At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.44%
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
$942M
Total Deposits
$842M
Net Loans
$725M
Net Income
$3M
ROA
1.44%
ROE
15.58%
Risk-Based Capital
0.00%
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
$714M
1-Year Change
0
5-year net change: +3 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 115 | 73.04% | 16.52% |
| 2023 | 141 | 66.67% | 17.02% |
| 2022 | 116 | 71.55% | 14.66% |
| 2021 | 123 | 62.6% | 9.76% |
| 2020 | 124 | 61.29% | 11.29% |
| 2019 | 186 | 78.49% | 11.29% |
| 2018 | 184 | 73.91% | 16.30% |
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
9 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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