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Community Reinvestment Act (CRA) Rating
Latest Exam: November 1, 2022
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
November 1, 2022
Outstanding
June 1, 2019
Outstanding
March 1, 2016
Outstanding
January 1, 2013
Outstanding
June 1, 2009
Satisfactory
March 1, 2005
Satisfactory
November 1, 2001
Satisfactory
November 1, 1998
Outstanding
February 1, 1995
Satisfactory
December 1, 1991
Satisfactory
๐ฐ Financial Strength
Total Assets$2.46 Billion
Total Deposits$2.04 Billion
Equity Capital$225.88 Million
Net Income$8.07 Million
๐ Performance
ROA0.45%
ROE4.70%
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.