At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.22%
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
$366M
Total Deposits
$292M
Net Loans
$311M
Net Income
$1M
ROA
1.22%
ROE
9.16%
Risk-Based Capital
24.16%
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
8
Branch Deposits
$283M
1-Year Change
0
5-year net change: +4 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,223 | 56.34% | 17.50% |
| 2023 | 1,104 | 52.81% | 17.75% |
| 2022 | 1,591 | 59.9% | 17.10% |
| 2021 | 1,365 | 43.59% | 25.93% |
| 2020 | 1,675 | 41.91% | 21.25% |
| 2019 | 807 | 47.09% | 19.70% |
| 2018 | 1,256 | 48.41% | 22.93% |
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
7 previous ratings locked — dating back to 1994
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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