At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.95%
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
$323M
Total Deposits
$282M
Net Loans
$186M
Net Income
$766K
ROA
0.95%
ROE
8.40%
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
5
Branch Deposits
$280M
1-Year Change
0
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 23 | 95.65% | 4.35% |
| 2023 | 98 | 96.94% | 2.04% |
| 2022 | 108 | 87.04% | 12.96% |
| 2021 | 151 | 92.05% | 7.28% |
| 2020 | 238 | 97.9% | 1.68% |
| 2019 | 118 | 93.22% | 5.08% |
| 2018 | 125 | 92% | 5.60% |
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
7 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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