At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.12%
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
$380M
Total Deposits
$358M
Net Loans
$240M
Net Income
$115K
ROA
0.12%
ROE
2.18%
Risk-Based Capital
14.25%
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
6
Branch Deposits
$317M
1-Year Change
-2
5-year net change: -2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 9 | 66.67% | 11.11% |
| 2023 | 28 | 89.29% | 7.14% |
| 2022 | 45 | 88.89% | 6.67% |
| 2019 | 40 | 82.5% | 15.00% |
| 2018 | 62 | 82.26% | 9.68% |
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 1990
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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