This institution is no longer active
Operations ceased on September 21, 2024. CRA examination history below reflects the period it was active.
At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.80%
Institution Profile
FDIC BankFindAddress
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
$1.3B
Total Deposits
$970M
Net Loans
$1.1B
Net Income
$5M
ROA
0.80%
ROE
4.68%
Risk-Based Capital
15.66%
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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Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 139 | 87.77% | 6.47% |
| 2023 | 129 | 85.27% | 6.20% |
| 2022 | 167 | 86.83% | 2.40% |
| 2019 | 103 | 82.52% | 4.85% |
| 2018 | 202 | 75.74% | 9.90% |
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
6 previous ratings locked — dating back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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