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Community Reinvestment Act (CRA) Rating
Latest Exam: February 1, 2024
Outstanding
What is CRA? The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.
Rating History
February 1, 2024
Outstanding
February 1, 2021
Outstanding
March 1, 2018
Outstanding
January 1, 2015
Satisfactory
August 1, 2011
Satisfactory
August 1, 2008
Satisfactory
June 1, 2005
Satisfactory
May 1, 2002
Outstanding
January 1, 2000
Satisfactory
April 26, 1997
Satisfactory
December 1, 1994
Satisfactory
March 1, 1993
Satisfactory
๐ฐ Financial Strength
Total Assets$1.85 Billion
Total Deposits$1.54 Billion
Equity Capital$184.92 Million
Net Income$8.98 Million
๐ Performance
ROA0.66%
ROE6.22%
Financial Terms: ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good. ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.