At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.78%
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
$490M
Total Deposits
$439M
Net Loans
$367M
Net Income
$963K
ROA
0.78%
ROE
8.00%
Risk-Based Capital
15.12%
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
7
Branch Deposits
$440M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 408 | 61.03% | 17.89% |
| 2023 | 433 | 61.2% | 16.63% |
| 2022 | 485 | 59.79% | 15.46% |
| 2021 | 525 | 56% | 19.24% |
| 2020 | 604 | 50% | 21.19% |
| 2019 | 580 | 61.9% | 19.14% |
| 2018 | 619 | 63.17% | 18.26% |
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
11 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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