At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Adequate
ROA 1.70%
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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$175M
Total Deposits
$144M
Net Loans
$129M
Net Income
$752K
ROA
1.70%
ROE
19.69%
Risk-Based Capital
0.00%
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
2
Branch Deposits
$138M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 53 | 100% | 0.00% |
| 2023 | 33 | 100% | 0.00% |
| 2022 | 60 | 88.33% | 3.33% |
| 2021 | 100 | 94% | 4.00% |
| 2020 | 116 | 93.1% | 2.59% |
| 2019 | 48 | 89.58% | 6.25% |
| 2018 | 47 | 100% | 0.00% |
2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red
Rating History
CRA / FFIECRating Trend
↑ ImprovingBased on last 3 exams
6 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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