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Community Reinvestment Act (CRA) Rating
Latest Exam: February 1, 2023
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, 2023
Outstanding
October 1, 2019
Outstanding
September 1, 2015
Satisfactory
April 1, 2012
Satisfactory
June 5, 2008
Satisfactory
November 1, 2004
Satisfactory
September 1, 2001
Satisfactory
May 1, 1999
Satisfactory
June 1, 1997
Satisfactory
May 1, 1995
Satisfactory
July 1, 1992
Satisfactory
๐ฐ Financial Strength
Total Assets$1.85 Billion
Total Deposits$1.52 Billion
Equity Capital$129.08 Million
Net Income$3.69 Million
๐ Performance
ROA0.27%
ROE3.77%
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.