At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.14%
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
$2.4B
Total Deposits
$2.1B
Net Loans
$1.6B
Net Income
$7M
ROA
1.14%
ROE
13.32%
Risk-Based Capital
14.91%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
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Branch Footprint
Total Branches
20
Branch Deposits
$2.1B
1-Year Change
0
5-year net change: +4 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 911 | 82.22% | 7.57% |
| 2023 | 910 | 82.97% | 7.58% |
| 2022 | 1,211 | 81.34% | 7.60% |
| 2021 | 746 | 77.75% | 8.58% |
| 2020 | 770 | 76.36% | 8.44% |
| 2019 | 719 | 77.89% | 8.62% |
| 2018 | 671 | 81.37% | 9.84% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
12 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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