At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.96%
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
$900M
Total Deposits
$782M
Net Loans
$687M
Net Income
$2M
ROA
0.96%
ROE
9.42%
Risk-Based Capital
13.50%
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
10
Branch Deposits
$646M
1-Year Change
+1
5-year net change: +3 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 99 | 84.85% | 9.09% |
| 2023 | 77 | 88.31% | 5.19% |
| 2022 | 183 | 82.51% | 8.20% |
| 2021 | 491 | 89.82% | 4.28% |
| 2020 | 619 | 90.15% | 3.07% |
| 2019 | 262 | 90.46% | 4.20% |
| 2018 | 141 | 87.94% | 7.09% |
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
8 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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