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Community Reinvestment Act (CRA) Rating
Latest Exam: November 1, 2022
Satisfactory
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
November 1, 2022
Satisfactory
February 1, 2019
Satisfactory
March 1, 2016
Satisfactory
January 1, 2013
Outstanding
October 1, 2009
Outstanding
December 1, 2005
Outstanding
December 1, 2002
Satisfactory
February 1, 2000
Satisfactory
June 1, 1997
Outstanding
February 1, 1994
Outstanding
September 8, 1990
Outstanding
๐ฐ Financial Strength
Total Assets$1.29 Billion
Total Deposits$1.01 Billion
Equity Capital$152.65 Million
Net Income$9.50 Million
๐ Performance
ROA0.98%
ROE8.09%
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.