Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal 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
Total Assets
$253M
Total Deposits
$221M
Net Loans
$174M
Net Income
$75K
ROA
0.12%
Below avg for Small banks. Peer avg: 0.44%
ROE
1.33%
Risk-Based Capital
15.35%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 393 | 65.65% | 1.53% |
| 2023 | 435 | 70.11% | 1.84% |
| 2022 | 841 | 67.66% | 1.55% |
| 2021 | 1,805 | 64.54% | 1.77% |
| 2020 | 2,048 | 82.86% | 1.07% |
| 2019 | 1,147 | 80.91% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2025 | Satisfactory | Small Bank |
| Apr 2022 | Satisfactory | Small Bank |
| Dec 2017 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1993
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
9
Branch Deposits
$225M
1-Year Change
0
5-year net change: -1 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/1st-national-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 1.31% |
| 2018 | 756 | 80.95% | 3.31% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red