This institution is no longer active
Operations ceased on January 1, 2002. CRA examination history below reflects the period it was active.
Contact & Details
FDIC BankFindFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$1.8B
Total Deposits
$1.1B
Net Loans
$1.1B
Net Income
$4M
ROA
0.23%
Below avg for Community banks. Peer avg: 0.90%
ROE
2.43%
Risk-Based Capital
11.88%
Below avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 260 | 63.08% | 19.23% |
| 2023 | 328 | 65.55% | 21.65% |
| 2022 | 495 | 66.06% | 19.19% |
| 2021 | 751 | 66.18% | 17.18% |
| 2020 | 811 | 59.93% | 16.52% |
| 2019 | 579 | 70.12% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Mar 2000 | Outstanding | Large Bank |
| Sep 1997 | Satisfactory | Small Bank |
| Jan 1995 | Satisfactory | Not Reported |
1 previous rating locked — back to 1991
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Address
County
Established
Total Assets
| 11.40% |
| 2018 | 408 | 63.73% | 22.55% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red