At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.55%
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
$280M
Total Deposits
$252M
Net Loans
$178M
Net Income
$1M
ROA
1.55%
ROE
16.00%
Risk-Based Capital
16.65%
Regulatory minimum: 8%
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
8
Branch Deposits
$243M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 63 | 84.13% | 4.76% |
| 2023 | 75 | 85.33% | 6.67% |
| 2022 | 103 | 86.41% | 7.77% |
| 2021 | 190 | 85.26% | 4.21% |
| 2020 | 271 | 89.67% | 4.06% |
| 2019 | 87 | 83.91% | 5.75% |
| 2018 | 95 | 82.11% | 12.63% |
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
6 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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