At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.57%
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
$299M
Total Deposits
$257M
Net Loans
$195M
Net Income
$433K
ROA
0.57%
ROE
8.25%
Risk-Based Capital
15.18%
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
6
Branch Deposits
$249M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 79 | 83.54% | 11.39% |
| 2023 | 75 | 85.33% | 6.67% |
| 2022 | 78 | 88.46% | 7.69% |
| 2019 | 92 | 78.26% | 11.96% |
| 2018 | 100 | 86% | 4.00% |
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 1994
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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