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
$329M
Total Deposits
$251M
Net Loans
$90M
Net Income
$339K
ROA
0.41%
Below avg for Small banks. Peer avg: 0.44%
ROE
2.08%
Risk-Based Capital
25.70%
Above 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 | 5,621 | 65.33% | 5.41% |
| 2023 | 9,748 | 69.06% | 8.36% |
| 2022 | 15,476 | 67.56% | 9.61% |
| 2021 | 27,441 | 72.12% | 6.36% |
| 2020 | 32,720 | 72.16% | 1.81% |
| 2019 | 22,119 | 70.69% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jun 2025 | Satisfactory | Intermediate Small Bank |
| Jun 2023 | Needs to Improve | Strategic Plan |
| Jul 2021 | Satisfactory | Strategic Plan |
8 previous ratings locked — back to 1991
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Total Branches
6
Branch Deposits
$255M
1-Year Change
0
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| 3.24% |
| 2018 | 15,803 | 68.16% | 4.92% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red