At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.36%
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
$2.2B
Total Deposits
$1.9B
Net Loans
$1.7B
Net Income
$7M
ROA
1.36%
ROE
14.78%
Risk-Based Capital
13.05%
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
26
Branch Deposits
$1.7B
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,675 | 77.61% | 7.70% |
| 2023 | 1,593 | 81.23% | 6.34% |
| 2022 | 1,932 | 79.24% | 6.99% |
| 2021 | 3,271 | 75.76% | 10.46% |
| 2020 | 3,723 | 76.23% | 10.69% |
| 2019 | 1,509 | 72.63% | 13.06% |
| 2018 | 1,297 | 71.94% | 15.81% |
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
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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