This institution is no longer active
Operations ceased on January 1, 2026. CRA examination history below reflects the period it was active.
Contact & Details
FDIC BankFindAddress
County
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
$678M
Total Deposits
$556M
Net Loans
$428M
Net Income
$-1,921K
ROA
-0.29%
Below avg for Small banks. Peer avg: 0.44%
ROE
-2.81%
Risk-Based Capital
20.45%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 114 | 59.65% | 22.81% |
| 2023 | 182 | 62.64% | 14.84% |
| 2022 | 224 | 69.64% | 16.07% |
| 2021 | 353 | 68.84% | 13.88% |
| 2020 | 323 | 63.16% | 17.96% |
| 2019 | 265 | 72.08% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Nov 2023 | Satisfactory | Intermediate Small Bank |
| Jul 2020 | Satisfactory | Intermediate Small Bank |
| Dec 2017 | Satisfactory | Intermediate Small Bank |
6 previous ratings locked — back to 1994
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Total Branches
5
Branch Deposits
$558M
1-Year Change
0
5-year net change: -2 branches
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Preview:
Established
Total Assets
| 15.85% |
| 2018 | 289 | 60.21% | 18.69% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red