.81% |
| 2019 | 341 | 90.32% | 3.23% |
| 2018 | 207 | 90.34% | 2.90% |
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 2016
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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