At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.45%
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
$327M
Total Deposits
$296M
Net Loans
$285M
Net Income
$369K
ROA
0.45%
ROE
5.11%
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
6
Branch Deposits
$291M
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 304 | 81.58% | 4.93% |
| 2023 | 284 | 78.87% | 8.80% |
| 2022 | 502 | 79.28% | 5.98% |
| 2021 | 1,739 | 84.3% | 3.22% |
| 2020 | 2,361 | 83.14% | 4.15% |
| 2019 | 1,192 | 83.98% | 3.78% |
| 2018 | 734 | 82.02% | 4.77% |
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
10 previous ratings locked — dating back to 1994
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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