At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.45%
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
$779M
Total Deposits
$653M
Net Loans
$580M
Net Income
$3M
ROA
1.45%
ROE
10.04%
Risk-Based Capital
0.00%
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
11
Branch Deposits
$689M
1-Year Change
0
5-year net change: +5 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 20 | 85% | 5.00% |
| 2023 | 181 | 75.14% | 4.97% |
| 2022 | 226 | 69.03% | 7.96% |
| 2021 | 454 | 75.99% | 4.85% |
| 2020 | 729 | 75.72% | 4.80% |
| 2019 | 258 | 72.09% | 9.69% |
| 2018 | 239 | 56.49% | 12.55% |
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
6 previous ratings locked — dating back to 2000
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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