At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.05%
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
$1.4B
Total Deposits
$1.1B
Net Loans
$1.1B
Net Income
$4M
ROA
1.05%
ROE
12.63%
Risk-Based Capital
12.45%
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
4
Branch Deposits
$1.2B
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 3,017 | 74.71% | 5.20% |
| 2023 | 2,287 | 75.56% | 4.63% |
| 2022 | 2,450 | 76.37% | 3.67% |
| 2021 | 3,473 | 77.77% | 3.25% |
| 2020 | 4,350 | 78.62% | 4.14% |
| 2019 | 2,314 | 80.86% | 4.41% |
| 2018 | 1,988 | 82.85% | 4.43% |
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 2000
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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